This question is the same as the tax question. 2.9% here vs 1.75%.

Only you can answer your question for yourself. I don’t know that I’d do it for the whole of my circumstances (no problem making $75k spend for SkyClub). You can still whip out the card at the end of the year and buy gift cards, pay taxes, or pull 2026 spending into 2025 if you’re short (in addition to just going on a trip).

The cost is $500 today for ? gain and some miles versus maximum $1,650 in DL spend you’d never have made if it wasn’t for status.