Emirates Skywards Rewards World Elite Mastercard
40,000 Skywards Miles after you spend $3,000 in 3 months. $99 a year.
- Welcome offer
- Issuer's pagecards.barclaycardus.com
“Earn 40,000 bonus Skywards Miles”
- Annual fee
- Issuer's pagecards.barclaycardus.com
“Annual Fee is $99.”
- Purchase APR
- Issuer's pagecards.barclaycardus.com
“Purchases – 19.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transaction fee
- Issuer's pagecards.barclaycardus.com
“Foreign transaction fee: 0%.”
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $420 | $20 |
| Typical spender | $600 | $200 |
| Heavy spender | $960 | $560 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Assumed: +$600 if a current cardholder refers you (Emirates Skywards Rewards World Elite Mastercard referral offer); points valued at an assumed 1¢.
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Worth more to a typical spender than about 65% of the 650 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Welcome offer
40,000 Miles
After you spend $3,000 on purchases in your first 3 months.
Earn 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days. Enjoy Emirates Skywards Silver tier membership during the first year. Retain tier status by spending $20,000 each cardmembership year.
How you earn · Emirates Skywards
- 3× milesEligible Emirates purchases on emirates.com or at the Emirates Sales office
- 1× milesEverything else
Rates and fees
| Annual fee | Issuer's pagecards.barclaycardus.com “Annual Fee is $99.” |
|---|---|
| Purchase APR | Issuer's pagecards.barclaycardus.com “Purchases – 19.74% to 29.74%, based on your creditworthiness and other factors.” |
| Intro APR | Issuer's pagecards.barclaycardus.com “0% intro APR for 12 months on balance transfers made within 45 days of account opening.” |
| Balance transfer APR | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pagecards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| Cash advance APR | Issuer's pagecards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pagecards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Minimum interest charge | Issuer's pagecards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Emirates Skywards Silver tier membership during the first year.
- Retain Emirates Skywards Silver tier status by spending $20,000 each cardmembership year.
- Receive 25% savings when buying Skywards Miles for yourself or gifting Miles.
- No foreign transaction fees.
- Skywards Miles have no limit while the account remains open, active and in good standing.
- Complimentary online access to your FICO Score, including score-change alerts, subject to the stated account and availability conditions.
- $0 Fraud Liability protection.
Questions
- What is the annual fee?
- $99 cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. cards.barclaycardus.com, since Sep 29, 2026
- What is the purchase APR?
- 19.74–29.74% APR cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for the first 12 billing cycles following each balance transfer that posts to your account within 45 days of account opening. cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- 40,000 Skywards Miles after $3,000 in purchases in 3 months. cards.barclaycardus.com, since Sep 29, 2026
Other miles cards with fees up to $100
- Venture RewardsCapital One · $95 a year+$305 a year
- Air France KLMBank of America · $89 a year+$215 a year
- Cathay PacificSynchrony · $99 a year+$35 a year
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).