Barclays Emirates Skywards Rewards Card

Quick Snapshot

• Annual Fee: $99
• APR: 20.24%–29.99% variable
• Rewards: 3x on Emirates, 2x on travel, 1x everywhere else
• Bonus: 40,000 Skywards Miles after $3,000 spend in 90 days
• Best For: Emirates flyers, international travelers, Dubai connections
• Credit Needed: Good to Excellent (690+)

Overview

The Emirates Skywards Rewards World Elite Mastercard brings the luxury and prestige of Emirates Airlines to a U.S. credit card, offering travelers an opportunity to earn valuable Skywards Miles on Emirates flights and everyday spending. With 3x miles on Emirates purchases, 2x on all eligible travel, and 1x everywhere else, this card is designed for international travelers who appreciate Emirates' award-winning service and extensive global network.

What makes this card particularly attractive is the Emirates Skywards Silver tier membership included during your first year—providing priority check-in, extra baggage allowance, and other elite benefits without requiring qualifying flights. To retain Silver status beyond the first year, simply spend $20,000 on purchases annually on the card, making elite status accessible through spending rather than flying.

The welcome bonus of 40,000 Skywards Miles after spending $3,000 in the first 90 days provides significant value toward Emirates award flights, while the 25% savings when buying or gifting Skywards Miles adds flexibility for topping off your account. With no foreign transaction fees and comprehensive Mastercard World Elite benefits, this $99 annual fee card is ideal for travelers who fly Emirates to Dubai, the Middle East, Asia, Africa, or Australia.

APR Breakdown

• Purchase APR: 20.24%–29.99% variable
• Balance Transfer APR: 20.24%–29.99% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None specified

Note: Standard APR for airline rewards cards with no promotional intro periods. The card's value comes from Emirates-specific benefits and travel earning rather than financing features.

Benefits Overview

Emirates & Elite Status Benefits

• 3x Skywards Miles per dollar on Emirates purchases
• Emirates Skywards Silver tier membership during first year (automatically upon approval)
• Retain Silver status by spending $20,000 annually on card purchases
• 40,000 bonus Skywards Miles after $3,000 spend in 90 days
• 25% savings when buying or gifting Skywards Miles
• Priority check-in at Emirates airports (Silver benefit)
• Extra baggage allowance (Silver benefit)
• Priority baggage handling (Silver benefit)
• Access to Emirates Business Class check-in counters (Silver benefit)

Travel Earning & Benefits

• 2x Skywards Miles per dollar on eligible travel purchases (airfare, hotels, car rentals)
• 1x Skywards Mile per dollar on all other purchases
• No foreign transaction fees (0%)—essential for international travel
• Travel accident insurance
• Auto rental collision damage waiver (secondary coverage)
• Travel and emergency assistance services
• Trip cancellation/interruption insurance
• Lost luggage reimbursement

Everyday Benefits

• Miles never expire as long as account is active
• Zero fraud liability protection
• 24/7 customer service
• Digital wallet compatibility
• Online account management and mobile app access

Mastercard World Elite Benefits

• Complimentary premium concierge service
• Luxury hotel and resort benefits
• Exclusive shopping and dining experiences
• Mastercard airport concierge services at select airports
• Extended warranty protection
• Purchase protection

Rewards & Earning Structure

• 3x Skywards Miles per dollar on Emirates purchases (flights, extras, Emirates Holidays)
• 2x Skywards Miles per dollar on eligible travel purchases (airfare, hotels, car rentals)
• 1x Skywards Mile per dollar on all other purchases
• No caps or limits on miles earned
• Miles never expire as long as account is active (with activity every 18 months)
• Redemption: Emirates award flights, upgrades, partner airline flights (one world alliance), hotels, car rentals, experiences

Emirates Skywards Miles are valued at approximately 1–1.5 cents per mile when redeemed for Emirates flights, with potential for even higher value on premium cabin redemptions. The 3x earning on Emirates purchases provides 3%–4.5% return, while 2x on travel equals 2%–3% back.

Welcome Bonus

Earn 40,000 Skywards Miles after spending $3,000 on purchases within the first 90 days of account opening.

This welcome bonus (promotional offer running November 5, 2025 through January 6, 2026) is worth approximately $400–$600 in flight value depending on redemption. 40,000 miles can cover one-way business class flights to the Middle East or roundtrip economy tickets to select destinations. With a $3,000 spending requirement over 90 days ($1,000/month), this bonus is reasonable for most cardholders and provides meaningful value toward Emirates award flights.

Fees Summary

• Annual Fee: $99
• Foreign Transaction Fee: $0
• Balance Transfer Fee: Not typically offered
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Emirates flyers who use Emirates for international travel
• International travelers to Dubai, Middle East, Asia, Africa, Australia
• Business travelers connecting through Dubai International Airport
• Those pursuing Emirates elite status without qualifying flights ($20K spend retains Silver)
• oneworld alliance flyers using partner airlines
• Frequent travelers maximizing 2x on all travel purchases
• Luxury travel enthusiasts appreciating Emirates' premium service
• Expatriates and immigrants traveling between US and home countries via Emirates

Not Good For

• Domestic-only travelers who don't fly internationally
• Infrequent international flyers (less than 1–2 times annually)
• Those in non-Emirates markets without direct Emirates service
• Budget airline travelers focused on low-cost carriers
• Those seeking flexible transfer partners beyond oneworld
• Balance carriers (standard APR without promotional periods)
• Those wanting premium card benefits like lounge access (upgrade to Premium card for this)
• Travelers loyal to Star Alliance or SkyTeam airlines

Key Pros & Cons

Pros

• 3x earning on Emirates purchases
• 2x earning on all eligible travel (broad category)
• 40,000 Skywards Miles welcome bonus
• Emirates Skywards Silver status for first 12 months (no flights required)
• Retain Silver status with $20,000 annual spend (accessible through card use)
• 25% savings when buying or gifting Skywards Miles
• No foreign transaction fees (essential for international travel)
• Miles never expire with active account
• Mastercard World Elite benefits including concierge service
• oneworld alliance redemption options expand award availability
• $99 annual fee (reasonable for international airline card)

Cons

• $99 annual fee (not waived first year)
• Limited value for domestic-only travelers
• Miles primarily valuable for Emirates and oneworld partners
• $20,000 annual spend required to retain Silver status (high threshold)
• $3,000 spend in 90 days for welcome bonus (higher than some cards)
• No Priority Pass or lounge access (available on Premium card)
• 1x earning on non-travel purchases is basic
• Standard APR with no promotional financing
• Silver status benefits modest compared to Gold/Platinum tiers
• Limited value if you don't fly Emirates regularly

Alternatives to Consider

Card	Best For	Annual Fee	Rewards	Welcome Bonus
Emirates Skywards Premium Card	Premium Emirates benefits + lounges	$499	3x Emirates, 2x travel	50,000 miles + Gold status
Chase Sapphire Preferred	Flexible travel rewards	$95	2x–5x travel/dining	60,000 points
Capital One Venture	Simple travel rewards	$95	2x on everything	75,000 miles
American Express Gold	Dining and supermarket rewards	$250	4x dining/supermarkets	60,000 points

How the Rewards Add Up

Example Annual Value

Assuming you fly Emirates 2 times annually and spend $18,000 per year:

Category	Annual Spend	Reward Rate	Earned Value
Emirates flights	$3,000	3x miles	9,000 miles ($108–$135)
Other airlines & hotels	$4,000	2x miles	8,000 miles ($96–$120)
Groceries	$4,800	1x miles	4,800 miles ($58–$72)
Dining & entertainment	$3,600	1x miles	3,600 miles ($43–$54)
All other purchases	$2,600	1x miles	2,600 miles ($31–$39)
Welcome bonus (first year)	—	—	40,000 miles ($480–$600)
Silver status benefits	—	Priority check-in, extra baggage	$100

First Year Total Value: $916–$1,120
Ongoing Annual Value: $436–$520

Minus $99 annual fee = $337–$421 net annual value (ongoing)

For travelers spending $20,000+ annually to retain Silver status, the elite benefits add value beyond miles earned, including extra baggage allowance (saves $50–$100+ per international trip), priority services, and enhanced travel experience.

Should You Get This Card?

You Should Get It If...

• You fly Emirates at least 1–2 times per year for international travel
• You connect through Dubai International Airport regularly
• You want Emirates Skywards Silver status without qualifying flights
• You can spend $20,000 annually to retain Silver status beyond year one
• You travel internationally frequently (maximize 2x on all travel)
• You value 25% savings when buying/gifting Skywards Miles
• You appreciate Emirates' premium service and global network
• You need no foreign transaction fees for international spending
• You always pay balances in full (no promotional APR)
• You're interested in oneworld alliance award redemptions

You Should Skip It If...

• You fly Emirates less than once per year
• You primarily travel domestically within the US
• You're not in an Emirates market or they don't serve your destinations
• You won't reach $20,000 annual spend to retain Silver status
• You prefer other airline alliances (Star Alliance, SkyTeam)
• You want lounge access (upgrade to Premium card for Priority Pass)
• You're seeking flexible transfer partners beyond oneworld
• You need promotional financing options (no intro APR)
• You want higher rewards on everyday non-travel spending
• You're focused on budget airlines rather than premium carriers

Apply Now

Apply for Emirates Skywards Rewards Card

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Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.