Back to Credit Cards
Card Economics
- Annual Fee
- $499
- Ongoing Annual Value
- −$290
- First-Year Value Estimate
- $248
- Net Value
- −$789
Card type: PersonalForeign transaction fee: NoneCurrency: Emirates Skywards
Sign-up Bonus
70K after $3K spend in the first 90 days + Gold status for your first cardmember year
Am I eligible?Earning Structure
3XEmirates purchases3.6%
2XCar rentals2.4%
2XFlights2.4%
2XHotels2.4%
1XAll other purchases1.2%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
Benefits
Worth it for me?Credits & Perks (1)
- Global Entry/TSA PreCheck: $120 (Every 5 Years)
Covers application fee. Credit applies automatically when charged to card.
Lounge Access (2)
- Priority Pass Select (Unlimited) — 2 free guests, paid guests allowed
- Emirates Business Class Lounges worldwide (Unlimited) — 1 free guest
Elite Status (1)
- Emirates Skywards: Gold
Protections (5)
- Travel Accident Insurance — up to $250,000 — Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
- Trip Cancellation/Interruption — up to $5,000 — Up to $5,000 per trip for non-refundable trip costs
- Baggage Delay Insurance — up to $300 — $100 per day for up to 3 days for essential purchases when baggage is delayed 6+ hours
- Auto Rental Collision Damage Waiver (secondary) — Coverage for rental car damage or theft when entire rental paid with card; covers rentals up to 31 consecutive days
- Cell Phone Protection — up to $800 — Up to $800 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card
Other Perks
- 10,000 anniversary bonus Skywards Miles after spending $30,000 on purchases each cardmembership year
- 25% savings on buying or gifting miles
- Miles don't expire while account remains open
- Unlimited miles earning potential
- Complimentary FICO Credit Score access
- $0 fraud liability protection
- 0% intro APR for 12 months on balance transfers made within 45 days of opening
