Emirates Skywards Rewards World Elite Mastercard
Barclays$99 a yearWorld Elite MastercardNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it if what you use each year covers the fee.
Welcome bonus
40,000points
after $3,000 in purchases in the first 3 months
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus40,000 points at 1.2¢ | $480 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$18 |
| Annual fee | −$99 |
| Meeting the $3,000 minimumearns 1.2% here vs 2% on Double Cash | −$24 |
| First year | $375 |
| Each year after | +$39 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Car rentals | 2.4% |
| 2X | Flights | 2.4% |
| 2X | Hotels | 2.4% |
| 3X | Emirates purchases | 3.6% |
| 1X | Everything else | 1.2% |
Personal card · Earns Emirates Skywards
Benefits
Lounge Access (1)
- Dubai Emirates Business Class Lounges (Unlimited)
Elite status (1)
- Emirates Skywards: Silver
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
- 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
The Emirates Skywards family
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Emirates RewardsOct 8, 2026
- changed from null to 3000Aug 13, 2026
- changed from null to 90Aug 13, 2026