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Card Economics
- Annual Fee
- $99
- Ongoing Annual Value
- $21
- First-Year Value Estimate
- $303
- Net Value
- −$78
Card type: PersonalForeign transaction fee: NoneCurrency: Emirates Skywards
Sign-up Bonus
40K after $3K spend in the first 90 days + Silver 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?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
