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Barclays credit card

Emirates Skywards Premium World Elite Mastercard®

  • Bonus down · 70,00050,000 · Oct 8, 2026

$499 a year. 50,000 Skywards Miles after you spend $3,000 in 3 months. Purchase APR 19.74–29.74%, variable.

Checked Nov 1, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Barclays’s terms

Welcome offer

50,000 Miles

After you spend $3,000 on purchases in your first 3 months.

Spending it takes
$1,000 a month
for 3 months
Tracking since
Oct 8, 2026
history will chart every change

The spending must occur in the first 90 days. The bonus may only be earned once, and applicants may not be eligible if they currently have or previously had an account with Barclays in this program or if Barclays suspects abusive or gaming activity.

  • Below its best earlier offer we’ve seen: 70,000 Skywards Miles.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$120−$380
Typical spender$320−$180
Heavy spender$805$305
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

−$380a year

$120 the first year, with the welcome bonus.

Rewards and credits$120

−$380 after the fee−$500 annual fee

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

−$180a year

$320 the first year, with the welcome bonus.

Rewards and credits$320

−$180 after the fee−$500 annual fee

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

$305a year

$805 the first year, with the welcome bonus.

Rewards and credits$805

You keep $305−$500 annual fee

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); points valued at an assumed 1¢.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

Other miles cards with fees over $300

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Emirates Skywards

How you earn

3×
eligible Emirates purchases
2×
eligible travel purchases
1×
Everything else

Miles per dollar. “What it’s worth” values a mile at an assumed 1¢.

Benefits

  • Global Entry or TSA PreCheck application fee credit: $120 every 5 years
  • Complimentary Emirates Skywards Gold tier membership: 12 months (Enjoy Gold tier membership during your first year; retain your tier status by spending $40,000 each cardmembership year.)
  • Automatic statement credit for the cost of one Global Entry or TSA PreCheck application fee every five years, up to $120.
  • Priority Pass Select lounge access with unlimited access to over 1,200 lounges worldwide for the primary cardmember and their guest(s).
  • Emirates Skywards Gold tier membership during the first year; retain tier status by spending $40,000 each cardmembership year.
All 13 benefits
  • Earn 10,000 anniversary bonus Skywards Miles after spending $30,000 on purchases each cardmembership year.
  • Earn 1 Tier Mile for every 4 Skywards Miles earned.
  • Receive 25% savings when buying Skywards Miles for yourself or gifting Miles.
  • Preferred rates for Cash + Miles purchases when booking on emirates.com and the Emirates app; promotional offers are valid through March 31, 2027 and have stated booking and flight restrictions.
  • No foreign transaction fees.
  • Complimentary online access to a FICO Credit Score, subject to stated account conditions.
  • $0 Fraud Liability protection.
  • There is no limit to the number of Skywards Miles you can earn while the account remains open, active and in good standing.

Changes

70,000 Skywards Miles50,000 Skywards Miles since Oct 8Sep 29Today
  • Oct 8, 2026 Bonus 70,00050,000

Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
$499 · cards.barclaycardus.com, since Sep 29, 2026
Does it charge a foreign transaction fee?
Yes: 0% of each transaction in U.S. dollars.. · cards.barclaycardus.com, since Oct 8, 2026
What is the purchase APR?
19.74–29.74% APR · cards.barclaycardus.com, since Oct 1, 2026
Is there a welcome bonus?
50,000 Skywards Miles after $3,000 in purchases in 3 months. · cards.barclaycardus.com, since Oct 12, 2026
See it on cards.barclaycardus.com

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