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Barclays credit card

Emirates Skywards Rewards World Elite Mastercard®

$99 a year. 40,000 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

40,000 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
Sep 29, 2026
history will chart every change

Earn 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days. Enjoy Emirates Skywards Silver tier membership during the first year. Retain tier status by spending $20,000 each cardmembership year.

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$420$20
Typical spender$620$220
Heavy spender$1,105$705
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¢; not counted: 3x Earn 3 Skywards Miles for every $1 spent on emirates.com or at the Emirates Sales office..

$20a year

$420 the first year, with the welcome bonus.

Rewards and credits$120

You keep $20−$100 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¢.

$220a year

$620 the first year, with the welcome bonus.

Rewards and credits$320

You keep $220−$100 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¢.

$705a year

$1,105 the first year, with the welcome bonus.

Rewards and credits$805

You keep $705−$100 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); not counted: 3x Earn 3 Skywards Miles for every $1 spent on emirates.com or at the Emirates Sales office.; 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

Worth more to a typical spender than about 65% of the 732 cards we track.

Other miles cards with fees up to $100

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×
Earn 3 Skywards Miles for every $1 spent on emirates.com or at the Emirates Sales office.
2×
Earn 2 Skywards Miles on eligible travel purchases.
1×
Everything else

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

Benefits

  • Emirates Skywards Silver tier membership during the first year; retain tier status by spending $20,000 each cardmembership year.
  • Earn 1 Tier Mile for every 4 base Skywards Miles earned; these Tier Miles are in addition to the Skywards Miles earned through the Card Account.
  • Receive 25% savings when buying Skywards Miles for yourself or gifting Miles.
  • Preferred rates when making Cash + Miles purchases on emirates.com or the Emirates app; the offer is valid for purchases made before March 31, 2027, subject to stated booking and program restrictions.
  • There is no limit to the number of Skywards Miles you can earn as long as the account remains open, active and in good standing.
All 9 benefits
  • Skywards Miles do not expire while the account is open.
  • Complimentary online access to your FICO Score, subject to account and availability conditions.
  • $0 fraud liability protection.
  • No foreign transaction fees.

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?
$99 · 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?
40,000 Skywards Miles after $3,000 in purchases in 3 months. · cards.barclaycardus.com, since Sep 29, 2026
See it on cards.barclaycardus.com

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