Emirates Skywards Rewards World Elite Mastercard®

Barclays Mastercard World Elite Pending

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23

Benefits

3

Reward Categories

3x

Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: emirates-skywards-rewards-world-elite-mastercard

Issuer: Barclays

Card Name: Emirates Skywards Rewards World Elite Mastercard®

Card Type: Credit

Network: Mastercard

Card Tier: World Elite

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 17:08

Last Scraped: Jan 24, 2026 06:18

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed) 3 Categories
PENDING
Category Rate Type Description Annual Cap Status
Emirates Purchases 3x Miles Eligible Emirates purchases No Cap
Travel 2x Miles Eligible travel purchases No Cap
All Other Purchases 1x Miles All other purchases No Cap
Rewards Summary
PENDING

Reward Type: Airline Miles (Emirates Skywards Miles)

Base Rate: 1x

Bonus Rate: 3x

Categories: 3x Emirates Purchases, 2x Travel Purchases, 1x All Other Purchases

Quarterly Rotating: No

Cap Amount: $0.00

Expiration Policy: Skywards Miles expire 3 years from the month they were earned. (Note: This is based on current Skywards program rules; actual 2026 policy may vary.)

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: Emirates, Qantas, United, Japan Airlines, Korean Air, South African Airways, Copa Airlines, easyJet, GOL, JetBlue, Malaysia Airlines, S7 Airlines, TAP Portugal, WestJet (Note: These are airline partners for earning/redeeming Skywards Miles, not transfer partners in the traditional sense of bank points.)

Redemption Penalties: Fees may apply for changes or cancellations to award tickets.

Benefits & Protections (Detailed) 23 Total
PENDING
Mastercard World Elite Benefits 9
Concierge Service
N/A

Enjoy 24/7 personalized assistance with travel planning, dinner reservations, event tickets, and more.

Travel Accident Insurance
N/A

Provides coverage for accidental death or dismemberment while traveling on a common carrier when tickets are purchased with your card.

Trip Cancellation/Interruption Insurance
N/A

Reimburses you for non-refundable travel expenses if your trip is canceled or interrupted for covered reasons.

Baggage Delay Insurance
N/A

Reimburses you for essential purchases like toiletries and clothing if your baggage is delayed by a common carrier.

Lost Luggage Insurance
N/A

Reimburses you for the cost of replacing your lost or stolen luggage and its contents.

Rental Car Collision Damage Waiver
N/A

Provides coverage for damage due to collision or theft of most rental vehicles when you pay for the rental with your card and decline the rental company's insurance.

Travel & Lifestyle Services
N/A

Access to a suite of travel and lifestyle benefits, including exclusive offers and experiences.

Mastercard ID Theft Protection™
N/A

Provides identity theft resolution services, including alerts and assistance.

Mastercard Global Service™
N/A

Provides emergency assistance services, including lost/stolen card reporting, emergency card replacement, and emergency cash advance.

Rewards 4
Emirates Purchases Miles
2X Miles

Earn 2 Skywards Miles for every $1 spent on eligible Emirates purchases.

All Other Purchases Miles
1X Mile

Earn 1 Skywards Mile for every $1 spent on all other eligible purchases.

Welcome Bonus Miles
40,000 bonus Skywards Miles

Earn 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days.

Anniversary Bonus Miles
5,000 bonus Skywards Miles

Earn 5,000 bonus Skywards Miles after spending $15,000 on purchases in a year.

Security & Protection 3
Fraud Liability Protection
N/A

You're protected from unauthorized purchases made on your card.

Online Account Access
N/A

Manage your account, pay bills, and view statements online.

Account Alerts
N/A

Get alerts for suspicious activity, payment reminders, and more.

Shopping Benefits 3
Cell Phone Protection
Up to $1,000 yearly coverage

Get up to $1,000 in yearly coverage ($600 per claim, maximum 2 claims per year) if your cell phone is stolen or damaged when you pay your monthly cell phone bill with your card. A $50 deductible applies per claim.

Purchase Security
Up to $1,000 per claim, $50,000 per cardholder

Eligible items purchased with your card are covered for 90 days from the date of purchase against theft or damage, up to $1,000 per claim and $50,000 per cardholder.

Extended Warranty
Up to one additional year, up to $10,000

Extends the original manufacturer’s or store brand warranty for up to one additional year on eligible items purchased with your card. Coverage is limited to the lesser of the cost of the item or $10,000.

Travel Benefits 4
Complimentary Emirates Skywards Silver Status
Complimentary Silver status

Enjoy complimentary Emirates Skywards Silver status for the first year. Maintain Silver status by spending $20,000 on purchases each year.

Emirates Business Class Upgrades
Two complimentary upgrades

Receive two complimentary upgrades to Emirates Business Class when you purchase an Emirates Economy Class ticket.

Global Entry or TSA PreCheck® Application Fee Credit
Up to $100

Receive a statement credit of up to $100 every five years for the application fee for Global Entry or TSA PreCheck®.

No Foreign Transaction Fees
N/A

Pay no foreign transaction fees on purchases made while traveling abroad.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $100

TSA PreCheck Credit: $100

Hotel Status: Emirates Skywards Silver, Emirates Skywards Gold

Sign-Up Bonus
PENDING

60,000

Points/Miles

Requirement: Spend $3,000 in 90 days

Timing: Bonus miles are typically credited to your Emirates Skywards account 6-8 weeks after you meet the spending requirement.

Fee Structure
PENDING
Annual Fee: $99.00
Year 1 Waived: No
Effective Annual Fee: $99.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $2.00
Additional Fees
PENDING
Late Fee: $40.00
Returned Payment: $40.00
Balance Transfer: Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance: Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Transaction: 0.00%
Interest Rates & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 12 months

Intro BT APR: 0% for 12 months

Promo Financing: Introductory APR

Promo Duration: 12 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
700 - 850
Very Good
Supported
Application Process
Available
Not specified
Experian, TransUnion
Issuer Rules & Policies
PENDING

Rules: To be eligible for the Emirates Skywards Rewards World Elite Mastercard, applicants must be 18 years or older, a US resident, and possess a good to excellent credit score (typically FICO 700+). A critical application rule for Barclays is the '6/24 Rule': applicants cannot have opened more than 6 new credit card accounts from *any issuer* within the past 24 months. For bonus eligibility, applicants typically must not have had this specific card or received a sign-up bonus for it within the last 24 months. Approval is also subject to Barclays' assessment of overall credit exposure and existing relationship with the bank.

Max Cards Per Issuer: 3

Min Spend Interval: 3 months

Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit with Barclays relative to reported income, frequent balance transfers without new organic spend, abuse of sign-up bonuses (e.g., applying for the same card too frequently), sudden large uncharacteristic spending patterns, defaulting on other credit products, or perceived 'gamer' behavior (applying for many cards across issuers in a short period).

Cliff Effect Rules: Barclays does not have specific 'cliff effect' rules tied to card families like some other issuers. Eligibility is primarily governed by the 6/24 rule and overall credit exposure, rather than restrictions based on holding other cards within the Emirates or Barclays portfolio.

International Friendly: Yes

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
Strong rewards for Emirates flyers, valuable travel benefits, and a generous welcome bonus.

Top Negative:
Annual fee may not be justified for infrequent Emirates flyers, rewards are tied exclusively to Emirates Skywards program.

Approval Experience: 72.5 / 100

Recommended Alternatives
  • United Explorer Card
  • Chase Sapphire Preferred Card
  • Capital One Venture Rewards Credit Card

Card Value Score: 85.0 / 100

Est. Annual Rewards: $414.00

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0