Barclays
Emirates Skywards Rewards World Elite Mastercard
Estimated value every year on typical spending
$244/ year
Every year, after the annual fee. Year one adds a $440 welcome bonus: $684
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
On typical spending the Barclays Emirates Skywards Rewards World Elite Mastercard returns about $343 a year in rewards and usable credits, which covers its $99 fee with $244 to spare. The welcome bonus adds roughly $440 in the first year.
The fine print
- Intro APR
- 0% for the first 12 billing cycles
- Regular APR
- 19.74% to 29.74% variable
- Foreign fee
- None
- Top perk
- Emirates Skywards Silver tier membership during your first year
- Approval
- Excellent credit recommended
- Redeem for
- Airline/hotel bookings · Loyalty program transfers · Gift cards
Rewards
- 3 Skywards Miles on eligible Emirates purchases, 2 Skywards Miles on eligible travel purchases, and 1 Skywards Mile on all other purchases
Sign-up bonus
40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days.
Best for
- Travelers who redeem points
Not ideal for
- People who want plain cash back
- Thin or new credit files
Trade-offs: Higher annual fee ↔ richer rewards & perks; Better travel value ↔ less straightforward than cash back; Top-tier earning ↔ harder to qualify for; Large welcome bonus ↔ higher spend requirement.
Worth knowing
- Annual fee
- $99
- Intro APR
- 0% for the first 12 billing cycles
- Regular APR
- 19.74% to 29.74% variable
- Balance transfer fee
- Either $5 or 5% of the amount of each transfer, whichever is greater.
- $1200/mo on everyday spending earns about $158/year (1.1x).
- You come out ahead of a no-fee 1% card after about $99000/year of everyday spending spending.
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Emirates Skywards Rewards World Elite Mastercard: questions people ask
Is the Barclays Emirates Skywards Rewards World Elite Mastercard worth it?
On typical spending the Barclays Emirates Skywards Rewards World Elite Mastercard returns about $343 a year in rewards and usable credits, which covers its $99 fee with $244 to spare. The welcome bonus adds roughly $440 in the first year.
What is the Barclays Emirates Skywards Rewards World Elite Mastercard annual fee?
The Barclays Emirates Skywards Rewards World Elite Mastercard has a $99 annual fee. On typical spending its rewards and usable credits come to about $343 a year, so it nets about $244 after the fee.
What is the Barclays Emirates Skywards Rewards World Elite Mastercard welcome bonus?
Earn 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days. We value it at about $440. We check the issuer's page daily; it hasn't changed since we started tracking on Oct 26, 2026.
What does the Barclays Emirates Skywards Rewards World Elite Mastercard earn?
3 Skywards Miles on eligible Emirates purchases, 2 Skywards Miles on eligible travel purchases, and 1 Skywards Mile on all other purchases.
What credit score do you need for the Barclays Emirates Skywards Rewards World Elite Mastercard?
The issuer doesn't say; we'd class it as: excellent credit recommended. Checking your matches on CardFit never runs a credit check.
Does the Barclays Emirates Skywards Rewards World Elite Mastercard charge foreign transaction fees?
No. The Barclays Emirates Skywards Rewards World Elite Mastercard has no foreign transaction fee.
Does the Barclays Emirates Skywards Rewards World Elite Mastercard have a 0% intro APR?
0% for the first 12 billing cycles. After that the regular APR is 19.74% to 29.74% variable.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Barclays product page. Terms change often; confirm them with the issuer before you apply.