Emirates Skywards Rewards World Elite

Earn 40,000 bonus Skywards Miles as a one-time welcome reward. Spend $3,000 on purchases within the first 90 days of account opening to qualify. Miles post after the spending threshold is met.

Earn 3 Skywards Miles per $1 spent on Emirates purchases, 2 miles per $1 on airfare, hotels, and car rentals with any provider, and 1 mile per $1 on everything else. There is no cap on how many miles you can earn in any category.

Cardholders who hold Emirates Skywards Silver status can access Emirates Business Class lounges at Dubai airports. This perk is tied to maintaining Silver status and is limited to Dubai locations only — it does not extend to other Emirates lounges around the world.

You automatically receive Emirates Skywards Silver status for your first cardmember year. After that, you can keep Silver status by spending $20,000 on the card each cardmembership year. Silver status includes perks like Emirates Business Class lounge access in Dubai and bonus miles earning.

You're not responsible for any unauthorized charges made on your card. If fraudulent transactions appear, report them and you owe $0 — covering both physical card and account number misuse.

You pay no extra fees on purchases made outside the United States. Every international transaction is charged at the standard rate with no added percentage tacked on, making this card straightforward to use abroad.

Get free access to your FICO® Credit Score online at any time. You'll also receive alerts whenever your score changes, so you can track your credit health without paying for a separate monitoring service.

Skywards Miles you earn with this card never expire. Keep your account open and in good standing, and your miles stay available indefinitely — no activity requirements needed to prevent them from zeroing out.