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Annual Fee
$499
Our valuationFirst-year valueWelcome bonus$840Total$840Rewards on your spending are not included. The calculator that adds them from your own profile is on the card's page.
$840
Welcome offerAfter $3,000 in 3 months
70,000 points
No time to apply right now?
Get this offer by email and pick up where you left off, whenever suits you.
Pros & Cons
Pros
Welcome Bonus: 70,000 points
Lounge access included
No foreign transaction fees
Cons
–High annual fee ($499/yr)
–No purchase protection
Rewards
All Spending
1x
Emirates Skywards pts per dollar
Travel
2x
Emirates Skywards pts per dollar
Credit Card Rewards Calculator
See how much you could earn with this card based on your spending.
¢/ point
0.50¢3¢
Groceries1x
$700/mo
Gas & EV1x
$200/mo
Transit1x
$100/mo
Restaurants1x
$300/mo
Pharmacy1x
$50/mo
Travel2x
$150/mo
Bills & recurring payments1x
$250/mo
Telecom1x
$150/mo
Entertainment & streaming1x
$100/mo
Office supplies1x
$0/mo
Online advertising1x
$0/mo
All other spending1x
$500/mo
Points Earned
31,800
Emirates Skywards/yr
Estimated Value
$318
After Fees
$-181
1st Year ValueThese figures are estimates from our own calculator, based on our point valuations and the spending you enter. They are not the card issuer's valuation and have not been provided or endorsed by the issuer. Actual rewards may vary.
$519
incl. welcome bonus
Breakdown
Groceries$8,400/yr × 1x8,400 pts
Gas & EV$2,400/yr × 1x2,400 pts
Transit$1,200/yr × 1x1,200 pts
Restaurants$3,600/yr × 1x3,600 pts
Pharmacy$600/yr × 1x600 pts
Travel$1,800/yr × 2x3,600 pts
Bills & recurring payments$3,000/yr × 1x3,000 pts
Telecom$1,800/yr × 1x1,800 pts
Entertainment & streaming$1,200/yr × 1x1,200 pts
All other spending$6,000/yr × 1x6,000 pts
Total annual spend$30,000
Total monthly spend$2,500
Average earn rate on spend per year1.06x
Total points earned31,800 pts
Value of points accumulated in the first year≈ $318
Perks & Benefits
Lounge Access
Unlimited
NEXUS membership
Included
NEXUS Credit
$120
Additional Benefits
Receive 25% savings when you Buy Skywards Miles for yourself or Gift Miles. The Skywards Miles you earn will not expire as long as your account remains open, and there is no limit to the number of Skywards Miles you can earn. No foreign transaction fees on international purchases. Complimentary online access to your FICO Credit Score. $0 Fraud Liability protection means you're not responsible for charges you did not authorize. Priority Pass Select lounge access provides unlimited access to over 1,200 lounges worldwide for the primary cardmember and their guest(s). Enjoy Emirates Skywards Gold tier membership during your first year, and retain your tier status by spending $40,000 each cardmembership year. Cash + Miles Special Rate: enjoy a special rate when using your Emirates Skywards Mastercard to book flights on emirates.com and the Emirates App using Cash + Miles. Receive an automatic statement credit for the cost of one Global Entry or TSA PreCheck application fee every five years - up to $120.
