Pros & Cons

Pros

  • +Welcome Bonus: 40,000 points
  • +No foreign transaction fees

Cons

  • 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¢
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
All other spending1x
$500/mo

Points Earned

31,800

Emirates Skywards/yr

Estimated Value

$318

After Fees

+$219

1st Year Value

$619

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

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. Enjoy Emirates Skywards Silver tier membership during your first year, and retain your tier status by spending $20,000 each cardmembership year.

Fees and interest rates

  • Annual Fee
    $99
  • Foreign currency conversion fee
    0%

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