Emirates Skywards Rewards World Elite Mastercard® from Barclays: annual fee, APR and rewards

Fact sheet for the Emirates Skywards Rewards World Elite Mastercard®, issued by Barclays, with a $99 annual fee, an intro APR offer and miles. Every detail below comes from the issuer’s pricing and terms pages, checked on the date shown at the end of the page.

Issuer	Barclays
Network	Mastercard
Annual fee	$99 a year
Rewards	Miles: Earn 3 Skywards Miles on eligible Emirates purchases; 2 Skywards Miles on eligible travel purchases; 1 Skywards Mile on all other purchases. Earn 1 Tier Mile per 4 base Skywards Miles earned.
Purchase APR	19.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate.
Intro APR	0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening.
Balance transfer fee	Either $5 or 5% of the amount of each transfer, whichever is greater.
Sign-up bonus	Enjoy Emirates Skywards Silver tier membership during your first year, and retain your tier status by spending $20,000 each cardmembership year. And earn 40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days.
Foreign transaction fee	None
Credit level	Excellent, Good (tiers the issuer reports to the CFPB)

What new cardholders actually got

In the CFPB's Terms of Credit Card Plans survey for July to December 2025, new accounts on this card got a median purchase APR of 25.24%, with a range of 19.49% to 29.99%. The advertised range above is what the issuer offers today; the survey shows where approved applicants landed.

Source: Consumer Financial Protection Bureau, Terms of Credit Card Plans survey.