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$99
Annual Fee
40,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Emirates Skywards
Credit Required
Excellent
40,000
points
$3,000
Spend Required
90 months
Time Period
Benefits & Perks
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
FICO score monitoring
—
Annual
Complimentary online access to your FICO® Credit Score lets you keep an eye on your credit score and get alerts when we learn that your score has c...
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Program & Transfers
Hello tomorrow
Emirates Skywards is the loyalty program of Emirates, the Dubai-based carrier known for its luxury service and extensive international network. Emirates is not part of any airline alliance, but partners with flydubai and select airlines including Alaska Airlines, JetBlue, and others. The program is renowned for its premium cabin products, particularly first class on the Airbus A380 featuring private suites with sliding doors and onboard shower spas. Emirates operates one of the world's youngest fleets with extensive service to over 150 destinations. Emirates Skywards is a transfer partner of American Express Membership Rewards (5:4 ratio), Citi ThankYou Points (5:4 ratio), Capital One Miles (4:3 ratio), and Bilt Rewards (1:1 ratio). Chase ended its partnership in October 2025. The best transfer value comes from Bilt Rewards at 1:1, followed by Capital One's 4:3 ratio.
Details & Terms
| Foreign Transaction Fee | $0 |
Yes, miles expire 3 years from the date earned. In the third year, they expire at the end of your birth month. Platinum members' miles never expire. You can pay $20 per 1,000 miles to extend expiring miles for 12 months.
As of May 2025, first class award bookings require Emirates Silver, Gold, or Platinum elite status. You can get Silver status with the Emirates Skywards Rewards Mastercard ($99/year) or Gold status with the Premium card ($499/year). Alternatively, book business class and upgrade to first with additional miles.
Bilt Rewards (1:1 ratio), Capital One Miles (4:3 ratio), Amex Membership Rewards (5:4 ratio), and Citi ThankYou Points (5:4 ratio). Chase ended its partnership in October 2025.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$99
Annual Fee
40,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Emirates Skywards
Credit Required
Excellent
40,000
points
$3,000
Spend Required
90 months
Time Period
Benefits & Perks
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
FICO score monitoring
—
Annual
Complimentary online access to your FICO® Credit Score lets you keep an eye on your credit score and get alerts when we learn that your score has c...
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Program & Transfers
Hello tomorrow
Emirates Skywards is the loyalty program of Emirates, the Dubai-based carrier known for its luxury service and extensive international network. Emirates is not part of any airline alliance, but partners with flydubai and select airlines including Alaska Airlines, JetBlue, and others. The program is renowned for its premium cabin products, particularly first class on the Airbus A380 featuring private suites with sliding doors and onboard shower spas. Emirates operates one of the world's youngest fleets with extensive service to over 150 destinations. Emirates Skywards is a transfer partner of American Express Membership Rewards (5:4 ratio), Citi ThankYou Points (5:4 ratio), Capital One Miles (4:3 ratio), and Bilt Rewards (1:1 ratio). Chase ended its partnership in October 2025. The best transfer value comes from Bilt Rewards at 1:1, followed by Capital One's 4:3 ratio.
Details & Terms
| Foreign Transaction Fee | $0 |
Yes, miles expire 3 years from the date earned. In the third year, they expire at the end of your birth month. Platinum members' miles never expire. You can pay $20 per 1,000 miles to extend expiring miles for 12 months.
As of May 2025, first class award bookings require Emirates Silver, Gold, or Platinum elite status. You can get Silver status with the Emirates Skywards Rewards Mastercard ($99/year) or Gold status with the Premium card ($499/year). Alternatively, book business class and upgrade to first with additional miles.
Bilt Rewards (1:1 ratio), Capital One Miles (4:3 ratio), Amex Membership Rewards (5:4 ratio), and Citi ThankYou Points (5:4 ratio). Chase ended its partnership in October 2025.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
$99
Annual Fee
40,000
points · Welcome Bonus
3X
Top Rate
Annual Fee
$99
Foreign Transaction Fee
$0
Network
Mastercard World Elite
Rewards Currency
Emirates Skywards
Credit Required
Excellent
40,000
points
$3,000
Spend Required
90 months
Time Period
Benefits & Perks
$10/mo Instacart+
—
Annual
Get 3 free months of Instacart+ plus $10 off monthly orders when paid with card.
$5 Lyft + airport savings
—
Annual
Earn $5 monthly with 3 Lyft rides + save 10% on airport rides nationwide.
$3/mo Peacock
—
Annual
Save $3/month on Peacock Premium or Premium Plus with automatic statement credit.
$2.50/mo transit
—
Annual
Earn $2.50/month when spending $10+ on contactless transit in select U.S. cities.
FICO score monitoring
—
Annual
Complimentary online access to your FICO® Credit Score lets you keep an eye on your credit score and get alerts when we learn that your score has c...
Reviews & Analysis
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$99
Net Annual Value
-$99
Program & Transfers
Hello tomorrow
Emirates Skywards is the loyalty program of Emirates, the Dubai-based carrier known for its luxury service and extensive international network. Emirates is not part of any airline alliance, but partners with flydubai and select airlines including Alaska Airlines, JetBlue, and others. The program is renowned for its premium cabin products, particularly first class on the Airbus A380 featuring private suites with sliding doors and onboard shower spas. Emirates operates one of the world's youngest fleets with extensive service to over 150 destinations. Emirates Skywards is a transfer partner of American Express Membership Rewards (5:4 ratio), Citi ThankYou Points (5:4 ratio), Capital One Miles (4:3 ratio), and Bilt Rewards (1:1 ratio). Chase ended its partnership in October 2025. The best transfer value comes from Bilt Rewards at 1:1, followed by Capital One's 4:3 ratio.
Details & Terms
| Foreign Transaction Fee | $0 |
Yes, miles expire 3 years from the date earned. In the third year, they expire at the end of your birth month. Platinum members' miles never expire. You can pay $20 per 1,000 miles to extend expiring miles for 12 months.
As of May 2025, first class award bookings require Emirates Silver, Gold, or Platinum elite status. You can get Silver status with the Emirates Skywards Rewards Mastercard ($99/year) or Gold status with the Premium card ($499/year). Alternatively, book business class and upgrade to first with additional miles.
Bilt Rewards (1:1 ratio), Capital One Miles (4:3 ratio), Amex Membership Rewards (5:4 ratio), and Citi ThankYou Points (5:4 ratio). Chase ended its partnership in October 2025.
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| JFK to Milan First Class Round-Trip | 204,000 | — | first | — |
| JFK to Milan Business Class Round-Trip | 108,000 | — | business | — |
| Hong Kong to Bangkok First Class Round-Trip | 90,000 | — | first | — |
| US East Coast to Dubai First Class One-Way | 163,500 | — | first | — |
| Kuwait/Riyadh to Dubai First Class One-Way | 34,500 | — | first | — |
| MIA to Bogota First Class (via Qantas) | 64,500 | — | first | — |
| TAP Air Portugal US to Lisbon Business RT | 155,000 | — | business | — |
| Korean Air US to Seoul Business RT | 185,000–210,000 | — | business | — |
| Air Mauritius Island Hopping Economy RT | 16,000–28,000 | — | economy | — |
| Japan Airlines Tokyo to Hawaii Business One-Way | 77,500 | — | business | — |
| South Korea Domestic Economy One-Way | 8,000–10,000 | — | economy | — |
| US to Seychelles First Class Round-Trip | 327,000–372,000 | — | first | — |
No. Emirates is not a member of any major airline alliance (Star Alliance, oneworld, SkyTeam). However, it has individual partnerships with airlines including Air Canada, Japan Airlines, Korean Air, Qantas, and others.
The main options are: (1) Book directly with Emirates Skywards miles (requires elite status), (2) Book via Qantas Frequent Flyer using their distance-based chart, (3) Book via Air Canada Aeroplan (dynamic pricing, often expensive), or (4) Book Emirates business class and upgrade to first with Skywards miles at check-in.
Silver requires 25,000 tier miles or 25 flights. Gold requires 50,000 tier miles or 50 flights. Platinum requires 150,000 tier miles plus one qualifying flight in first or business class. Alternatively, the Emirates co-branded Barclays credit cards grant Silver or Gold status.
Yes, Emirates allows you to create a family account of up to 8 members and credit 100% of reward miles earned to the shared account.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| JFK to Milan First Class Round-Trip | 204,000 | — | first | — |
| JFK to Milan Business Class Round-Trip | 108,000 | — | business | — |
| Hong Kong to Bangkok First Class Round-Trip | 90,000 | — | first | — |
| US East Coast to Dubai First Class One-Way | 163,500 | — | first | — |
| Kuwait/Riyadh to Dubai First Class One-Way | 34,500 | — | first | — |
| MIA to Bogota First Class (via Qantas) | 64,500 | — | first | — |
| TAP Air Portugal US to Lisbon Business RT | 155,000 | — | business | — |
| Korean Air US to Seoul Business RT | 185,000–210,000 | — | business | — |
| Air Mauritius Island Hopping Economy RT | 16,000–28,000 | — | economy | — |
| Japan Airlines Tokyo to Hawaii Business One-Way | 77,500 | — | business | — |
| South Korea Domestic Economy One-Way | 8,000–10,000 | — | economy | — |
| US to Seychelles First Class Round-Trip | 327,000–372,000 | — | first | — |
No. Emirates is not a member of any major airline alliance (Star Alliance, oneworld, SkyTeam). However, it has individual partnerships with airlines including Air Canada, Japan Airlines, Korean Air, Qantas, and others.
The main options are: (1) Book directly with Emirates Skywards miles (requires elite status), (2) Book via Qantas Frequent Flyer using their distance-based chart, (3) Book via Air Canada Aeroplan (dynamic pricing, often expensive), or (4) Book Emirates business class and upgrade to first with Skywards miles at check-in.
Silver requires 25,000 tier miles or 25 flights. Gold requires 50,000 tier miles or 50 flights. Platinum requires 150,000 tier miles plus one qualifying flight in first or business class. Alternatively, the Emirates co-branded Barclays credit cards grant Silver or Gold status.
Yes, Emirates allows you to create a family account of up to 8 members and credit 100% of reward miles earned to the shared account.
Monitor surface and dark web for compromised credentials with real-time alerts and resolution services included.
Complimentary HealthLock membership monitors for medical identity fraud, prescription fraud, and unauthorized insurance claims.
Protection for cell phone damage or theft with $50 deductible and up to $1,000 annual limit.
Deductible: 50
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| JFK to Milan First Class Round-Trip | 204,000 | — | first | — |
| JFK to Milan Business Class Round-Trip | 108,000 | — | business | — |
| Hong Kong to Bangkok First Class Round-Trip | 90,000 | — | first | — |
| US East Coast to Dubai First Class One-Way | 163,500 | — | first | — |
| Kuwait/Riyadh to Dubai First Class One-Way | 34,500 | — | first | — |
| MIA to Bogota First Class (via Qantas) | 64,500 | — | first | — |
| TAP Air Portugal US to Lisbon Business RT | 155,000 | — | business | — |
| Korean Air US to Seoul Business RT | 185,000–210,000 | — | business | — |
| Air Mauritius Island Hopping Economy RT | 16,000–28,000 | — | economy | — |
| Japan Airlines Tokyo to Hawaii Business One-Way | 77,500 | — | business | — |
| South Korea Domestic Economy One-Way | 8,000–10,000 | — | economy | — |
| US to Seychelles First Class Round-Trip | 327,000–372,000 | — | first | — |
No. Emirates is not a member of any major airline alliance (Star Alliance, oneworld, SkyTeam). However, it has individual partnerships with airlines including Air Canada, Japan Airlines, Korean Air, Qantas, and others.
The main options are: (1) Book directly with Emirates Skywards miles (requires elite status), (2) Book via Qantas Frequent Flyer using their distance-based chart, (3) Book via Air Canada Aeroplan (dynamic pricing, often expensive), or (4) Book Emirates business class and upgrade to first with Skywards miles at check-in.
Silver requires 25,000 tier miles or 25 flights. Gold requires 50,000 tier miles or 50 flights. Platinum requires 150,000 tier miles plus one qualifying flight in first or business class. Alternatively, the Emirates co-branded Barclays credit cards grant Silver or Gold status.
Yes, Emirates allows you to create a family account of up to 8 members and credit 100% of reward miles earned to the shared account.
