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Emirates credit cards

Since the demise of MBNA’s Skywards cards, it’s no longer possible to get your hands on a dedicated Skywards credit card in the UK. But you can still earn points that are transferable for miles to enjoy premium travel benefits and discounts.

If you’re a frequent flyer with Emirates or any of the airline’s partners, a credit card that earns Skywards Miles could help you get reward flights and upgrades faster. As well as earning points for your everyday spending, some cards offer you other travel benefits such as airport lounge access and complimentary insurance. Depending on the card you choose, you could also enjoy a lump sum of welcome bonus points as a new cardholder.

The good news is that you can convert American Express Membership Rewards points into Skywards Miles, at a ratio of one Membership Rewards point to one Skywards point. You can connect your Amex account to your Skywards account, or call Amex and ask them to do it for you. You’ll need to transfer in multiples of 500 points, and the minimum you can transfer is 1,000 points.

American Express Preferred Rewards Gold Credit Card

American Express Preferred Rewards Gold Credit Card

  • 10,000 bonus Membership Rewards points when you spend £3,000 in your first three months.
  • Earn points for every pound you spend, to redeem with a range of shopping, travel and lifestyle partners.
  • Travel benefits including airport lounge access, and hotel room or car rental upgrades.

Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).

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Compare “indirect-earn” Emirates Skywards credit cards

Comparison ordered by representative APR with affiliated products shown first.
Updated July 22nd, 2019
Name Product Max. intro bonus Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
2,500 points
1 point per £1 spent
£0
9.9% p.a. (variable)
Earn 2,500 bonus Membership Rewards points when you spend £1,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 9.9% (variable) p.a., your representative rate is 9.9% APR (variable).
N/A
1 point per £1 spent
£0
22.9% p.a. (variable)
Earn 1 Membership Rewards® point for every £1 spent.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
5,000 points
1 point per £1 spent
£0
22.9% p.a. (variable)
Earn 5,000 bonus Membership Rewards points when you spend £2,000 in your first 3 months, and 1 point for virtually every £1 spent thereafter.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
10,000 points
1 point per £1 spent
Year 1 - £0, Year 2 onwards - £140 per annum
57.6% p.a. (variable)
Earn 1 point for virtually every £1 spent. 2 points per £1 spent directly with airlines or in a foreign currency or 3 points for every £1 spent through American Express Travel. Earn 10,000 bonus points when you spend £3,000 in your first 3 months. Spend £15,000 or more during the year and earn 10,000 bonus points each year the card is renewed. Earn 6,000 points per friend/family member that successfully applies for the card or 12,000 points if they spend £3,000 in their first 3 months. Two complimentary lounge visits per year, available at over 500 airport lounges worldwide.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of Year 1 - £0, Year 2 onwards - £140 per annum, your representative rate is 57.6% APR (variable).
30,000 points
1 point per £1 spent
£575 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Additional 30,000 points earned when you spend £4K within first three months of Cardmembership. Earn 1 additional point for virtually every £1 spent at American Express Travel Online. Rewards points can be used as currency to buy flights and package holidays through Platinum Service. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays. Cardmember can pay card fee (£575) using Membership Rewards® points at renewal. Earn 12,000 bonus points per friend/family that uses Referral Programme and successfully applies for a card and spends £4K within first 3 months of Cardmembership.
N/A
1 point per £1 spent
£60 per annum
N/A (this product is a charge card).
1 point earned for virtually every £1 spent. Rewards points can be used as currency to buy flights and package holidays through American Express Travel. Reward points can also be redeemed for a wide range of products, experiences, travel and hotel stays.

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Approval for any credit card will depend on your status. The APR shown represents the interest rate offered to most successful applicants. Depending on your personal circumstances the APR you're offered may be higher, or you may not be offered credit at all. Fees and rates are subject to change without notice. It's always wise to check the terms of any deal before you borrow.

How to compare Emirates credit cards

Weigh up the following features when you compare Emirates credit cards so that you can find one that’s right for you:

  • Sign-up offers. Introductory benefits such as a lump sum of bonus points, an enhanced earn-rate, 0% interest periods or reduced annual fees for the first year add value to the card when you first get it. But it’s important to also consider the ongoing features if you’re planning to use the card beyond that promotional period.
  • Earn rate. Look at the number of points per £1 spent and your average spending to help you work out the value of a card. Remember to also consider the conversion rate if you’re looking at cards that let you transfer rewards points to Skywards Miles.
  • Interest rate. Pay attention to the rate of interest charged for purchases if you think you’ll carry a balance on your credit card because interest fees can easily outweigh the value of rewards. If you habitually pay off your monthly balances, interest rates may not be such a major factor.
  • Annual fee. The annual fees for rewards cards differ quite wildly from card to card. Make sure that these costs don’t outweigh the value you get from your rewards by considering your average spending and the number of points/miles that will give you each month and year.
  • Other benefits. Depending on the card you choose, you could get access to perks including complimentary insurance, airport lounge access, travel credit and personal concierge services. While these extras can add value to the card, make sure you consider whether or not you’ll use them to decide if they’re worth it for you.
  • Other costs. If you plan to use your credit card overseas, be aware that foreign transaction fees usually apply (they’re typically around 3%). Other potential costs include cash advance fees (that’s when you withdraw cash using a credit card, which is generally best avoided).

What are the alternative options for frequent flyers?

Looking for a new frequent flyer programme? British Airways offers cards that earn Avios directly, and Virgin Atlantic cards earn Virgin Flying Club miles.

Updated July 22nd, 2019
Name Product Max. intro bonus Earn-rate with brand Default earn-rate Annual/monthly fees Rep. APR Incentive Representative example
5,000 points
1 point per £1 spent
1 point per £1 spent
£0
22.9% p.a. (variable)
5,000 Avios when you spend £1,000 within 3 months of account opening. Earn 1 Avios for virtually every £1 spent. Spend £20K in 12 months and get 2 for 1 travel when redeeming Avios for a BA reward flight. Earn up to 90,000 bonus Avios points per calendar year, 4,000 points per friend/family member that successfully applies for an American Express card (Excl. Basic card) and uses the Referral Programme.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
25,000 points
3 points per £1 spent
1.5 points per £1 spent
£195 per annum
76% p.a. (variable)
25,000 Avios when you spend £3K within 3 months of account opening. Earn 3 Avios for virtually every £1 spent directly with BA, and 1.5 Avios for virtually every £1 spent everywhere else. Spend £10K in 12 months to redeem the Avios for a companion ticket on a BA flight. Earn up to 90,000 bonus Avios points per calendar year, 9,000 points per friends/family that uses Referral Programme and successfully apply for an American Express card (Excl. Basic card).
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £195 per annum, your representative rate is 76% APR (variable).
5,000 points
1.5 points per £1 spent
1 point per £1.33 spent
£0
22.9% p.a. (variable)
Earn 5,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 0.75 Flying Club miles for every £1 spend. Spend £20K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a., your representative rate is 22.9% APR (variable).
15,000 points
3 points per £1 spent
1.5 points per £1 spent
£160 per annum
63.9% p.a. (variable)
Earn 15,000 bonus miles with your first card purchase made within 90 days of account opening. Earn 1.5 Flying Club miles for every £1 spend. Spend £10K a year on your card and choose an extra benefit - an upgrade to premium, or a Companion ticket. Double miles when you spend directly with Virgin Atlantic and Virgin Holidays through the contact centre and online.
Representative example: When you spend £1,200 at a purchase rate of 22.9% (variable) p.a. with a fee of £160 per annum, your representative rate is 63.9% APR (variable).

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How to apply for an Emirates credit card

You can apply for any of the cards featured on this page online in around 15 minutes. Once you’ve chosen your card, be sure to use the issuer’s “eligibility checker” facility to find out if your application would stand a decent chance of getting approved. You can also check if you meet the eligibility criteria, which usually include:

  • Age. You’ll need to be at least 18 years old.
  • Residency status. You must be a UK resident to apply.
  • Income. Some credit cards require you to earn a specific amount of money before you’re eligible to apply. Be sure to check the “application requirements” for these details.

Frequently asked questions about Emirates credit cards

*Disclaimer: The offers compared on this page are chosen from a range of products whose details Finder has access to track; they don't represent all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The terms "best", "top", "cheap" (and variations) are not product ratings and are subject to our terms of use. You should consider seeking independent financial advice and consider your personal financial circumstances when comparing products.

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