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39

Emirates Skywards Premium World Elite Mastercard

Barclays Bank Delaware

Top-25 issuerNationalVariable · PrimeCredit score 620–719Credit score 720+
Purchase APR
19.49–29.99%
Annual fee
$499
0% intro
None
0% transfer
12 mo
Foreign fee
None
Grace period
23 days

Purchase APR by credit tier

Median rate the issuer reported for each tier

No score
—
≤619
—
620–719
29.99%
720+
25.74%
Lowest offered19.49%
Median25.24%
Highest offered29.99%

Balance transfer APR

Promotional window: 12 months · grace period retained on purchases

The transfer rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered0%
Median0%
Highest offered0%

Cash advance APR

The cash advance rate was not broken out by credit tier — the issuer reported a single range.

Lowest offered29.74%
Median29.87%
Highest offered29.99%

Every fee on this card

Annual fee$499
Balance transfer feegreater of 5% or $5
Cash advance feegreater of 5% or $10
Foreign transaction feeNone
Purchase transaction feeNone
Late fee$29
Repeat late fee (6 mo)$40
Over-limit feeNone
Minimum finance charge$0.50
Balance computationOther
Additional fees
Returned payment fee$40

Rewards, benefits and features

Rewards
  • Travel-related rewards
  • Other rewards
Services
  • Access to Free Credit Scores
  • Automobile rental insurance
  • Other
Features
  • Contactless Payments
  • Chip card
  • Fee-free foreign transactions
  • Mobile wallet provisioning (for example, Apple Pay)
  • Other

Issuer note: Other Rewards (Emirates Gold tier membership, Global Entry or TSA PreCheck application fee credit, 25% savings when buying or gifting Miles)

Who can get this card

AvailabilityNational
Membership requirementsOpen to the public
Phone866-603-7217
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 0.00%$0
You save$350

Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.24% afterwards.

Cost to carry a balance
Interest for a year at 25.24%$757.20
Annual / periodic fees$499
Total yearly cost$1,256.20

Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.

Cardholder agreements

9 documents filed by Barclays Bank Delaware in the 2026 Q1 archive.

All 9 agreements

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