Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
3x
Travel
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
How the points work
Earn 3X Skywards Miles on Emirates purchases
Earn 2X Skywards Miles on eligible travel purchases
Earn 1X Skywards Miles on all other purchases
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseEmirates3×
- Everything elseAirfare2×
- TravelHotels2×
- Everything elseCar rentals2×
- Everything elseAll Purchases1×
Welcome offer
50,000 points
- Est. value: $500 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Global Entry$100/yr
Get one $100 statement credit for Global Entry or one $85 statement credit for TSA Pre-Check every 4 years.
Benefits
- Emirates Gold w/spend
Spend $40,000 in an anniverery year to earn Emirates Gold tier membership.
- Emirates Gold
Emirates Gold tier membership earned after spending $40,000 in an anniversary year.
- Priority Pass$32/yr
Recieve Priority Pass Select, granting you access to a global network of 1300+ airport lounges for you and up to two guests.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $499 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.