Skip to main content
CardCurator — Rewards Intelligence
Card Comparison

Emirates Skywards Rewards World Elite Mastercard vs United Club Business

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Emirates Skywards Rewards World Elite Mastercard card art
Emirates Skywards
Emirates Skywards Rewards World Elite Mastercard
Barclays
More Info
United Club Business card art
United MileagePlus
United Club Business
Chase
More Info
Annual Fee
$99/yr
$695/yr
Foreign Fees
None
None
Signup Bonus
40,000 points
Spend $3,000 in 3 months
8,000 points
Spend $5,000 in 3 months
Top Earn Rates
  • Emirates Purchases 3x
  • eligible travel purchases 2x
  • All Other Purchases 1x
  • United Purchases 4x
  • Dining 2x
  • Hotel Stays 2x
Reward Type
miles
miles
Key Credits
None
  • Global Entry/TSA PreCheck Credit $120
  • IHG Rewards Credit $120
Card Perks
None listed
  • United Club Membership
  • Free First and Second Checked Bags
  • Premier Access
  • +1 more
Spend Milestones
  • Emirates Silver tier membership
    After $20,000 spend
No milestones
Transfer Partners
No transfer partners
No transfer partners
Open full comparison tool Compare more cards

Common Questions: Emirates Skywards Rewards World Elite Mastercard vs United Club Business

Is the Emirates Skywards Rewards World Elite Mastercard or United Club Business better for dining?

Emirates Skywards Rewards World Elite Mastercard has no dining bonus; United Club Business earns 2x on dining.

Which has the higher signup bonus in 2026?

Emirates Skywards Rewards World Elite Mastercard currently offers 40,000 pts signup bonus (spend $3,000 in 3 months). United Club Business offers 8,000 pts signup bonus (spend $5,000 in 3 months). Emirates Skywards Rewards World Elite Mastercard has the larger bonus.

Which card is better for international travel?

Both cards charge no foreign transaction fees, making either a solid choice for international travel.

Can I hold both the Emirates Skywards Rewards World Elite Mastercard and the United Club Business?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Emirates Skywards Rewards World Elite Mastercard is from Barclays and United Club Business is from Chase, so they're governed by separate bank policies.