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Card Comparison

Emirates Skywards Rewards World Elite Mastercard vs Wells Fargo Reflect

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
Wells Fargo Reflect card art
Wells Fargo Cash Rewards
Wells Fargo Reflect
Wells Fargo
More Info
Annual Fee
$99/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
40,000 points
Spend $3,000 in 3 months
None
Top Earn Rates
  • Emirates Purchases 3x
  • eligible travel purchases 2x
  • All Other Purchases 1x
1x base rate
Reward Type
miles
cashback
Key Credits
None
None
Spend Milestones
  • Emirates Silver tier membership
    After $20,000 spend
No milestones
Transfer Partners
No transfer partners
Cash back only
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Common Questions: Emirates Skywards Rewards World Elite Mastercard vs Wells Fargo Reflect

Is the Emirates Skywards Rewards World Elite Mastercard or Wells Fargo Reflect better for dining?

Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.

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). Wells Fargo Reflect offers no current bonus. Emirates Skywards Rewards World Elite Mastercard has the larger bonus.

Which card is better for international travel?

Emirates Skywards Rewards World Elite Mastercard charges no foreign transaction fees — the better pick for international use. Wells Fargo Reflect charges 3% on foreign purchases.

Can I hold both the Emirates Skywards Rewards World Elite Mastercard and the Wells Fargo Reflect?

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 Wells Fargo Reflect is from Wells Fargo, so they're governed by separate bank policies.