Credit Cards » Compare Credit Cards » Amex Platinum Card vs. Emirates Skywards Premium World Elite Mastercard: How They Compare?
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Amex Platinum Card vs. Emirates Skywards Premium World Elite Mastercard: How They Compare?

The Amex Platinum card is a clear winner as it offers much higher annual cashback value, luxury travel perks, and various travel protections.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: January 1, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

The Emirates Skywards Premium World Elite Mastercard and The Platinum Card® from American Express are both prestigious credit cards catering to a high-end clientele, yet they differ in several key aspects. Let's compare them side by side.

General Comparison

The Emirates Skywards Premium World Elite Mastercard primarily appeals to frequent travelers with a penchant for luxury. Geared towards Emirates Airlines loyalists, it offers an array of travel-centric perks such as complimentary lounge access, priority boarding, and bonus Skywards Miles for Emirates flights.

On the other hand, the Amex Platinum Card positions itself as a versatile luxury card with broader appeal. Its benefits extend beyond travel, encompassing exclusive access to the American Express Global Lounge Collection, statement credits for select purchases, elite hotel status, and concierge services.

Here's a comparison of the card's main features:

amex platinum

Emirates Skywards Premium World Elite Mastercard® review

The Amex Platinum Card
Emirates Skywards Premium World Elite Mastercard
Annual Fee
$499
Rewards
5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases.
3X miles per dollar on eligible Emirates purchases, 2X miles for travel purchases and 1X mile for all other purchases
Welcome bonus
80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership.
40,000 bonus Skywards Miles after spending $3,000 on purchases in the first 90 days
0% Intro APR
None
N/A
Foreign Transaction Fee
$0
Purchase APR
21.24% – 29.24% APR Variable
20.74% – 29.74%
Read Review
Read Review
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Compare Rewards: Which Card Gives More?

The Amex Platinum card is a clear winner when we compare rewards for the same spend. The Emirates points rewards ratio is less attractive in all categories, not to mention the variety of redemption options cardholders can get with the Platinum card.

amex platinum

Emirates Skywards Premium World Elite Mastercard® review

Spend Per Category
The Platinum Card
Emirates Skywards Premium World Elite Mastercard
$10,000 – U.S Supermarkets
10,000 points
10,000 miles
$5,000 – Restaurants
5,000 points
5,000 miles
$6,000 – Hotels
30,000 points
12,000 miles
$8,000 – Airline
40,000 points
24,000 miles
$4,000 – Gas
4,000 points
4,000 miles
Total Points
89,000 points
55,000 miles
Estimated Redemption Value
1 point ~ 0.6 – 1.6 cents
1 point = ~1.1 cents
Estimated Annual Value
$534 – $1,424
$605
Amex Platinum transfer to airline
(Screenshot from Amex app)

Travel And Airline Benefits: Comparison

When it comes to extra travel perks and benefits, the Amex Platinum card is the clear winner. It offers a variety of high-value statement credits, Marriot Bonvoy Gold Elite, and many other extra perks.

The Emirates card  offers Gold Tier membership only for the first year, and it can be retained only by spending $40,000. The rest of the benefits are good, but less worth compare to what cardholders can get with the Platinum card.

The Amex Platinum Card

amex platinum

  • Marriott Bonvoy Gold Elite Status: Cardholders are eligible for complimentary enrollment in Marriott Bonvoy Gold Elite status, providing access to a range of exclusive hotel perks and benefits.
  • Priority Pass: Platinum Card members receive a complimentary Priority Pass Select membership, granting access to over 1,400 lounges worldwide (excluding Priority Pass restaurant lounges).
  • Dedicated Service Team: Access a 24/7 customer service team for swift issue resolution and assistance.
American Express phone support
(Screenshot from American Express app)
  • Up to $200 Uber Cash: Enjoy up to $200 in Uber Cash, along with Uber VIP status for top-rated drivers, without the need to meet minimum ride requirements.
  • Up to $100 Fee Credit for Global Entry or TSA PreCheck®: The Platinum card offers this reimbursement, one credit for every four years.
  • Preferred Seating: Experience preferred seating at sporting and cultural events, subject to availability.
  • $100 Experience Credit: Receive a $100 experience credit when booking The Hotel Collection through American Express Travel for stays of at least two nights.
  • Extra Cards: Add supplementary cards to your account at no additional cost, allowing others to earn rewards on their purchases.
  • Signature Perks at Upscale Hotels: Enjoy exclusive signature perks at upscale hotels within the Amex Hotel Collection when booking through American Express Travel.
  • Up to $200 Hotel Credits: Receive up to $200 in hotel credits annually (Fine Hotels + Resorts or The Hotel Collection) when staying for a minimum of two nights through American Express Travel.
  • Up to $240 Digital Entertainment Credit: Obtain up to $240 per year (or $20 per month) in statement credits for subscriptions to The New York Times, Peacock, or SiriusXM when using your card for payment.
  • Up to $155 Walmart+ Credit: Cardholders can receive up to $155 in Walmart+ credits by utilizing their card for monthly Walmart+ membership payments.
  • Up to $200 Airline Fee Credit: Benefit from up to $200 in airline fee credits per year when charging incidental travel fees from selected airlines to your card.
Amex Platinum book flight
(Screenshot taken by our team from Amex app)
  • Equinox Membership Credit: Receive up to $300 in statement credit for eligible Equinox memberships when enrolling and paying with your card, subject to auto-renewal.
  • CLEAR® Plus Membership Credit: Get up to $189 back per year when using your card to pay for a CLEAR® Plus membership.

Terms apply to American Express benefits and offers.

Emirates Skywards Premium World Elite

Emirates Skywards Premium World Elite Mastercard® review

  • Emirates Gold Tier Membership: during your first year, and retain your tier status by spending $40,000 each cardmembership year. These include:
    • Higher excess baggage allowance
    • Priority customer service
    • Guaranteed economy class seats even on full flights
    • Complimentary access to Emirates Business Class lounges in Dubai and across the Emirates network for the cardholder and a guest.
    • 50% bonus on miles earned through flights on Emirates or Flydubai.
  • Global Entry or TSA PreCheck Application Fee Credit: Enjoy an automatic statement credit covering one application fee every five years, up to $100.
  • 25% Savings on Buying or Gifting Miles: Benefit from a 25% discount when purchasing or gifting Skywards Miles.
  • Priority Pass™ Select Lounge Access: Gain unlimited access to over 1,200 lounges globally for both the primary cardmember and their guest(s).
  • World Elite Concierge: Access a complimentary 24/7 concierge service.
  • Elite Rental Car Status: Receive elite status with Avis, Sixt, and National Car Rental.
  • Mastercard Luxury Hotels and Resorts: Enjoy perks such as upgrades, amenity credits, and complimentary breakfast at over 3,000 properties in Mastercard's Luxury Hotels and Resorts portfolio.
  • Mastercard Priceless: Gain access to unique experiences and events, including PGA TOUR access in more than 40 cities worldwide.
  • Peacock Premium Discounts: Save $3 on Peacock Premium or $5 on Peacock Premium Plus monthly subscription using your World Elite Mastercard.
  • Instacart Benefits: Enjoy fast grocery delivery within an hour with Instacart, plus receive 2 free months of Instacart+ for free delivery and a $10 monthly discount on your second order.
  • Lyft Rewards: Take 3 Lyft rides in a month and receive a $5 credit each month towards your next ride, adding an adventurous touch to your travels.
  • ShopRunner Membership: Unlock the convenience of free 2-day shipping and returns at top stores like Under Armour and Bloomingdale’s with a complimentary ShopRunner membership

Travel Insurance And Protections: Comparison

Overall, the Amex Platinum card coverage is much better than the Emirates Skywards Premium card. Here are the common protections for both cards:

  • $0 Liability On Unauthorized Charges: ensuring you are not held responsible for charges you did not authorize.

  • Cell Phone Protection: This embedded benefit provides reimbursement for repair or replacement costs after cell phone damage or theft.

However, there is a protection that is available only for the Amex Platinum card:

  • Car Rental Loss and Damage Insurance: When you reserve and pay for a rental vehicle with your Card, declining the rental counter's collision damage waiver, you can be protected against damage or theft in specific regions, subject to certain exclusions and limitations

  • Trip Delay Insurance: If your trip faces a delay of more than 6 hours due to a covered reason and you paid for the round-trip with your Eligible Card.

  • Baggage Insurance Plan: When you purchase a common carrier vehicle ticket with your Eligible Card, you can receive coverage for lost, damaged, or stolen baggage.

  • Trip Cancellation and Interruption Insurance: Buying a round-trip with your s Card can provide assistance in the event of trip cancellation or interruption, following the specified terms and conditions.

  • Purchase Protection: Eligible purchases made with your card can be protected for up to 90 days from the purchase date, offering coverage for theft, accidental damage, or loss.
  • Extended Warranty: When you use your  card for eligible purchases, you can receive an extra year of warranty coverage for warranties lasting 5 years or less in the United States or its territories.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
70,000 miles 90,000 bonus miles after you spend $5,000 on purchases in the first 3 months your account is open
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
90,000 miles 90,000 Bonus Miles after you spend $4,000 in purchases on your new Card in your first 6 months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

When You Might Prefer The Amex Platinum Card?

You might prefer the Amex Platinum card because it offers:

  • Better Points Rewards Ratio: According to our analysis we can see that the Amex Platinum provides a superior value compared to Emirates Skywards Premium World Elite Mastercard.
  • Better Travel Insurance And Protections: Amex Platinum provides comprehensive travel insurance and protections, including trip cancellation/interruption coverage and primary rental car insurance, surpassing the coverage offered by Emirates Skywards Premium World Elite Mastercard.
  • Better Extra Travel Perks: Amex Platinum presents a broader range of extra travel perks, such as complimentary airport lounge access, Global Entry/TSA PreCheck fee credit and various statement credits, offering a more extensive set of benefits compared to the Emirates card.
  • Better Redemption Options: Amex Platinum provides more versatile redemption options through the Amex membership portal, allowing cardholders to use points for various travel-related expenses, while Emirates Skywards Premium World Elite Mastercard is more limited in its redemption scope, primarily tied to Emirates Airlines.
Amex Platinum transfer airline and hotels
(Screenshot from Amex app)

When You Might Prefer The Emirates Premium Card?

You might prefer Emirates Premium Card if:

  • Dedicated Emirates Traveler: If you are a loyal Emirates Airlines traveler, the Emirates Skywards Premium World Elite Mastercard is preferable, offering specialized benefits such as bonus Skywards Miles for Emirates flights, priority boarding, and complimentary lounge access specific to the airline.

  • Lower annual fee: The Emirates Skywards Premium World Elite Mastercard has a lower annual fee ($499) compared to Chase Sapphire Reserve Card ($695). If you're looking for a premium travel rewards card with a more affordable annual fee, the Emirates card could be a better fit.

Compare The Alternatives

If you're looking for a premium travel credit card with airline rewards – there are some good alternatives you may want to consider:

Venture X Rewards

Delta SkyMiles® Reserve American Express Card

Capital One Venture X
Chase Sapphire Reserve®
Delta SkyMiles® Reserve American Express
Annual Fee
$395
$550
Rewards
1X – 10X 10 miles per dollar on hotels and rental cars when booking via Capital One Travel, 5 miles per dollar on flights and 2 miles per dollar on all eligible purchases
1X – 10X 5X total points on air travel and 10X total points on hotels, car rentals when you purchase through Chase Ultimate Rewards®, immediately after earning your $300 annual travel credit. Also, earn 3x points on dining at restaurants and travel (after meeting the $300 travel credit), then 1x points per dollar spent on all other purchases
1X – 3X 3X miles per dollar on eligible Delta flights and Delta Vacations® with 1X miles on all other purchases
Welcome bonus
75,000 miles 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
100,000 miles 100,000 Bonus Miles after you spend $6,000 in purchases on your new Card in your first 6 months
Foreign Transaction Fee
$0
$0
$0
Purchase APR
19.99% – 29.99% (Variable)
22.24%–29.24% variable APR
20.99%-29.99% Variable

Compare American Express Platinum Card

If you're looking for everyday spending rewards, the Amex Gold Card offers more. But for travel rewards benefits, there is a clear winner.

American Express Gold Card vs. American Express Platinum

When it comes to premium travel rewards, both may be the best cards in the market. But who is the winner between the two? Here's our analysis.

American Express Platinum vs Chase Sapphire Reserve: Which Luxury Card Is Best?

The Infinite Card is tailored for frequent United flyers, while the Amex Platinum offers a more lucrative, comprehensive rewards program.

United Club Infinite vs Amex Platinum: Which Is Better?

While the Amex Platinum offers extensive travel perks and redemption options, the Marriott Brilliant Card has better hotel-specific perks.

Amex Platinum Card vs. Marriott Bonvoy Brilliant Car

While the Amex Platinum Card offers extensive travel perks and redemption options, the Delta Reserve Card has better airline-specific perks.

Amex Platinum Card vs. Delta SkyMiles Reserve: Which Luxury Card Is Best?

The Amex Platinum wins when it comes to redemption options and protections, but the Venture X is cheaper and offers great travel benefits.

Amex Platinum Card vs. Capital One Venture X: Which Luxury Card Is Best?

The Hilton Aspire is surprising with its higher estimated annual cashback value, but the Platinum card wins at premium travel perks.

Amex Platinum Card vs. Hilton Amex Aspire: Side By Side Comparison

If you need premium travel perks and versatility – the Amex Platinum wins. Need airline benefits and lower fees? Consider the Delta Platinum.

Amex Platinum Card vs. Delta SkyMiles Platinum: Which Luxury Card Is Best?

The AAdvantage Executive card offers higher cashback value, but when it comes to premium travel perks, the Amex Platinum is the winner.

Citi/AAdvantage Executive World Elite vs. Amex Platinum Card

The Amex Platinum is our winner due to its higher annual cashback value, redemption options, and better luxury perks than the Altitude Reserve.

U.S. Bank Altitude Reserve Visa Infinite vs. Amex Platinum Card: How They Compare?

Compare Emirates Premium World Elite Mastercard

The Chase Sapphire Reserve card stands out as the superior choice, delivering greater annual cashback value and luxurious travel benefits

Chase Sapphire Reserve vs. Emirates Skywards Premium World Elite Mastercard

Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.

Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.