Barclaycard Arrival+ Credit Card Review

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From Seek Capital - Best for Miles

Welcome Offer

Earn 70,000 Bonus Miles

Earn 70,000 Bonus Miles after you use your new Card to make $5,000 on purchases in your first 90 days

Earn

2xMiles
On every purchase, earn unlimited 2x miles for every dollar you spend
5%Miles Back
Get 5% miles back every time you redeem, to use on your next redemption
$0Fraud Liability Protection
This card features zero dollar fraud liability protection, meaning you aren't responsible for unauthorized charges
$0Foreign Transaction Fee
No foreign transaction fees when using this card

Barclaycard Arrival Plus® World Elite Mastercard®

If you’re looking for a travel rewards card with a great pedigree and tenure, the Barclaycard Arrival Plus World Elite Mastercard is a great addition to your wallet. The Barclaycard was the first British credit card issued in the United States, and it dates back to 1966. The company is still a leading name in swipeable plastic in Europe, and it’s branched out to offer cards through Visa, American Express and Mastercard. Today, Barclay’s rewards structure is on point, and the Barclaycard Arrival Plus World Elite Mastercard is definitely worth a space in your wallet.

Rewards Highlights

  • No Foreign Transaction Fee
  • 2x Miles on everything you purchase
  • Get 5% back when you redeem

Expert Review

The Pros

  • No Foreign Transaction Fee
  • 2x Miles on everything you purchase
  • Get 5% back when you redeem

The Cons

  • Annual Fee

Recommended Credit Profile

Rates & Fees

  • Annual Fee$89
  • Intro Annual Membership Fee$0
  • Intro Balance Transfer APR0% for 12 months
  • Regular APR17.99% to 24.99%
  • Great ForAirlinesHotelsShopping
  • Regular Purchase APR17.99% to 24.99%
  • Regular Balance Transfer APR17.99% to 24.99%
  • Cash Advance APR27.24%
  • Balance Transfer Fee$5 or 3%
  • Cash Advance Fee$10 or 5%

$400-Value Sign Up Bonus

Just for signing up for this card and putting it to work right away, you get $400 worth of rewards. The sign-up bonus is 40,000 miles as long as you spend $3,000 in the first 90 days. That’s roughly $233 per week, so just swipe your Barclaycard every time you buy groceries, pay for fuel or grab a pizza, and the bonus is yours. Plus, since you get two points on every dollar spent, earning the bonus rewards also means you net 6,000 or more regular points, or about $460 worth of value you can redeem on travel.

Rack Up and Redeem Regular Points

The Barclaycard Arrival Plus World Elite Mastercard rewards you with two mile points for every dollar you spend — no matter where you spend it. I love this card as a daily purchasing solution because points accumulation doesn’t depend on categories or types of spending: simply swipe and smile as the rewards stack up.

Let’s look at some math to see how quick the points pile up. Say you make this your workhorse payment card. You’re going to use it to buy groceries ($200 a week, easy, for a family), fuel up a car or two (let’s say $40 a week conservative) and cover the cost of clothing and other occasional needs (guestimate $100 total in other spending). That’s $340 a week, or 680 points. Add in the sign-up bonus, and we’re talking over 75,000 in rewards points annually — just for doing life how you do it.

Seek Tip: Enjoy gabbing about travel online? Check out the Barclaycard Travel Community, where you can earn even miles for sharing your stories.

Now, what do you do with all those points?

The first option is to redeem them on travel, which converts to a 1 cent per point value. For the example above, you’d get $750 in value you can use to book airfare, cruises, hotels or other travel. The Barclaycard manages travel redemption as a statement credit, which means you book and pay with the Barclaycard and then you log into your account online within 120 days and apply your points to get the credit.

The fine print on travel point redemption: You need at least 10,000 miles to do it, and the purchase has to be $100 or more for the reward credit to work.

The second option for redeeming your miles is simple cash back. Every mile is worth half a cent for cash back purposes, which means those 75,000 miles earned the first year convert to $375 cash back. You need at least 5,000 miles to initial cash back redemption.

An amazing miles-back perk: Okay, here’s the thing I just can’t get over about this card. Your points serve double duty because you get 5 percent miles back every time you redeem them.That means if you redeem 10,000 miles, you get 500 back to use again later. Which of course turns your sign-up bonus from 40,000 miles to 42,000 miles, assuming you redeem them all.

Non-Point Perks of the Barclaycard Arrival Plus World Elite Mastercard

The fun doesn’t stop with all the point perks with this card. As a Barclaycard Arrival Plus World Elite Mastercard holder, you’ll get some extra benefits. Some of our favorites are highlighted below.

  • You get free online FICO credit score and email alerts, so you know when your score takes a hit or gets a boost. We actually think this is something you should expect with any credit card these days, but not all companies offer it.
  • The card comes with Mastercard’s World Elite concierge services, which pretty much functions as a personal assistant to help you plan various travel scenarios. I’ve gotten spoiled with this one, and I wouldn’t travel without it.
  • Booking with the Barclaycard opens doors to luxury travel accommodations and perks, including complimentary breakfasts, discounts on private jet or chauffeur service and deals on cruises.
  • Access to Private Cities events, which lets you attend special events in select cities such as Miami and Chicago.

Fees and ROI: What’s the Bottom Line?

The Barclaycard Arrival Plus World Elite Mastercard comes with an $89 annual fee, but that’s waived the first year, so any rewards you net are clear ROI. Grab the bonus by spending $3,000 the first three months and spend just $340 a week for the year and you get 75,360 in points. What’s that worth?

  • Redeem them all for travel for a value of $753.60 plus 3,768 miles back (or $37.68 toward your next travel redemption). Total value, not counting any other perks: $791.28
  • Redeem them all for cash back for a value of $376.80 plus 3,768 miles back (or $18.84 toward your next cash back redemption). Total value,without other perks: $394.64.

Already, the value on this one is obvious, but let’s add in a few more factors.

First, you get a 0 percent introductory APR for the first 12 months on balance transfers you make within the first 45 days. You will pay a 3 percent transfer fee, but transfer a balance from an existing card with a high interest balance and pay it off within 12 months, and you save money anyway.

Finally, there are no foreign transaction fees with this card. Since the reward structure practically daresyou to book an adventure as soon as you earn the sign-up bonus, this is an important point. Cards with foreign transaction fees charge you each time you swipe overseas, so remember to reach for the Barclaycard Arrival Plus World Elite Mastercard in international checkout lines. You’ll save on the fees and end up with even more mile points.

The Barclaycard Arrival Plus World Elite Mastercard is definitely recommended for traveler wallets, and if you love to splurge on luxuries from time to time, this rewards card lets you do that while earning points and finding great deals.

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