Gabe Douek

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Barclaycard Arrival Plus: Quick Facts

  • 70,000 bonus miles after spending $5,000 in the first three months
  • 2x miles on every purchase
  • No limits on rewards
  • 5% miles back everytime you redeem
  • Annual fee of $89 after first year
  • No foreign transaction fee
  • Purchase APR 18.24%, 22.24%, or 25.24%
  • 0% introductory APR for 12 months on balance transfers made within 45 days of the account opening

Pros & Cons


  • Good sign-up bonus
  • High rewards rate
  • No foreign transaction fees
  • 0% introductory APR on balance transfers


  • Annual fee
  • No introductory APR on purchases
  • Minimum rewards redemption required
  • Poor cash back redemption options

Full Review 

The Barclaycard Arrival Plus World Elite Mastercard is a no-nonsense, high rewards-earning credit card that’s great for travelers domestic and abroad.

The card comes with a great sign-up bonus, easy-to-earn points, and no limit on the points you can earn. When it comes to using rewards, the Barclaycard Arrival Plus World Elite Mastercard makes that easy, too. For a card with such high reward earning potential, it’s surprising how simple redemption can be. To top it off, the card is widely accepted abroad and does not charge foreign transaction fees. 

The Barclaycard Arrival Plus World Elite Mastercard does come with an annual fee of $89, which can easily be made up for by strategic spenders. However, applicants should be aware that this is not a card that prioritizes cash back redemption. The best use for points is for travel credit.

So if you aren’t much of a traveler, the Barclaycard Arrival Plus World Elite Mastercard isn’t a great return on investment. In addition, you should always analyze your spending habits before applying for a new credit card. This card is great for big spenders, but those who don’t want to put much on the card may be wasting $89 in annual fees after the first introductory year.

Barclaycard Arrival Plus: Basics and benefits 

In general, a credit score of 700 or higher is recommended for potential applicants for the Barclaycard Arrival Plus World Elite Mastercard. Some applicants have been approved with a lower score, but 700 is a benchmark to consider before applying.

New cardmembers have the opportunity to earn 70,000 bonus miles if they spend $5,000 on purchases in the first three months of the account being open. After that, rewards are calculated by 2 miles awarded for every $1 spent on all purchases. Miles are worth 1 cent per mile when redeemed for travel credit and 0.5 cents per mile when redeemed for cash back. After redeeming miles, users will get 5% of those miles back to use toward their next redemption.

However, cardholders need at least 10,000 miles to redeem rewards for cashback. For travel, miles can be redeemed for nearly any travel purchase of $100 more. Qualifying travel purchases include airfare, hotels, and cruises. After using the Barclaycard Arrival Plus World Elite Mastercard, users can apply their miles toward the purchase for a statement credit within 120 days of the original purchase.

There is no introductory APR for purchases with the Barclaycard Arrival Plus World Elite Mastercard. Variable APR for purchases is 18.24%, 22.24%, or 25.24% based on creditworthiness. There is a 0% APR introductory period on balance transfers for 12 billing cycles as long as the transfer posts to the account within 45 days of the account opening. Ongoing APR for balance transfers is the same for purchases. 

As for fees, the Barclaycard Arrival Plus World Elite Mastercard waives the first year’s annual fee, with an $89 annual fee for the following years. The card does not charge foreign transaction fees. Balance transfers are fees of $5 or 3% of the transfer amount, whichever amount is greater. Cardholders can take advantage of the Chip-and-Pin capabilities with the card, too.


All in all, the best features of the Barclaycard Arrival Plus World Elite Mastercard include its flat-rate rewards and redemption flexibility. The card makes it easy by allowing users to earn 2 miles on every single purchase. This can take the thought and frustration out of making sure you’re earning the highest rewards possible every quarter. In addition, there’s no limit on the number of miles you can earn. When it comes to redeeming miles, the card does require a $100 minimum. However, anyone who’s ever planned a vacation knows that most airline tickets and hotel stays cost far more than $100, so the minimum isn’t a huge issue.

The Barclaycard Arrival Plus World Elite Mastercard also shines because its definition of travel purchase is quite broad. The card allows users to be reimbursed for travel purchases by using their points as long as they charge the travel purchase to the card. Most travel cards require travel credits to be redeemed through exclusive portals or partners, which can limit the reach your miles have. With the Barclaycard Arrival World Plus Elite Mastercard, you won’t have to worry about where your miles can be spent.

Barclaycard Arrival Plus: Pitfalls and other possibilities 

The Barclaycard Arrival Plus World Elite Mastercard isn’t the best choice for every spender. You may want to seek another card if you are looking for cash back and no annual fee.

As previously mentioned, miles for cash back reap half the value than those for travel credits. This can be a major deal breaker for spenders who are looking for rewards they can use on anything, not just travel purchases. And, if you end up using miles for cash back, you’re doing yourself a major disservice.

Other cards, such as the Chase Sapphire Preferred Card, offer points which are valued at 1 cent each for cash back and 1.25 cents for travel booked through the Chase Ultimate Rewards portal. Points earned from the Chase Sapphire Preferred Card can be redeemed through major travel loyalty programs at a 1:1 ratio. These partners include Southwest, United, British Airways, Hyatt, Marriott, and more. Though as not as flexible on travel purchases as the Barclaycard Arrival Plus World Elite Mastercard, the Chase Sapphire Preferred Card does offer decent travel credit redemption. Points redemption, in general, is more flexible with Chase Sapphire Preferred because cardholders have the option to use points for cash back or travel without such a steep difference in points value. The Chase Sapphire Preferred Card waives the first year’s annual fee and charges $95 for years following.

If you aren’t a fan of annual fees, these cards may not be for you. The Barclaycard Arrival Plus World Elite Mastercard’s $89 annual fee after the first year may not be the best for low spenders. If you aren’t putting a lot of money on the card, you aren’t going to be reaping enough rewards to make up for the $89 annual fee. You also won’t be able to capitalize on the sign-up bonus of 70,000 points after spending $5,000, especially given there’s no introductory APR period for purchases. Several other cards offer sign-up bonuses starting at $150 and require less than $5,000 spent in three months. What’s more, many cards also offer 12 months or more 0% APR for purchases, making it much easier to cash in on the sign-up bonus.

Is the Barclaycard Arrival Plus card right for you? 

The Barclaycard Arrival Plus World Elite Mastercard is a great opportunity for travelers who like to spend and reap rewards in the process. The card’s flat rate cash back and easy travel credit redemption options put it in a premier spot when it comes to travel cards. Low spenders who don’t travel should avoid this card, as the real benefits are all in the travel rewards. What’s more, there’s no point in paying an annual fee if you can’t spend enough to make up for it in rewards.

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