Bank of America Travel Rewards credit card vs. Barclaycard Arrival Plus World Elite Mastercard | finder.com

Bank of America® Travel Rewards credit card vs. Barclaycard Arrival® Plus World Elite Mastercard®

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Both offer great flat rewards, but one will cost you more.

The Bank of America® Travel Rewards credit card and Barclaycard Arrival® Plus World Elite Mastercard® are two of the best travel products on the market. Consider them if you want flat rewards. To narrow down your options, think about whether you want to pay an annual fee and what kind of signup bonus you want.

Our pick: Barclaycard Arrival® Plus World Elite Mastercard®

  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2x miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don’t expire as long as your account is open, active and in good standing
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Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

Barclaycard Arrival® Plus World Elite Mastercard®

Barclaycard Arrival® Plus World Elite Mastercard®

finder.com's rating
finder.com's rating

★★★★★

3.0 / 5.0

★★★★★

3.9 / 5.0
Best for
Best for
  • No-annual-fee travel rewards
  • Strong signup bonus and miles on all purchases
Welcome offer
Welcome offer Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
Rewards
Rewards

Earn 1.5 points on all purchases

Earn 2x miles on all purchases

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 12 statement closing dates, and then 16.99% to 24.99% variable

18.24%, 22.24% or 25.24% variable

Annual fee
Annual fee $0 $0 the first year, then $89
Balance transfers
Balance transfers

APR: intro APR for 12 months, then 16.99% to 24.99% variable

Fee: $10 or 3% of the transaction, whichever is greater

APR: 0% intro APR for 12 billing cycles, then 18.24%, 22.24% or 25.24% variable

Fee: $5 or 3% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 19.99% to 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 27.49% variable

Fee: $10 or 5% of the transaction, whichever is greater

Late payment fee
Late payment fee $38 $37
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $1.50 $0.50
Minimum credit score
Minimum credit score 670 720
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
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Which card should you choose?

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • 25,000-point signup bonus
  • 1.5x points on all spending
  • No annual fee

The Bank of America® Travel Rewards credit card has a smaller signup bonus and lower rewards rate than the Barclaycard Arrival® Plus World Elite Mastercard®. However, it doesn’t have an annual fee. It’s one of the best options on the market for simple travel rewards.

Barclaycard Arrival® Plus World Elite Mastercard®

Barclaycard Arrival® Plus World Elite Mastercard®

  • 70,000 mile signup bonus
  • 2x miles on all spending
  • 5% miles back when redeeming

The Barclaycard Arrival® Plus World Elite Mastercard® offers a better signup bonus and higher rewards rate than its counterpart, but it has an $89 annual fee after the first year. If you think you’ll earn enough rewards to offset the annual fee, this card could be an excellent choice.

What’s next?

Both cards are topnotch choices for flat travel rewards. Consider whether you want to pay an annual fee, and you’ll have a better idea of which product to pick.

If you’re not convinced about either card, there are many other travel cards to compare below.

Name Product Welcome Offer Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
1x points
17.99% to 24.99% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
Earn 50,000 bonus points after spending $4,000 on purchases in the first 3 months from account opening - that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
1x points
17.99% to 24.99% variable
$450
Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months.
30,000 bonus miles after spending $1,000 in purchases on your new card in your first 3 months and a $50 statement credit after you make a Delta purchase with your new card within your first 3 months.
1x miles
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
30,000 bonus miles after you use your new card to make $1,000 on purchases within the first 3 months. Rates & Fees
75,000 Hilton Honors Bonus Points with the Hilton Honors American Express Card after you use your new card to make $1,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$0
Earn 75,000 Hilton Honors™ Bonus Points after you spend $1,000 in purchases on the card within your first 3 months of card membership. Rates & Fees
35,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1x points
See Rates & Fees
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
2x miles
18.24%, 22.24% or 25.24% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days.
60,000 Membership Rewards® points after you use your new card to make $5,000 in purchases in your first 3 months.
1x points
None (Charge Card)
$550
Get 5x Membership Rewards® points on flights booked directly with airlines or with American Express Travel and 5x points on eligible hotels booked on amextravel.com. Rates & Fees
125,000 Hilton Honors Bonus Points with the Hilton Honors American Express Ascend Card after you use your new card to make $2,000 in eligible purchases within the first 3 months of card membership.
3x points
17.99% to 26.99% variable
$95
Earn 125,000 Hilton Honors™ Bonus Points after you spend $2,000 or more in purchases with your new card within the first 3 months of card membership. Rates & Fees
10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months.
1x miles
17.99% to 26.99% variable
$0
Earn 10,000 bonus miles after spending $500 in purchases on your new card in your first 3 months of card membership. Rates & Fees
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months.
2x points
17.99% to 26.99% variable
$0 annual fee for the first year ($95 thereafter)
75,000 bonus points after you use your new card to make $3,000 in purchases within the first 3 months from account opening. Rates & Fees
1x points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1x points
16.99% variable
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2x points
16.99% variable
$995
Earn 2x points when redeemed for airfare through the Luxury rewards program.

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Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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