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®

Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.

  • Recommended Credit Score: 720 or higher
  • Bonus sign-up points: 60,000, if you spend $5,000 in the first 90 days
  • Annual fee: $89, waived the first year
  • Purchase APR: 17.99%, 21.99% or 24.99%
  • Intro balance transfer: 17.99%, 21.99% or 24.99% for 12 months
Promoted

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
Welcome offer
Welcome offer An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening Enjoy 60,000 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

17.99%, 21.99% or 24.99% 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 months, then 17.99%, 21.99% or 24.99% 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: 27.24% 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 $1.5 $0.5
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
Learn more

Read review

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®

  • 60,000-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
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.
1 miles
17.74% to 26.74% 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.
3 points
17.74% to 26.74% 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
50,000 Membership Rewards® Points after you spend $2,000 on eligible purchases with your new card within the first 3 months.
1 points
See Rates & Fees
$250
50,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months Rates & Fees
Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days.
2 miles
17.99%, 21.99% or 24.99% variable
$0 annual fee for the first year ($89 thereafter)
Enjoy 60,000 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.
1 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.
3 points
17.74% to 26.74% 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.
1 miles
17.74% to 26.74% 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.
2 points
17.74% to 26.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy a $0 annual fee on the first year and earn up to 2 Starpoints® for every dollar of eligible purchases. Rates & Fees
1 points
16.99% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.99% variable
$495
Mastercard Black Card members receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
2 points
16.99% variable
$995
Earn points every time you spend. Luxury Card enhances your purchasing power by providing you with one (1) point for every one dollar ($1) you spend. Every purchase gets you closer to the rewards you want.

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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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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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