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

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Please note: The Barclaycard Arrival® Plus World Elite Mastercard® has been discontinued, and it is not available on our site.

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.

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

25,000 points after spending $1,000 in the first 90 days

70,000 miles after spending $5,000 in the first 90 days

Rewards
Rewards

1.5x points on all purchases

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 16.74% to 24.74% variable

18.24%, 22.24% or 25.24% variable

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

APR: 0% intro APR for 12 months, then 16.74% to 24.74% variable

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

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

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

Cash advance
Cash advance

APR: 19.74% to 26.74% 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

Foreign transaction fee
Foreign transaction fee None None
Late payment fee
Late payment fee Up to $39 Up to $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
Learn more

Which card should you choose?

Bank of America® Travel Rewards credit card

Bank of America® Travel Rewards credit card

  • Strong signup bonus
  • 1.5x points on all spending
  • Intro APR on purchases and balance transfers
  • No annual fee

Barclaycard Arrival® Plus World Elite Mastercard®

Barclaycard Arrival® Plus World Elite Mastercard®

  • Stellar signup bonus
  • Flat rewards on all purchases
  • 5% miles back when redeeming
  • Intro APR on balance transfers

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 Rewards Annual fee Filter values
75,000 points after spending $1,000 in the first 3 months
7x points on Hilton Honors purchases, 5x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$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
20,000 miles after spending $1,000 in the first 3 months
1.25x miles on all purchases and 10x miles at hotels.com/venture
$0
Earn 20,000 bonus miles once you spend $1,000 on purchases within the first 3 months from account opening.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1.5% for cash back
$495
Receive an annual $100 air travel credit toward flight-related purchases including airline tickets, baggage fees, upgrades and more.
60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a Delta purchase in the same timeframe
2x miles on Delta purchases and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
Earn 60,000 miles after spending $2,000 in the first 3 months, plus $50 when you make a direct Delta purchase in the same timeframe. Rates & fees
50,000 bonus miles after spending $3,000 in the first 3 months
2x miles on all purchases and 10x miles at hotels.com/venture
$0 intro annual fee for the first year ($95 thereafter)
Earn 50,000 bonus miles after spending $3,000 on purchases within the first 3 months from account opening.

Compare up to 4 providers

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