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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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 17.24% to 25.24% 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 17.24% to 25.24% 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: 20.24% to 27.24% 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
60,000 points after spending $5,000 in your first 3 months
5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases
$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
35,000 points after spending $2,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
35,000 bonus Membership Rewards® Points when you spend $2,000 in the first 3 months. Rates & fees
25,000 points after spending $2,000 in the first 4 months
2x points on gas, groceries or airlines, whichever you spend the most on each month, 2x points on cell phone services and charities and 1x points on all other purchases
$0 intro annual fee for the first year ($49 thereafter)
Earn 25,000 enrollment FlexPoints worth $375 in travel after spending $2,000 in the first 4 months. Rates & Fees
60,000 miles after spending $2,000 in the first 3 months, plus $50 after your first 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)
60,000 bonus miles after you use your new card to make $2,000 on purchases within the first 3 months and a $50 statement credit after you make a Delta purchase in the first 3 months. Rates & fees
10,000 miles after spending $500 in the first 3 months
2x miles at US restaurants and on direct Delta purchases and 1x miles on all other purchases
$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
25,000 points after spending $2,500 in the first 90 days
3x points on travel or 4x points if you’re a PenFed Honors Advantage member and 1.5x points on all other purchases
$0
25,000 bonus points when you spend $2,500 in the first 90 days 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.
N/A
1x points on all purchases with 2% point value when you redeem for airfare or cash back
$995
Earn 2% point value when redeemed for airfare or cash back through the Luxury rewards program.
N/A
1x points on all purchases with 2% point value when you redeem for airfare and 1% for cash back
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
125,000 points after spending $2,000 in the first 3 months
12x points on Hilton Portfolio spending, 6x at US restaurants, US supermarkets and US gas stations, 3x on all other purchases
$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
50,000 points after spending $4,000 in the first 3 months
3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$450
Earn 50,000 bonus points after you spend $$4,000 on purchases in the first 3 months
60,000 points after spending $4,000 in the first 3 months
2x points on travel and dining and 1x points on all other purchases
$95
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months.
40,000 miles after spending $2,000 in the first 3 months
2x miles at restaurants, hotels and United and 1x miles on all other purchases
$0 intro annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.

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