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.
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Bank of America® Travel Rewards credit card
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Barclaycard Arrival® Plus World Elite Mastercard®
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|---|---|
|
★★★★★ 3.0 / 5.0 |
★★★★★ 3.9 / 5.0 |
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| Earn 25,000 online bonus points after spending $1,000 within the first 90 days from account opening | 70,000 miles after spending $5,000 in the first 90 days |
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Earn 1.5 points on all purchases |
2x miles on all purchases |
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0% intro APR for 12 statement closing dates, and then 17.24% to 25.24% variable |
18.24%, 22.24% or 25.24% variable |
| $0 | $0 intro annual fee the first year, then $89 |
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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 |
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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 |
| Up to $39 | Up to $37 |
| $0 | $0 |
| 25 days | 23 days |
| $1.50 | $0.50 |
| 670 | 720 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
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
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®
- Stellar signup bonus
- Flat rewards on all purchases
- 5% miles back when redeeming
- Intro APR on balance transfers
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.
