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.

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®

Welcome bonus 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 and paying the annual fee
Rewards

Earn 1.5 points on all purchases

Earn 2x miles on all purchases

Purchase APR (annual percentage rate)

0% intro APR for 12 statement closing dates, and then 16.74% to 24.74% variable

17.74%, 21.74% or 24.74% variable

Annual fee $0 $89
Balance transfers

APR: 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 months, then 17.74%, 21.74% or 24.74% variable

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

Cash advance

APR: 19.74% to 26.74% variable

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

APR: 26.99% variable

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

Foreign transaction fee None None
Late payment fee $38 $37
Additional cardholder fee $0 $0
Interest-free period 25 days 23 days
Minimum interest $1.5 $0.5
Minimum credit score 680 720
Card type Credit Credit
Learn more

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. 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 Bonus Reward Value per Dollar APR (Annual Percentage Rate) for Purchases Annual Fee
1 points
16.74% variable
$195
Enjoy unique excursions, privileged access to exclusive events and insider opportunities.
1 points
16.74% 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
16.74% 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.
Earn 60,000 points after spending $5,000 in the 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.
Earn 25,000 points after spending $2,000 in the first 3 months
1 points
None (Charge Card)
$0 annual fee for the first year ($195 thereafter)
25,000 bonus Membership Rewards® Points (up to $250 value) when you spend $2,000 in the first 3 months
Earn 25,000 points after spending $1,000 in the first 90 days
1.5 points
16.74% to 24.74% variable
$0
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
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% 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 from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
Earn 50,000 points after spending $3,000 in the first 90 days
1.5 points
17.74% to 24.74% variable
$95
Earn unlimited 2 points for every $1 spent on travel and dining purchases and 1.5 points for every $1 spent on all other purchases.
Earn 50,000 points after spending $4,000 in the first 3 months
1 points
17.74% to 24.74% variable
$450
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®.
Earn 50,000 miles after spending $3,000 in the first 3 months
2 miles
14.74%, 21.24% or 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 40,000 miles after spending $2,000 in the first 3 months
1 miles
17.74% to 24.74% variable
$0 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.* Plus a $100 statement credit after your first purchase.
Earn 40,000 points after spending $1,000 in the first 3 months
1 points
17.74% to 24.74% variable
$99
40,000 bonus points after you spend $1,000 on purchases in the first 3 months your account is open

Compare up to 4 providers

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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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