Review: Barclaycard Arrival Plus™ World Elite MasterCard® – August 2017

Get 50,000 bonus miles and a 0% intro APR with one of the best travel cards around

  • Get this card if …you want consistent (and powerful) travel rewards.
  • Pick something else if …you don’t want to pay an annual fee or want cash back.
  • Recommended excellent credit score of 720 to 850.

The Barclaycard Arrival Plus World Elite MasterCard comes with many perks, but also an $89 annual fee. Some of the highlights include: 50,000 bonus miles if you meet the spending criteria, a no-interest balance transfer offer for the first 12 months, no foreign transaction fees and other travel benefits.

As always with a rewards card, compare the costs against the benefits to determine if this is the right card for you.

Product NameBarclaycard Arrival Plus World Elite Mastercard
Intro APR for Balance Transfer0% Intro APR for 12 months (with whichever is greater: $5 or 3%% balance transfer fee)
Balance Transfer Revert RatePurchase Rate (16.99%–23.99% variable)
Balance Transfer Rate (not intro)16.99%–23.99% variable
Balance Transfer Request Time45 days
APR for Purchases ( Purchase Rate )16.99%–23.99% variable
Annual fee$0 annual fee for the first year ($89 thereafter)
Cash Advance Rate26.24% variable
Card TypeMastercard
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 23 days
Returned Payment Fee$0
Foreign Currency Conversion Fee (MC)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Interest$0
Minimum Credit ScoreGood (700-739)
Minimum Age18 years of age
Annual fee$0 annual fee for the first year ($89 thereafter)
Returned Payment Fee$0
Late Payment Fee$37
Cash Advance Fee$10 or 5% of the transaction, whichever is greater

Barclaycard Arrival Plus™ World Elite MasterCard® review

The Barclaycard Arrival Plus breezed onto our list of 2017’s best credit cards. And for years it’s been a top travel pick, competing with formidable rivals like the Chase Sapphire Preferred and BankAmericard Travel Rewards.

Why is the Arrival Plus such a good choice? Simple: It offers strong, consistent rewards. Whereas other cards offer accelerated rewards only in select categories, the Arrival Plus brings great earnings no matter what you buy. You’ll earn 2x miles on every purchase, and there’s no cap on how much you can earn. As a bonus, you’ll get 5% miles back each time you redeem.

Rewards in the long run

The Arrival Plus isn’t flashy, but it may bring you the most rewards in the long run.

For reward earnings, the Barclaycard Arrival Plus isn’t the sexiest card out there. It simply offers 2 miles per dollar you spend on anything.

Meanwhile, the Chase Sapphire Preferred offers 2x points on travel and dining, and 1x points on all other spending. Also, you’ll get a 25% point boost when you redeem points through Chase Ultimate Rewards.

The Sapphire Preferred’s rewards structure sounds more fun, and you may think it’s obviously more valuable because of its point boost. But before choosing it, dig deeper and consider your spending.

Do you eat out a lot or spend often on travel? Then the Sapphire Preferred could edge out the Arrival Plus. If you don’t, however, you may earn fewer rewards with the Sapphire Preferred. That’s because you’ll mostly earn 1x points through your day-to-day spending. In the latter case, the Arrival Plus wins handily.

No, the Arrival Plus isn’t flashy. But it earns big, and it does so consistently. For many consumers, the card will deliver better rewards in the long run.

If that sounds enticing, picking up the Arrival Plus could be an easy decision. That’s thanks in part to its 50,000-mile signup bonus, which is worth a cool $500 in travel statement credit. The card’s $89 annual fee is waived for the first year too, and you can take advantage of a 0.00% balance transfer APR for 12 months.

The Arrival Plus doesn’t sit in the upper echelons of the travel card market, home to powerhouses like the AMEX Platinum Card and Chase Sapphire Reserve. That’s to be expected, since it doesn’t cost hundreds of dollars a year. However, that doesn’t mean it can’t facilitate luxury travel — it is, after all, a World Elite Mastercard.

Carrying a World Elite card offers considerable advantages. For starters, you’ll receive exclusive amenities at Mastercard Luxury Hotels & Resorts properties. You’ll also get great deals on air travel, cruises, vacation tours, car rentals and even chauffeured car service and private jets. And, of course, you’ll have access to Mastercard hotlines: Personal travel advisors and emergency assistance are just a call away.

That’s an impressive set of luxury benefits, especially for a card that costs >$89 a year. If you’re not quite ready for expensive picks like the UBS Visa Infinite or Mastercard Black Card, strongly consider the Barclaycard Arrival Plus. You may find it’s the only travel card you’ll ever need.

The Perks

  • INTRO ANNUAL FEE: $0 for the first year. Pay no annual fee for your first year. Afterward, the annual fee reverts to $89.
  • SIGNUP BONUS: Lots of miles. Earn 50,000 bonus miles after you spend $3,000 in the first 90 days.
  • MILES: Earn more miles on all purchases. Earn 2 miles for every dollar you spend on all purchases. There’s no cap on the miles you can earn, and miles don’t expire.
Redeeming miles

The Barclaycard Arrival Plus is one of the most flexible travel cards you’ll find. You can redeem miles for statement credit in categories such as:

  • Airlines
  • Hotels
  • Motels
  • Timeshares
  • Car rental agencies
  • Cruise lines
  • Purchase and travel agencies
  • Discount travel sites
  • Trains
  • Buses
  • Taxis
  • Limousines
  • Ferries
  • Intro balance transfer APR. Each balance transfer posted to your account within the first 45 days will have a 0% APR for 12 months. After 12 months, the APR will revert to 16.99%–23.99% variable, depending on your credit.
  • Mastercard World Elite benefits. Enjoy a strong collection of high-end cardholder benefits: exclusive perks at Mastercard’s portfolio of luxury hotels, deals on chauffeured car service and private jets, Mastercard airport concierge and more.

You’ll also like

        • Mile rebate each time you redeem. Get 5% miles back each time you redeem.
        • No foreign transaction fees. Use your card for international purchases without incurring fees.
        • FICO score access. Check your FICO score for free and be notified if your score changes.
        • Travel insurance. Get travel accident and trip cancellation insurance if you purchase your travel tickets with your Barclaycard Arrival Plus card.

What to watch out for

  • It hurts to pay late. Making late or returned payments could result in fees as high as $37.
  • Annual fee starting the second year. You’ll pay no annual fee the first year, but you’ll pay $89 starting the second year.
  • Expiration on intro balance transfer APR. Your 0% intro APR lasts 12 months. Afterward, it reverts to an APR of 16.99%, 20.99% or 23.99%.

Consider other cards if …

Compare other Barclaycard credit cards

Rates last updated August 18th, 2017
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Barclaycard Arrival World MasterCard
16.24%–24.24% Variable
0% Intro APR for 12 months
$0
Earn 20,000 bonus miles and enjoy the current offer of 0.00 % APR for 12 months on balance transfers — all for a $0 annual fee.
Barclaycard Arrival Plus World Elite Mastercard
16.99%–23.99% variable
0% Intro APR for 12 months (with whichever is greater: $5 or 3%% balance transfer fee)
$0 annual fee for the first year ($89 thereafter)
Earn 50,000 bonus miles and enjoy the current 0% intro APR for 12 months.
Barclaycard Rewards MasterCard
25.24%
$0
Pay no annual fee and earn up to 2 points on everyday purchases.
Barclaycard Ring™ Mastercard®
13.99% variable
0% Intro APR for 15 months
$0
Low interest rate on purchases, balance transfer and cash advances.
Barclaycard NFL Extra Points Credit Card
15.24%–25.24% variable
0% Intro APR for 15 months (with $5 or 3% of the transaction, whichever is greater% balance transfer fee)
$0
Balance transfer offer of 0.00% p.a. for 15 months and enjoy 10,000 bonus points.
Barclaycard CashForward™ World Mastercard®
15.99%, 20.99% or 25.99% Variable
0% Intro APR for 15 months (on balance transfers made within first 45 days) (with 3%, (Minimum $5)% balance transfer fee)
$0
Receive $200 cash rewards bonus when you spend $1,000 on your card within the first 90 days. A no annual fee card with 0% introductory APR on balance transfers.

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What should I know before I apply?

To apply for the Barclaycard Arrival Plus, you must be at least 18 years old. You must also be a resident of the United States. Residents of Iowa, Puerto Rico and US territories are not eligible.

Always consider your options and your financial situation before you apply for a credit card.

Information you’ll need

  • Full name and contact information (phone number, email address)
  • Residential status
  • Annual income and employment information
  • Social Security number, date of birth and mother’s maiden name

Eligibility criteria:

    • You are at least 18 years of age.
    • You are a U.S. citizen or permanent resident.
    • You have an excellent credit rating.
    • You are not a resident of Iowa, Puerto Rico or the U.S. territories.

What are my chances of getting the card?

You can get almost any card if you have at least a good credit score of 680 or higher. However, Barclays Bank is more selective than other lenders. When you apply for the Barclaycard Arrival Plus, aim to have an excellent credit score of 720 or higher.

If you don’t qualify for the World Elite version of the card, you may be given the Platinum version instead. The Platinum has fewer features — for example, it doesn’t have concierge services or luxury hotel benefits.

To increase your chances of being approved for the Arrival Plus World Elite, keep your credit utilization ratio low and avoid hard pulls on your credit immediately before applying.

What's a hard pull?

A hard pull occurs when a lender checks your credit report after you apply for credit. (For example, when you apply for a mortgage or a credit card.) This can lead to a drop in your credit score.

How to apply for the Barclaycard Arrival Plus World Elite MasterCard

Always consider your options and your financial situation before you apply for a credit card.

1. Go to the Barclaycard website and click Apply Now.

apply-to-barclaycard-arrival-plus

2. Complete the application form with your name, address, annual income and Social Security number. Then review your application and submit it.

apply-to-barclaycard-arrival-plus

How long will it take to be approved?

You’ll likely receive a decision immediately after you apply. If there are issues with your application, however, you may have to wait up to a few weeks for a decision.

I got the card. Now what?

  • Make timely payments. Pay your card bill online at the Barclaycard website, where you can also enroll in autopay.
  • Avoid interest. After the close of each billing cycle, you have a grace period of 23 days to pay your balance. If you do, you won’t pay interest on your purchases.
  • Avoid fees. Late and returned payments come with hefty fees of up to $37. Balance transfers and cash advances also come with fees.
  • Customer service. If you have questions, contact Barclaycard customer service at 888-232-0780.

Bottom line

You don’t have to pay $500 a year to get luxury travel perks. You may find exactly what you need with the Barclaycard Arrival Plus, which offers strong — and consistent — rewards.

Barclaycard Arrival Plus World Elite vs. Platinum Card from American Express

Barclaycard Arrival Plus World Elite cardPlatinum Card from American Express card
Barclaycard Arrival Plus World Elite MastercardThe Platinum Card® from American Express
Annual Fee$89$550
APR16.99%–23.99% variableNo interest charges because you pay your balance in full each month
Signup bonusEarn bonus miles after you spend 50,000 on purchases in the first 90 days.5X Membership Rewards® points on flights booked directly with airlines or with American Express Travel. 5X Membership Rewards® points on eligible hotels booked on amextravel.com.

Read Review

Barclaycard Arrival Plus World Elite vs. Chase Sapphire Reserve

Barclaycard Arrival Plus World Elite cardChase Sapphire Reserve credit card
Barclaycard Arrival Plus World Elite MastercardChase Sapphire Reserve
Annual Fee$89$450
APR16.99%–23.99% variable16.74% to 23.74% variable
Signup bonusEarn bonus miles after you spend 50,000 on purchases in the first 90 days.Earn 50,000 BONUS POINTS after you spend $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Read Review
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Frequently asked questions

If you have questions about Barclaycard credit cards, get in touch with us at anytime.

Unfortunately, it’s not possible to know what APR you’ll receive until your application is approved. The best you can do is find the range of rates you might receive; for example, with the Barclaycard Visa with Apple Rewards, you’ll have an APR of 16.99%–23.99% variable. Of course, the better your credit, the better your chances of receiving a favorable interest rate.
Each month, you’ll receive a summary of the transactions you’ve made with your card. You’ll see purchases you’ve made and whether you’ve accrued rewards or points with your card. By default, you’ll get your statements via mail, but you can sign up for paperless online statements.
As with all credit cards, it’s a good idea to pay off your balance in full each month to avoid accruing interest. With Barclaycard, you may not be charged interest if you pay off your balance by your monthly due date. If you are charged interest, you’ll be assessed at least $0.
Many Barclaycard cards come with generous rewards — and rewards cards typically require higher credit scores. You typically need a fair to excellent credit score (620 or higher) to qualify.
Barclaycard features SecurPass, a verification method to confirm your identity whenever your account is accessed. You’ll also receive fraud text alerts when there is suspicious activity on your card. Barclaycard also offers $0 fraud liability protection, which means you are not responsible for unauthorized purchases made with your card.
Yes, Barclaycard offers a free mobile app. Use it to access your account, track your spending, see your current balance, pay bills and even transfer balances.
No. You can only earn the signup bonus if this is your first time as a Barclaycard Arrival Plus cardholder. 
 Go to your Barclaycard online account and select Rewards & Benefits from your Account Summary page.
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2 Responses

  1. Default Gravatar
    SherylJuly 5, 2017

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    • Staff
      HaroldJuly 5, 2017Staff

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      I hope this information has helped.

      Cheers,
      Harold

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