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Update: Some offers mentioned below are no longer available. View the current offers here – Barclaycard Arrival Plus World Elite Mastercard

TPG Reader Maxwell emailed to ask about why one cash-back card doesn’t get more attention:

“Why the love for Barclaycard Arrival Plus, when Citi Double Cash offers 1% back initially plus another %1 with no annual fee?”

The Barclaycard Arrival Plus World Elite Mastercard has been one of the most popular travel rewards credit cards since the sign-up bonus hit 40,000 miles in the spring of 2013. The card earns 2 miles per dollar spent on all purchases, and you can redeem miles for roughly one cent apiece toward travel expenses ranging from flights and hotels to tolls and taxis. Along with a few added benefits (like EMV chip technology), the flexibility of Arrival miles has been one of the card’s major selling points.

However, when it comes to flexibility, nothing beats cash in your pocket. The Arrival program’s recent devaluation has lowered the overall return on the card to right around 2%, putting it in line with several cash-back credit cards like the Fidelity Investment Rewards Card.

Given that these cash-back options have no annual fee (compared to $89 for Arrival Plus after the first year), and since more cards are adopting features (like no foreign transaction fees) that used to make the card stand out, it’s fair to ask whether Arrival Plus has lost its appeal. My short answer is no, and there’s still one major reason why this card should be on your radar: the sign-up bonus.

Arrival Plus currently offers 40,000 bonus miles after you spend $3,000 on the card in the first three months. Even after the recent negative changes, you’ll have at least $430 worth of free travel once you meet the spending requirement. Most cash-back cards offer relatively meager bonuses, and Citi Double Cash Card offers none. Since you pay no fee for Arrival Plus in the first year, the card is still an easy win for award travelers.

All that said, I do think Arrival Plus has fallen from among the top travel credit cards, and there isn’t much incentive to keep it beyond the first year. I would much rather have the Chase Sapphire Preferred Card or Citi ThankYou Premier Card, both of which allow you to redeem points for travel directly, but also give you the flexibility to redeem with airline and hotel partners for greater value. With the right redemption strategies, you’ll get better value out of those cards than you will from a flat 2% cash back.

If you strongly prefer to have no annual fee, I’d go with Chase Freedom, which comes with lucrative 5% bonus categories, but also lets you transfer points to partners if you hold one of the more premium Ultimate Rewards cards. Even without counting the sign-up bonus, you’ll do better with Freedom than with a 2% cash-back card if at least 25% of your spending is in those bonus categories.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook or send me an email at info@thepointsguy.com.

The best beginner points and miles card out there.
Chase Sapphire Preferred® Card

The Points Guy Assessment:

The Chase Sapphire Preferred is a great pick for the beginner and the frequent traveler. The CSP has superb travel benefits, double points on certain purchases, and a 50,000 point sign up bonus. The $95 annual fee is waived the first year so this puts it as one of the less expensive cards, while still allowing you to earn one of the most valuable point currencies.

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More Things to Know
  • 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®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
N/A
Regular APR
17.74% - 24.74% Variable
Annual Fee
$0 Intro for the First Year, then $95
Balance Transfer Fee
Either $5 or 5% of the amount of each transfer, whichever is greater.
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.