The Barclaycard Arrival Plus World Elite Mastercard Review
Editor's Note
Update: Some offers mentioned below are no longer available. View the current offers here.
As much as we like to think that points and miles are the be all end all for traveling for free, they're not. It often takes a lot of time, organization and flexibility to maximize how you earn and redeem points and miles. And even once you master the ins and outs of each rewards program, you may still find yourself stuck in situations where you'll have no choice but to fork over hefty fees and surcharges to book your "free" trip.
To prevent situations like these, it's a good idea to have a fixed-value point credit card in your arsenal. There's been a lot of activity in the fixed-value credit card space recently, so today I want to take a closer look at one of our longtime favorites, the Barclaycard Arrival Plus World Elite Mastercard, and see how it stacks up. The Arrival Plus isn't a glamorous card by any means, but it offers a good return on your everyday spending and allows you to redeem miles for any travel expense without jumping through hoops. It also has several less-common, useful benefits for traveling internationally.
Who Is This Card For?
While just about anyone should be able to get value from the Arrival Plus, it's best for those who like simplicity. The card earns the same amount of miles for every dollar you spend, everywhere, everyday, so you won't be needing to swap credit cards in and out for different types of purchases. And since miles have a fixed value, meaning you'll get the same value per mile no matter what travel purchase you use them toward, it's also great for economy-cabin travelers who don't want to deal with the hassle of transferring miles and scouring for saver award availability.
Barclays doesn't have any hard-and-fast rules or restrictions like Chase's 5/24 when it comes to applying for new cards, though there are still some general guidelines you should follow. For instance, if you already have the Arrival Plus, but are thinking about reapplying in order to get the welcome bonus again, you need to cancel your existing card and then wait for a period of time (the recommendation is six months) before doing so. Also, Barclays has been known to look at prior spending on existing cards to determine approval for a new card. So, if you're looking at applying for the Arrival Plus and already have another card with the issuer, such as the JetBlue Plus Card, and haven't spent much (or anything) with it, wipe the dust off and use it for a few months before applying.
Welcome Bonus
The Arrival Plus is currently available with a best-ever welcome bonus of 70,000 miles after you spend $5,000 in the first 90 days. Miles are worth a flat 1 cent apiece when redeemed toward travel expenses, meaning this sign-up bonus worth $700. In reality, though, it's slightly better than that as the card offers a 5% rebate on redeemed miles, making the 70,000 miles worth $735. That's the highest bonus of any fixed-value point credit card. Plus, since the card's $89 annual fee is waived the first year, you can effectively try out the card for a year and get the bonus without paying anything at all.
Earning
Earning miles on the Arrival Plus is very straightforward, ideal for those who like to have as few credit cards in their wallet as possible. You'll earn 2 miles for every dollar you spend with the card on every transaction with no annual cap. This gives you a 2% return on all your spending, but when you factor in the card's 5% rebate on redeemed miles, the return on your purchases effectively jumps to 2.11%.
Redeeming
Arrival miles can be redeemed at a fixed value of 1 cent apiece as a statement credit against travel purchases of at least $100 made within the last 120 days. This includes many expenses that traditional miles won't cover, including purchases made with airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, travel agencies, discount travel sites, trains, buses, taxis, limousines and ferries. Unlike traditional airline miles or hotel points, when you redeem Arrival miles for airfare and hotels, you generally still earn miles and points on flights and stays as you're paying for them with your card and then getting reimbursed using miles after the fact.
Alternatively, you can use your miles to cover the card's annual fee and maintain the same value of 1 cent per mile, which is a nice option to have. Miles can also be redeemed for straight cash back or gift cards, but you wouldn't want to go that route as the value of your miles will drop to half a cent apiece when doing so.
Perks
The Arrival Plus offers valuable, though fairly modest, benefits that are geared primarily toward international travelers. The card has no foreign transaction fees, meaning you can make purchases overseas without accumulating extra charges. More interestingly, the Arrival Plus is one of very few US-issued credit cards to have chip and PIN capability, making it an excellent choice to use overseas where chip and PIN cards are the standard. As a point of comparison, the Chase Sapphire Reserve will allow you to enter a random four-digit PIN in some credit card terminals, but the Arrival Plus is one of the few that will work in any of these terminals. This benefit is especially useful at unmanned kiosks in train stations.
The card also comes with the standard suite of World Elite Mastercard benefits. This includes travel benefits such as baggage delay protection for when your baggage is delayed by 12 hours, trip cancellation and interruption protection, travel accident insurance and secondary rental car collision damage waivers, as well as several travel-related perks that many consumers might not know about like discounts on certain international airfares and luxury hotel benefits similar to the Amex Fine Hotels & Resorts Program when booking through Mastercard.
For everyday purchases, the Arrival Plus offers a selection of shopping benefits like extended warranty, purchase protection, return protection and most notably, price protection, a valuable benefit that issuers have been eliminating from many credit cards, including all but one set of Chase cards.
Which Cards Compete With the Arrival Plus Card?
The Capital One Venture Rewards Credit Card has long been the most direct competitor of the Arrival Plus due to the similar annual fee ($95 and waived the first year vs. $89 and waived the first year for the Arrival Plus) and same earning rate, but that's no longer the case now that Capital One added airline transfer partners.
Now, a much closer comparison to the Arrival Plus is the Bank of America® Premium Rewards® credit card. It earns 2 points per dollar on travel/dining and 1.5 points per dollar on everything else (plus 25-75% bonuses for Bank of America Preferred Rewards customers), but points are worth the same no matter what you redeem for, so you have slightly more flexibility with them. The card comes with more perks than the Arrival Plus, including a $100 airline incidental statement credit and Global Entry/TSA PreCheck application fee credit, but its $95 annual fee isn't waived the first year.
There's also the no annual fee Citi® Double Cash Card, which basically earns 2% back on all purchases (1% when you make purchases, 1% when you pay your bill), but I don't see it as a competitor because it doesn't offer any travel-related benefits.
Bottom Line
The Arrival Plus isn't the best mid-tier credit card on the market — depending on how much money you have in your Bank of America or Merrill account, it might not even be the best fixed-value card. However, if that doesn't apply to you and you're looking for a simple product that'll help you diversify your points and miles, the Arrival Plus' 2.11% return on spending and increased sign-up bonus is quite attractive. Plus, having chip and PIN capability and no foreign transaction fees can be very useful for travelers.
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| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
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