About Barclaycard Arrival™ World MasterCard®
- Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days - that's enough to redeem for a $200 travel statement credit
- Earn 2X miles on travel and dining and 1X miles on all other purchases
- Miles don't expire as long as your account is open, active and in good standing
- Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits
- No foreign transaction fees on anything you buy while in another country
- 0% introductory APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
- Complimentary online FICO® Credit Score access for Barclaycard Arrival Cardmembers
The Barclaycard Arrival World MasterCard was introduced as a competitor to no-annual-fee, general travel credit cards like Chase Sapphire and the Capital One VentureOne Rewards card. The Arrival World MasterCard doesn’t have any features that are distinctly exceptional or unique, but it does offer a great mix of attractive benefits that make it a great card for frequent travelers.
The rewards program is relatively standard for a travel credit card -- earn 2 miles per dollar on travel and dining and 1 mile per dollar on all other purchases. The 10 percent miles-back travel redemption bonus is a nice feature that effectively reduces the cost of travel by giving you 10 percent miles back to use toward your next redemption every time you redeem for travel statement credits.
The APR on the Arrival World MasterCard is neither too low nor too high when compared to most travel rewards credit card.
The ideal cardmember is someone who prefers a travel rewards credit card with no annual and travel frequently, especially to foreign nations -- but is not loyal to any airline, hotel or car-rental brand.
Pros Cons Simple rewards program 10% miles-back redemptions on travel No foreign transaction fee
It’s very easy for a credit-card issuer to slap an annual fee on a travel credit card like the Arrival World MasterCard, because airline- and hotel-specific cards tend to have annual fees. Luckily, this card doesn’t have an annual fee, which makes it more competitive when matched against similar travel credit cards.
The Arrival World MasterCard does not charge foreign-transaction fees on anything you buy while in another country, which is a major cost-saver for cardmembers who regularly swipe their cards during their international trips. The typical foreign transaction fee is 3 percent of the transaction.
However, the card has a balance-transfer fee of 3 percent with a minimum of $5, which is average. Since this card doesn’t fall in the “low-interest-rate” category, it is a bad idea to carry a balance -- ideally, you pay off the balance every month.
The Arrival World MasterCard has a regular APR of 14.99% or 18.99% (variable) depending on creditworthiness. The interest-rate range is not extremely high nor low -- it falls in line with the rates charged by most travel rewards credit cards. Note that this card offers a 0% introductory balance transfer APR for 12 months for each Balance Transfer made within 45 days of account opening. After that, a variable APR currently 14.99% or 18.99%, depending on your creditworthiness.
The Arrival World MasterCard has a relatively straightforward rewards program -- earn 2 miles per dollar spent on travel and dining and 1 mile per dollar spent on everything else. For a no-annual-fee travel credit card, this rewards program is hard to beat. Few credit cards can dole out more than 2 miles per dollar on travel purchases that are non-specific to certain brands.
One of the most noteworthy perks of the Arrival World MasterCard is the 10 percent back on miles that are redeemed for travel, which airlines, travel agencies, hotels, motels, cruise lines, passenger railways and car rentals. The feature makes it worthwhile to use this card on travel and to use the accrued miles on travel. (Typically, you would miss out on earning more miles because you are not charging the account to pay for travel -- instead, you are redeeming your accrued miles.)
Cardmembers can also redeem their miles for statement credit, gift cards or merchandise, but these redemption options are not eligible for 10 percent miles back -- with no limit to the amount of miles you can earn.
There is also a complimentary online FICO Credit Score access for Barclaycard Arrival Cardmembers.
The usefulness of this service is highly subjective -- you may find that there are similar services available at a lower cost.
Additionally, Barclaycard’s mobile application can be used to manage the Arrival World MasterCard account.
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