Review of the Barclaycard Arrival™ World MasterCard®

Brendan Harkness

Brendan Harkness | Reviews

Feb 01, 2016 | Updated Jul 13, 2016

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The Barclaycard Arrival™ World MasterCard® is a solid travel credit card, offering 2X points per dollar for your travel expenses.

It’s usually overshadowed by the more extravagant Barclaycard Arrival Plus™ World Elite MasterCard®, which offers better rewards and benefits.

If you want a useful travel card but can’t meet the credit requirements for the Arrival Plus, the Arrival World MasterCard might be for you. You’ll get 2 miles per dollar on travel and dining, and there’s no annual fee to worry about. You can also freely use this card outside the country because it has no foreign transaction fee.

You’ll get the most out of this card if you’re a frequent traveler. If you don’t travel often, you’ll be better off with a regular reward credit card.

Read on to learn if this card might be the right one to help pay for your next vacation.

Barclaycard Arrival™ World MasterCard®

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 16.24%, 20.24% or 24.24%* Variable
Quick Card Facts
  • Earn 20,000 bonus miles after 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 & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • 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 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers

The Rewards

You’ll earn:

  • 2 miles for every $1 spent on travel and dining
  • 1 mile for every $1 spent on all other purchases
  • 20,000 bonus miles when you spend $1,000 in the first 90 days (equivalent to a $200 travel credit)
  • 5% bonus to miles to use toward your next redemption, when miles are redeemed for travel statement credits
  • Miles that don’t expire as long as your account is in good standing
Travel-related purchases that you can earn miles for
Airlines Travel agencies
Hotels Discount travel sites
Motels Trains
Timeshares Buses
Campgrounds Taxis
Car rental agencies Limousines
Cruise lines Ferries
Travel-related purchases that you cannot earn miles for
Real estate agents
Websites or owners that rent properties
In-flight goods and services
Merchants within airports
Merchants that rent trailers
Trucks and other vehicles for the purpose of hauling

The Benefits

Check your card’s Guide to Benefits to learn the specific benefits available to you, as well as how to access them.

Perks

  • 24/7 Concierge Service

    Help with pre-trip planning, reminder service for dates and events, and more.

  • Complimentary FICO® Score

    Your account must be in good standing to view your FICO score.

Security

  • Chip-and-Signature and Chip-and-Pin Technology

    This card has EMV technology for added security when making purchases. You can find more information on EMV technology here »

  • Fraud Protection

    You will not be held responsible for unauthorized use of your card.

Travel

  • Mastercard Global Service®

    24/7 help with travel emergencies, including emergency card replacement or cash advances.

  • Travel Accident Insurance

    You and your family are covered up to $200,000 in the case of an accident or death, when you use your card to purchase common carrier tickets.

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, you can be reimbursed for non-refundable costs. Eligible reasons include severe weather and sickness.

  • Baggage Delay Insurance

    Reimbursement for eligible items you need to purchase in the event of a baggage delay.

  • Auto Rental Collision Damage Waiver

    Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined.

The Costs & Fees

Annual Fee Regular APR Introductory Balance Transfer APR Regular Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 16.24%, 20.24% or 24.24%* Variable  0% for 12 months (must be completed within first forty-five days of account opening) 16.24%, 20.24% or 24.24%* Variable 25.49%* Variable 0%
Penalty APR Late Fee Returned Payment Fee
See Terms Up to $37 Up to $37

The Bottom Line

The Barclaycard Arrival World MasterCard is a great travel credit card, even if it’s not Barclay’s best travel card. If you don’t qualify for the Barclaycard Arrival Plus World Elite MasterCard version or you don’t want to pay its annual fee, this is a great option.

Here’s how to get your money’s worth:

To earn a $200 travel credit, you’ll need to earn 20,000 miles.

To do this during the first year, you could spend $1,000 on travel and dining in the first 90 days, which will earn you:

  • 20,000 bonus miles through the sign-up bonus
  • 2,000 miles at 2 miles for every $1 spent on travel and dining
  • 1,100 miles through the 5% bonus when you redeem your miles for travel statement credits

So for spending $1,000, you earn a total of 23,100 miles. You can redeem these for a $200 statement credit, and still have some miles left over.

Sure, a $200 travel credit might not be as great as a free plane ticket like you might get with another travel card. But remember, you’re not paying an annual fee like you would with many other travel cards, so there’s no downside to using this card.

During the second year it will be hard to earn 20,000 miles without spending a lot. You’ll need to spend $10,000 on travel and dining to earn that $200 statement credit.

If you’re going to be spending that much money traveling on various airlines, it’d be better to opt for the World Elite version instead. You’ll pay an annual fee of $89, but you’ll earn 2 miles for all of your purchases. And with the sign-up bonus, you can earn 40,000 miles for spending $3,000 in the first 3 months, so points will rack up fast.

Want to apply for this card or learn more? Just click the name below.

Barclaycard Arrival™ World MasterCard®

For People with
Excellent Credit

  • Annual Fee: $0
  • Interest Rate: 16.24%, 20.24% or 24.24%* Variable
Quick Card Facts
  • Earn 20,000 bonus miles after 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 & dining and 1X miles on all other purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • 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 16.24%, 20.24% or 24.24%, depending on your creditworthiness.
  • Complimentary online FICO® Credit Score access for Barclaycard Arrival cardmembers
If you’re someone who flies on airlines only occasionally but you still want to get rewards when shopping, take a look at our picks for The Best Reward Credit Cards – 2016

Do you have the Barclaycard Arrival World MasterCard? How do you like it? Let us know by leaving your own review!

Was this helpful?
  • Lisa Jiang

    You mentioned that weather was one of the conditions covered under the Trip Cancellation Protection – I’m having trouble finding that in their terms and conditions. Could you share where you found that?

    • Brendan Harkness

      Hi Lisa, thanks for your question.
      It is very tough to find up-to-date information like that from some card issuers if you don’t actually own the card. Since none of us own that card, we can’t see the current details very easily.

      The Trip Cancellation benefit actually comes from MasterCard, so it will be similar across all MasterCard cards. So, since I have a Citi Double Cash MasterCard which has the Trip Interruption Protection, I checked out the benefit details for that.

      You can see a bit about that benefit on this page, but you won’t be able to see all the details unless you are a Citi cardholder:
      https://www.cardbenefits.citi.com/Products/Trip-Cancellation-or-Trip-Interruption-Insurance.aspx

      There can be some variability between cards, and even for the same card when people are approved at different benefit levels because of their credit scores. That’s why we recommend that people take a look at the Guide to Benefits that comes with their card to learn exactly what they can do.

      Hopefully that answers your question, though I can’t show you exactly where I get the information in this case unless you can access that Citi page. If there’s anything else I can tell you about these benefits, using my cardholder access, just let me know!

      – Brendan H.

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