The Capital One® Venture® Rewards Credit Card vs the Barclaycard Arrival Plus™ World Elite MasterCard

Brendan Harkness

Brendan Harkness | Versus

May 17, 2016 | Updated Sep 20, 2016

If your questions are not answered by this post, use the ASK button in the top right to tell us what’s missing!

Although Credit Card Insider does receive compensation from some card issuers as advertisers, this does not in any way influence our overall judgement of a card, or how one card is compared to another. Barclaycard and Capital One have not endorsed this content in any way.

Learn more about how we rate credit and charge cards.

This is a review and comparison of two popular general travel credit cards, the Barclaycard Arrival Plus World Elite MasterCard and the Capital One Venture Rewards Credit Card.

These cards are best used to help you pay for travel, and also to make it more enjoyable. They’re pretty similar, providing miles for every purchase you make, along with signup bonuses and other benefits. They both have annual fees that are waived for the first year.

Both of these cards are designed for people with good or excellent credit, with FICO® Credit Scores above 700 or so (but remember that this is a general guideline, not exactly a strict requirement).

Are you wondering how you’ll pay for your next vacation? Then keep reading and find out if one of these cards is the solution!

Barclaycard Arrival Plus™ World Elite MasterCard®
Apply Now

Barclaycard Arrival Plus™ World Elite MasterCard®

For People with
Excellent Credit

  • Annual Fee: $89 - Waived first year
  • Interest Rate: 16.24%, 20.24% or 23.24% Variable
Quick Card Facts
  • Earn 50,000 bonus miles after you spend $3,000 on purchases in the first 90 days — that's enough to redeem for a $500 travel statement credit
  • Earn 2X miles on all purchases
  • Redeem for travel or cash back statement credits, gift cards and merchandise. Redemption values vary
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on anything you buy while in another country
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.24%, 20.24% or 23.24%, based on your creditworthiness.
  • Please note, there is a fee for balance transfers.

Capital One® Venture® Rewards Credit Card

For People with
Good Credit

  • Annual Fee: $59 - Waived first year
  • Interest Rate: 13.24%, 18.24% or 23.24% *Variable
Quick Card Facts
  • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel
  • Earn unlimited 2X miles per dollar on every purchase, every day
  • Fly any airline, stay at any hotel, anytime
  • Travel when you want with no blackout dates
  • Miles don't expire and there's no limit to how many you can earn
  • No foreign transaction fees
  • No annual fee for the first year; $59 after that
  • 100% free Capital One® Credit Wise - see your monthly credit score anytime and get automatic alerts

The Rewards

Arrival Plus World Elite

This card provides:

  • 2X miles per dollar on every purchase you make
  • 50,000 bonus miles for spending $3,000 in purchases in the first 90 days (equivalent to a $500 travel statement credit)
  • 5% of your miles back every time you redeem them

You’ll earn 1 cent per mile when redeeming for travel expenses, but only .5 cents per mile when redeeming for cash back statement credits or gift cards. Miles will vary in value when redeeming for merchandise. To get the best value you’ll want to redeem your miles exclusively for travel statement credits.

Capital One Venture Rewards

  • 2X miles per dollar on every purchase you make
  • 40,000 bonus miles for spending $3,000 in purchases in the first 3 months (equivalent to $400 in travel expenses)

You’ll earn 1 cent per mile when you redeem your rewards.

The Verdict

Both of these cards offer a pretty great deal, which happens to be the same: 2X miles for every purchase is one of the better rewards you’re going to find among travel credit cards, and the extra $400 signup bonus is very valuable.

But the Arrival Plus World Elite card also offers that 5% bonus every time you redeem. It might not seem like much, but cards like these are often used to spend a lot of money, and that 5% will add up over time. So those extra miles put this card on top in this category.

The Benefits

Here are some of the more valuable benefits offered by each card.

Arrival Plus World Elite

Perks

  • MasterCard World Elite Concierge Services

    Like having your own personal assistant, call for non-emergency help in all sorts of situations.

  • MasterCard World Elite Luxury Travel Services

    Includes access to special vacation packages, travel planning, and hotel deals.

  • Barclaycard Travel Community

    A place to share travel stories and advice, as well as earn miles for certain community activities.

  • Free FICO® Credit Score

    Access your FICO score online at any time, for free.

Travel

  • Trip Cancellation / Trip Interruption Insurance

    If a trip is disrupted for an eligible reason, provides reimbursement for non-refundable costs. Eligible reasons include severe weather and sickness.

  • Travel Accident Insurance

    Covers you and your family in the case of accident when you use your card to purchase common carrier tickets.

  • Auto Rental Collision Damage Waiver

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

  • Baggage Delay Insurance

    Reimbursement on eligible items in the event of a baggage delay.

Capital One Venture Rewards

Perks

  • Visa Signature Concierge Service

    A 24/7 personal assistant to help in a variety of non-emergency tasks.

  • Personalized Payment

    Pick your monthly due date.

  • Luxury Hotels

    Get benefits at over 900 hotel properties.

  • Movie Discounts

    Get discounts at fandango.com/visasignature

  • Fine Wine & Food

    Special dining and wine experiences.

  • Sports Experiences

    Access to popular sporting events and premiere golf benefits at Pebble Beach Resorts®.

  • Shopping Discounts

    Discounts and special offers at premium retailers, from jewelry to apparel and electronics.

Travel

  • Travel Assistance Services

    Provides help with travel emergencies, including emergency card replacement or cash advances.

  • Travel Accident Insurance

    Covers you and your family in the case of physical accidents.

  • Roadside Assistance Hotline

    Assistance with services such as towing, changing a flat, or boosting a battery in case of emergency.

  • Auto Rental Collision Damage Waiver

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

  • Lost Luggage Reimbursement

    If checked or carry-on bags are lost or damaged, provides reimbursement up to $3,000 per passenger.

The Verdict

As you can see, both of these cards offer a very nice set of extra benefits.

There’s actually no clear winner here. They each include some of the most important benefits for travel cards, like a personal concierge to help with travel arrangements and reservations, along with discounts and VIP treatment at hotels and while traveling.

Take a moment to explore the features offered by each card. The Barclaycard’s benefits are serviced by MasterCard, while the Capital One uses Visa. Since they’re about equally good, the right benefits for you will probably depend on your personal preferences.

Insider Tip: Want to see the full set of benefits for each card, including shopping protections and account management tools?

Here’s a side-by-side comparison of all the benefits offered by each card:

Barclaycard Arrival Plus World Elite Capital One Venture Rewards

Perks

  • MasterCard World Elite Concierge
  • MasterCard World Elite Luxury Travel Services
  • Barclaycard Travel Community
  • Free FICO® Credit Score
  • Visa Signature Concierge
  • Personalized Payment
  • Luxury Hotels
  • Movie Discounts
  • Fine Wine & Food
  • Sports Experiences
  • Shopping Discounts
Account
  • Account Alerts
  • Mobile & Tablet Apps
  • Financial Tools and Tips
  • Capital One WalletSM
  • Capital One Credit Wise
  • Capital One Second LookSM
Security
  • Zero Liability Protection
  • Zero Liability Protection
Shopping
  • Purchase Protection
  • Extended Warranty Protection
  • Zero Liability Protection
  • Chip-and-Signature EMV Technology
  • Purchase Protection
  • Extended Warranty Protection
Travel
  • Trip Cancellation / Trip Interruption Insurance
  • Travel Accident Insurance
  • Baggage Delay Insurance
  • Auto Rental Collision Damage Waiver
  • Travel Assistance Services
  • Travel Accident Insurance
  • Roadside Assistance Hotline
  • Auto Rental Collision Damage Waiver
  • Lost Luggage Reimbursement

The Costs & Fees

Card Annual Fee Intro Balance Transfer APR Regular Purchase APR Regular Balance Transfer APR Cash Advance APR
Barclaycard Arrival Plus $89 - Waived first year 0% for 12 months (on balance transfers made within 45 days of account opening) 16.24%, 20.24% or 23.24% Variable See Terms See Terms
Venture Rewards $59 - Waived first year None 13.24%, 18.24% or 23.24% *Variable 13.24%, 18.24% or 23.24% *Variable 23.24% *Variable
Card Balance Transfer Fee Cash Advance Fee Foreign Transaction Fee
Barclaycard Arrival Plus See Terms See Terms See Terms
Venture Rewards  $0 3%; Min:$10 None
Card Penalty APR Late Fee Returned Payment Fee
Barclaycard Arrival Plus See Terms See Terms Up to $37
Venture Rewards See Terms Up to $35 See Terms

The Verdict

There are a few differences to take note of here, but for the most part the costs and interest rates of these cards are similar.

Both of these cards have annual fees, but you won’t need to pay them for the first year. If you’re using the card enough, the rewards and benefits should pay for the fee (leaving you with some extra left over, of course).

The Barclaycard offers a 12-month 0% introductory rate for balance transfers made in the first 45 days of account opening, while the Venture Rewards does not, though you could still apply for a transfer if you’d like. But keep in mind that there’s a fee for the transfer, and you won’t earn any miles for it (this applies to both cards).

Neither card has a foreign transaction fee, so they’re both good options to take along if you’re traveling outside the country.

The Bottom Line

The Barclaycard Arrival Plus World Elite MasterCard and the Capital One Venture Rewards Credit Card are both great travel credit cards, with many similar features.

So which one is right for you? You could use either of these cards to help pay for your next vacation. If you use the card to pay for your travel and accommodations, along with any other expenses you run into, you may be able to get pretty close to that $3,000 mark quickly, giving you the 50,000 bonus miles.

Then you can redeem all your expenses for travel statement credits, making a nice dent in your bill.

Both cards offer 2X miles per dollar, but the Barclaycard has that extra 5% redemption bonus, giving it the edge there. So you’ll wind up with more miles with the Arrival Plus World Elite card.

The extra benefits are pretty similar, with a good offering from each card. One question to ask yourself is, would you rather have a MasterCard or a Visa? Explore the benefits and see what looks good to you. Just remember to make use of them whenever you can, to save a buck or just to make your life a bit easier.

And if you’re hoping to do a balance transfer, the Barclaycard is the obvious choice. This isn’t the main purpose of the card, but the option is there if you want it.

If you own one of these credit cards, how do you like it? Leave your own review of the Barclaycard Arrival Plus World Elite MasterCard or the Capital One Venture Rewards Credit Card, we’d love to hear from you!

Or learn more about Travel Credit Cards and see our picks for the top cards!
Was this helpful?

The Insider

John Ganotis
Two free rides from 11 US airports from Uber and American Express
John Ganotis | Nov 16, 2016

Read More
Brendan Harkness
Review of the Best Western® Rewards MasterCard®
Brendan Harkness | Oct 21, 2016

The Best Western Rewards MasterCard provides 13 points for every dollar you spend with Best Western, along with a variety of extra perks and benefits.

Read More
Brendan Harkness
Review of the Upromise® World MasterCard®
Brendan Harkness | Sep 28, 2016

The Upromise World MasterCard offers up to 10% cash back at select retailers, and you can redeem your rewards directly to your college fund or student loan.

Read More

Trusted Credit Information

Putting People First, Always.

We are advocates of the responsible use of credit, building and managing your credit history, and making informed decisions when selecting a credit card.