Barclaycard Arrival Plus™ World Elite MasterCard®

Approval Odds

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3.4 out of 5 stars
29 Reviews

From Cardholders in the last year

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Application Process

4 out of 5 stars

Customer Service

3.5 out of 5 stars

3.5 5

Card Details

  • Balance Transfer Intro APR 0%* intro for 12 Months on balance transfers made within 45 days of account opening
  • Balance Transfer Regular APR 16.74%, 20.74% or 23.74%* Variable
  • Annual Fee $0 intro, $89 after first year
  • Purchase Intro APR Not Applicable
  • Purchase Regular APR 16.74%, 20.74% or 23.74%* Variable

Our Take

The Barclaycard Arrival Plus™ World Elite MasterCard® is great for consumers with good to excellent credit who want to pile up travel rewards fast.

What to Like

Cardholders earn 2x miles on all credit card purchases. If you can budget out $3,000 in purchases for your first 90 days, you can earn 50,000 bonus miles too. The Barclaycard Arrival Plus™ World Elite MasterCard® also features a 0% introductory APR on balance transfers for 12 months within 45 days of account opening, a waived annual fee in the first year and no foreign transaction fees.

Look Out For

After the first year, cardholders pay an $89 annual fee, so that should be weighed against the benefits of any rewards earned. Cardholders also pay a 3% or $5 (whichever is greater) balance transfer fee.


Most Helpful Positive Review

Mar 27, 2016
Fantastic Miles & Rewards Card
jodom01 Cardholder

I've been trying to rebuild my credit for years (again) since a nasty divorce in 2009. Finally in January my new years resolution was to get my financial life and credit score back.  In less than 90 days I have been able to increase my CK Scores (TU & EQ) by over 125 pts each through agressive disputing and negotiation for delete with collection agencies. I needed another positive trade line and after a lot of research the Barclay Arrival Plus was the card I chose for some important reasons. 1) Barclay tends to pull TU only, if you score is boderline sometimes they will pull EQ and TU Score was my highest at time of application CK = 730 / FICO 08 = 701. 2) Mileage/Reward Earn Rate of 2 miles for $1 of spend. 3) Rewards Bonus offer of 40K Miles for $3000 spend in 90 days. 4.) 5% Bonus Miles Back on Redemption. I applied and my heart sank as I got the 7-10 day notice. Immediately Checked Status online and showed "Declined". I called the Credit Analyst/Reconsideration Phone Number (you can find it with a simple google search). I spoke to a rep and asked why it was declined. After reviewing some basic info, he address the main reason for the decline, high (86% utilization) on one of my cards, even though my overall is 32%. I explained that the card is with a local credit union and is a fixed rate of 4.9% as well as what the balance was from. I was then approved for a $5000 starting line and my card is being overnighted! So let my experience be a lesson. Do your research before applying (lots of googling). Find out which CRA's the lender(s) usually pull in your state/overall. If you are not approved, CALL the lender, speak to someone about the application, the worst they can say is "no"...and don't be afraid of trying 2 or 3 times (with different reps). Specific to Barclay's, they are utilization % sensisitive in their approvals, and they base startling lines off of your current Highest Credit Lines being reported. Hope my experience helps!

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Most Helpful Negative Review

Jan 02, 2016
Was outstanding, now very good
pounder27 Cardholder

Very disappointed when Barclay reduced the benefits of this card, especially reducing the reward bonus from 10% to 5%.  Was an oustanding value, now just amongst the competition given $89 annual fee.  Chase Double Cash and Cap1 Venture provide cheaper alternatives.  But for what I need, I still carry it.  2x points on all purchases, the 5% bonus and no foreign transaction fee still make it viable.  I use the card often enough to get back most of the annual fee vs competitors.  And the 40K signup bonus makes for compelling value for new applicants.  Wish they had not made the benefit changes as I am constantly shopping for a new card.  Would never have considered shopping before.  I've had great customer service with Barclay as well.  Guess I feel abused by the sudden benefit reduction.....

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These reviews were written by current and former cardholders in the last year.

Mar 31, 2017
Take a chance.
Anonymous Cardholder

I took a chance on this credit card because it had multiple bad reviews. I have had this card for 5 months and been rewarded with $675 in statement credit. No issues, no problems. The mobile app they have is wonderful and rewards points get added immediately to your card. The more you use it the higher the rewards. I am very happy with it and plan using it oversees since there are no foreign transaction fees.

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Mar 21, 2017
The most exciting card ever !!
yAzeed Cardholder

So at first I got declined with a TU of 681.. i called the reco line and they said I got declined because I have a short history of on time payments and that the longest one I had was a secured card (had it for over a year) then she said I don't see a problem of giving you a $2,000 limit :D !! Love this card and the benefits you get as a world elite MasterCard member are fantastic.

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Mar 13, 2017

I just came out of the Garden and was able to rebuild my Credit to a little over 650 for TU & 668 EQ, EX is still a work in progress 643, and was just recently approved for Barclaycard Arrival Plus.. I am so excited just to be able to get an approval for $1000 CL, and the funny thing is CK was saying I had a Fair Chance of getting approved for it!! I am stepping out on faith and staying out of the Garden  just a little longer so I can apply for a few more cards and than I'm going back in " The Garden" until I reach at least 700 - 730 Credit Score for every CB. AMEX is my next goal!!

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Jan 15, 2017
Great card and rewards
crashspeeder Cardholder

2% on purchases and a redemption bonus of 5% points back when you redeem for travel.  That makes the effective rate of this card 2.1% when you redeem towards travel, 2% otherwise.  I'm a little disappointed that the benefit was lowered from 10% points back when you redeem on travel (2.2% effective rate) and the complementary TripIt membership was discontinued.  Overall, the fact that this card has no foreign transaction fee and is a World Elite MasterCard means it's definitely competitive.  World Elite MasterCard benefits include concierge, purchase protection, and more.  The annual fee is relatvely low and you'll definitely get your money back from simply using your points.

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Jan 08, 2017
The Best Credit Card I've Ever Owned!
Anonymous Cardholder

This card had endless potential. Full disclosure: I am in the military and as a result of SCRA my annual fee is waved for this card. The 2% back on all purcahses allows for points to add up real quick. In the two years that I have had the card, I've redeemed over $2000 in miles. It feels good to make a purchase and realize that it really isn't costing you anyting because you have the points to purchase it. What is even better is that you get 5% points back when you redeem for travel purchases. If you like to travel, this is your card!

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1 Reply
Apr 05, 2017

Thank You for your service! Stay safe! 🇺🇸🇺🇸🇺🇸

Jan 04, 2017
Reduced Benefits Now Less Competitive
Feif Cardholder

This card used to be my go-to everyday spending card due to it's 2x points on all purchases. They reduced point redemption refund from 10% to 5% and increased the minimum redemption amount from 2,500 ($25) to 10,000 ($100). These may seem like minor changes but it shows that this cards benefits are slowly being decreased over time. Since this is supposed to be a traveler's card, do yourself a favor and just get the Chase Sapphire Reserve card. If you must get this one, just use the bonus in the first year and close.

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Dec 15, 2016
Adequate for what my credit needs are
Brrich1 Cardholder

With ficos of 767, 760 and 749. I was asked buy letter to send in additional information twice it was like pulling teeth to get this card and quite frankly if a hard inquiry hadn't already been pulled on my account when I applied I would not have spent the time. In the end I was approved for a 15K credit line which is fine I have not use the card but will start using it to acquire the 50,000 Point bonus immediately which I should have complete in 30 days, so I can comment on the Travel benefits because I haven't used them yet I'm concerned that other users report the continued decline of the benefits let's hope that that does not continue but I will report back also I've read many accounts of for customer service I try not to use customer support and do everything I need online we'll see how that works out with this card. I'm going to give it three stars now because I don't know how it's going to play out.

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Dec 17, 2016

This card does impress me. If I wasn't already hooked up with Chase, I'd give it a shot. I hope it works out well for you. :)

Nov 30, 2016
Do you earn 2X miles on first $3000?
Kberlyk Cardholder

This is a question as opposed to a review, I'm sure it belongs somewhere else but I'm not really sure where yet... Open to suggestions. For those of you who've already been using the card, did you learn the two times miles for the $3,000 that you charged in the first 90 days toward the bonus miles? In other words, did you earn 6000 miles plus the 50,000 bonus miles when you charged $3,000 within the first 90 days?

A more complicated question that I hope will make sense, can you use the card to charge your first $3,000 for travel purchases for an upcoming trip and then turn around and redeem your miles with the 50,000 bonus miles for those same travel purchases as long as it's within 120 days of booking the travel?

Thank you.

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Nov 04, 2016
rgunn25 Cardholder

Really enjoyed this card and the flexibility it provided.  The website was a little strange when I first received the card, but it has improved noticably.  My complaint is that they lied to me as a customer.

They posted on my online account that I may have been subjected to fraud.  This was a lie.  I was not, there were no indications that I had any false purchases, and it was inconsistent with the way they had treated previous fraud alerts.  Like many other customers, I had simple transactions (such as at a coffee stand one block away from my work in downtown SF) denied.  My online account alerted me of potential fraud, and I was allowed to confirm the transactions as valid so that they would no longer decline in the future.

However, this last time, there was no denied charges, no indication of fraud, no warnings.  I was simply issued a new card because there was "suspected fraud" on my account.  This was a lie as the company was forcing a new chipped card onto me.  To some people that may not be a bad thing, but to me it is.  I hate the new chip technology.  It takes WAY TOO LONG to complete simple transactions.  It may make it harder to commit hacking and fraud, but it certainly does not stop it.  And if you frequent a business without the chip reader, you have to use the mag stripe anyways.  It essentially does nothing but waste my time (waiting for my own chip as well as everyone else's chip) and pushes liability onto the merchant, rather than protecting the consumer at the credit card level (which is why I use a credit card first and foremost, and never use debit).  And surprise, this supposed fraud occurred right around October 2016, the date that most companies are fully converting to the EMV chip (or whatever the hell it is referred to as).

I had over a year left on my old card before expiration.  But they took care of that.  When confronted about this lie, they said nothing.  When a request to receive a new card without a chip was made, it was denied.  

So, in short, the rewards provide good value and flexibility.  But customer service is poor.  My supposed credit card company committed fraud against me personally, instead of protecting me from it.  So buyer beware, if you want to lied to and taken advantage of, no matter how loyal of a customer you are (I used this card for literally EVERYTHING), then this may be the card, or company, for you.  I personally am taking my business to Chase.

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Nov 21, 2016

lol so you're going to take your business to Chase and receive a nice shiny new chip card from them instead?

Oct 31, 2016
Anonymous Cardholder

Best card i ever had. I am impressed. I will trust no other banks. i just applied and got approved. thank you so much Barclaycard. You guys are the best !!!

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Sample Size: 1,875
Data Created: February 02, 2015

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Barclaycard Arrival Plus™ World Elite MasterCard®