Advertiser Disclosure: Some of the card offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). The site does not review or include all companies or all available products.

Disclaimer: The editorial content on this page is not provided by any of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone. For a full list of our advertisers, see our disclosure page.

Barclays Arrival World Mastercard: A Good No Annual Fee Travel Card

Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.
Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.

Barclays Arrival World Mastercard: A Good No Annual Fee Travel Card

In the world of no-annual-fee travel rewards cards, this is one of the best.
Editor's Rating: 4.5/5.0
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.5/5.0

Editorial Note: The editorial content on this page is not provided or commissioned by any financial institution. Any opinions, analyses, reviews, statements or recommendations expressed in this article are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any of these entities prior to publication. This site may be compensated through a credit card partnership.

(Note: This article reviews the no fee Barclays Arrival™ World MasterCard®. For the $89 annual fee version see our review Barclaycard Arrival Plus® World Elite Mastercard®)

The Barclays Arrival™ World MasterCard® is one of the best no-annual-fee credit cards, with a 2.1% rewards rate. Despite recent changes to the card’s benefits structure (such as the reduction of the redemption bonus from 10% to 5%), we believe this card still is worth its weight in gold, especially for consumers who spend less than $1,000 month-to-month. Due to the value it offers, the Barclays Arrival™ World MasterCard® made our list of top rewards credit cards and top travel credit cards.

Pros

  • Great travel rewards on dining and travel purchases
  • No annual fee + no foreign transaction fees combo

Cons

  • Minimum $100 redemption requirement

Review: A Good Annual Fee Free Option for Travel Rewards

The Barclays Arrival™ World MasterCard® is one of our favorite no annual fee travel card with cardholders earning a 1.05% - 2.1% rewards rate on their purchases. Among ‘no annual fee’ travel credit cards, this is a very competitive rewards rate, with the only better options coming from cards with significant annual fees. Consumers spending under $10,000 a year on their credit cards and those for whom travel or dining making up a significant amount of their spending, the Barclays Arrival™ World MasterCard® is a pretty good option. However, if you spend significantly more and have more balanced spending, consider the Barclaycard Arrival Plus® World Elite Mastercard®, our pick for best ‘everyday credit card’.

A recent change to the rewards structure of both Barclays Arrival cards has made redeeming miles a little more difficult process. You now need to accumulate a minimum of $100 in reward miles before you can redeem them. This limits cardholders’ abilities to use the card’s rewards to pay for smaller day-to-day expenses, such as taxi rides or hotel room upgrades. For individuals who do not mind waiting to accumulate the miles necessary for redemption, this change may not prove benign.

The Barclays Arrival™ World MasterCard® is one of the few credit cards to come with both no annual fee and no foreign transaction fees – a major strength. Individuals who travel abroad, but don’t spend enough to justify getting an annual fee credit card, have the ability to use this card on their travels, without having to pay a 3% fee common on many other credit cards of this type.

Barclays Arrival™ World MasterCard® Benefits And Rewards

Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.
Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.

Barclays Arrival™ World MasterCard®

Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.
Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.
20,000 bonus miles when you spend $1,000 in the first 90 days
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage
Annual Fee
No Annual Fee
APR
16.24% or 24.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

In Depth Analysis: Barclays Arrival™ World MasterCard®

To give you a better understanding of the Barclays Arrival™ World MasterCard®, we break down the card and its features in a more in depth analysis. Continue onward to see the card features and how we go about evaluating the card.

Calculating the Rewards Rate: 1.05% - 2.1%

The Arrival World rewards you with 2 miles on every dollar spent on travel or dining and 1 mile for every dollar spent otherwise. With points usable as statement credits against travel the rewards you earn have a value of 1 penny per mile.  For general spending the card will net you 1% in rewards and 2% when used in the bonus categories. If you include the 5% redemption bonus that you will receive when you redeem these rewards for travel, the card will net you a rewards rate in the range of 1.1 to 2.2%. 

Below is a graph detailing how this card’s rewards rate compares to its competitors.

This graph compares the rewards rate you could earn with the Arrival World Mastercard to a few other competing credit card options available to consumers

Outside of the rewards earned through ordinary spending, the Barclays Arrival™ World MasterCard® comes with a 20,000 mile welcome bonus. In order to qualify, cardholders must spend at least $1,000 on purchases in the first 90 days of membership. Balance transfers, cash advances, and fees do not count towards this $1,000 minimum. Barclays estimates the value of this bonus to be around $200 (if redeemed on travel statement credit).

5% Travel Redemption Bonus

A twentieth of all the miles you redeem towards awards travel will be returned back to you with the Arrival World. This effectively improves the rewards rate on the credit by 5%, assuming you use the card for travel expenses.

Barclays is more generous than most other issuers when it comes to labeling purchases as “travel”. Everything from taxis, timeshares, and bus fares are among the things which can be categorized under “travel” and thus earn users the 5% redemption bonus. The table below provides all the other items which Barclays includes in its list.

Spending Categories Under Travel

Airlines

HotelsMotels

Car Rental Agencies

Travel AgenciesDiscount Travel Sites

Taxis

LimousinesFerries

Timeshares

TrainsCruise Lines

Campgrounds

Buses

How does the Barclays Arrival™ World MasterCard® compare to other no fee travel cards?

In order to get a better feel for the value of the Barclays Arrival™ World MasterCard®, it is imperative to compare it to the other available options. Below we detail how this card fares against other leading credit cards.

Barclays Arrival™ World MasterCard® vs Barclaycard Arrival Plus® World Elite Mastercard®

The Barclaycard Arrival Plus® World Elite Mastercard® is one of the best credit cards available to individuals with a wide array of spending. If you spend at least $5,000 in the first 90 days, you can qualify for the 70,000 mile bonus on the Arrival Plus, which will cover the annual fees on the card for over 5 years.

Barclays Arrival™ World MasterCard® vs Capital One® VentureOne® Rewards Credit Card

The Capital One® VentureOne® Rewards Credit Card is designed somewhat differently with a flat rewards rate structure of 1.25 miles per dollar spent on all categories. For general spending the Capital One® VentureOne® Rewards Credit Card is definitely the better choice, but performs more poorly if you have greater spending in dining and travel. If more than 25% of your spending is in the dining and travel categories, go with the Barclays Arrival™ World MasterCard® otherwise the Capital One® VentureOne® Rewards Credit Card will come out ahead. If you care about add-on features, then Capital One® cards have the benefit of offering cardmembers complimentary credit scores.

The Capital One® VentureOne® Rewards Credit Card currently awards 10x miles on purchases made through hotels.com/Venture. This promotion ends January 31, 2020.

Comparing The Barclays Arrival™ World MasterCard®

To help you see how this card stacks up against the competition use our credit card model to project the types of rewards you would earn with the Barclays Arrival™ World MasterCard®

Image
Assumptions based on $1,430 monthly spend
Monthly spending:
$
$
$
$
$
$
$
$
{"cardCategory":"rewards","cardIds":"\u201c194,195,163,162,197\u201d","initialResultsLimit":14,"endpoint":"https:\/\/creditcards.valuepenguin.com\/api\/creditcards\/models\/rewards","onCurrent":"true"}

Comments and Questions

Opinions, analyses, reviews, or recommendations expressed here are the author's alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer's Affiliate Program. For a full list of our advertisers see our disclosure page

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: Premier Rewards Gold Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Amex EveryDay® Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, Amazon Business American Express Card, and Marriott Bonvoy Brilliant™ American Express® Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates are ValuePenguin's alone and for illustrative purposes only. The estimates are not a guarantee, agreement, or commitment to redemption amounts and may not have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).