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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: 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

Editor's Rating

4.5/5.0

(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®
Barclays Arrival™ World MasterCard®
This card is not available through ValuePenguin.
Annual Fee
No Annual Fee
Purchase APR
16.24% or 24.24% Variable
Credit Needed Excellent
Details
  • Up to $200,000 travel accident insurance
  • Trip cancellation coverage

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 60,000 mile bonus on the Arrival Plus, which will cover the annual fees on the card for over 5 years. Beyond that, you would need to spend at least $745 in non-dining & non-travel categories for the Barclaycard Arrival® Plus World Elite Mastercard® to outperform its no-annual-fee counterpart.

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 VentureOne® 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 Arrival otherwise the VentureOne® 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®

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Chase Sapphire Preferred® Card
$0 Intro for the First Year, then $95 3.00%
$625
50,000 Ultimate Rewards when you spend $4,000 on purchases in the first 3 months.
$1,028
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for the First Year, then $95
APR 17.74% - 24.74% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Capital One® Venture® Rewards Credit Card
$0 intro for first year; $95 after that 3.18%
$500
Receive 50,000 miles once you spend $3,000 within the first 3 months
$1,091
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,091

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 intro for first year; $95 after that
APR 14.74% - 24.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel
  • Earn 2X miles on every purchase, every day. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Named ‘The Best Travel Card' by CNBC, 2018
  • Receive up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Fly any airline, stay at any hotel, anytime; no blackout dates
  • Miles won't expire for the life of the account and there's no limit to how many you can earn
  • No foreign transaction fees
  • $0 intro annual fee for the first year; $95 after that

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Capital One® Quicksilver® Card
$0 1.94%
$150
Get $150 bonus after spending $500 within the first 3 months
$665
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 515 x $1 = $515
Bonuses
0 x $1 = $150
Total Net Estimated Rewards Through 24 Months 665

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 14.74% - 24.74% (Variable)

Card Details

  • One-time $150 cash bonus after you spend $500 on purchases within 3 months from account opening
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • 0% intro APR on purchases for 15 months; 14.74%-24.74% variable APR after that
  • 0% intro APR on balance transfers for 15 months; 14.74%-24.74% variable APR after that; 3% fee on the amounts transferred within the first 15 months
  • Pay no annual fee or foreign transaction fees

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

Barclaycard Arrival® Plus World Elite Mastercard®
$89 (waived first year) 1.84%
$0
60,000 bonus miles after spending $5,000 on purchases in the first 90 days (a $600 value)
$632
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $721
Less Annual Fees -$89
Total Net Estimated Rewards Through 24 Months 632

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89 (waived first year)
APR 17.99%, 21.99% or 24.99% variable based on your creditworthiness

Card Details

  • Enjoy 60,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
  • See Rates & Fees
Capital One® VentureOne® Rewards Credit Card
$0 1.83%
$200
Receive 20,000 miles once you spend $1,000 within the first 3 months
$629
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 42,900 x $0.01 = $429
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 629

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.74% - 23.74% (Variable)

Card Details

  • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within 3 months from account opening, equal to $200 in travel
  • Earn 1.25X miles on every purchase, every day and pay no annual fee. Plus earn 10X miles on thousands of hotels; learn more at hotels.com/venture
  • Fly any airline, stay at any hotel, anytime
  • Enjoy a low intro APR on purchases for 12 months; 13.74%-23.74% variable APR after that
  • Travel when you want with no blackout dates
  • No foreign transaction fees
  • Miles won't expire for the life of the account and there's no limit to how many you can earn

Note: The information in this box was provided by Capital One® and is not part of our independent analysis.

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, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit 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, and Starwood Preferred Guest® American Express Luxury 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 here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Advertiser Disclosure: Some of the offers that appear on this website are from companies which ValuePenguin receives compensation. This compensation may impact how and where offers 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. For more information please see our Advertiser Disclosure.