Barclaycard Arrival World Mastercard Review

I love travelling, whether it’s for work or for fun. Whenever I travel I always make sure I have the best rewards credit cards in my wallet, so that my travel spending pays me back. I also love free money, just for signing up for credit cards.

The Barclaycard Arrival World MasterCard combines those two loves. It’s the newest travel rewards card that offers a massive sign up bonus with a low spending threshold and has a great spending rewards program. Some of the awesome features of this card include:

  • $440 signup bonus for only $3000 of spending in the first 90 days
  • No foreign transaction fees
  • No annual fee the first year
  • 2.2 points for every dollar spent on the card, good towards air travel, hotels, and rental cars
  • A free FICO score

$440 Signup Bonus

I love credit card sign up bonuses. Last year I scored a free $500 from Chase Sapphire Preferred. This year I got two free round trip tickets to Miami from American Express.

With the Barclaycard Arrival, you get 40,000 bonus points just for spending $3000 in the first 90 days of owning the card. That’s a crazy awesome bonus! If you put $100/week of gas on the card and brought $500 a month of groceries, and have $1000 of other random expenses, you’d reach that bonus threshold in only 60 days. Easy!

These 40,000 bonus points can be immediately redeemed for a $400 statement credit, meaning that your next vacation just decreased in cost by $400!

Barclaycard Arrival Rewards Program

When you use your Arrival card, every $1 of spending on the card equals 2 points. When you use the points, you get 10% of them back. So when you use the 40,000 signup bonus points, you’ll received an additional 4000 points, or $40. This yields a total of 2.2% reward point return for every dollar spent.

These rewards points can be redeemed on your statement for any “travel related expenses.” The ratio is 100 points = $1 of statement credit. Barclays defines a travel related expense as:

“Airlines, Travel Agencies & Tour Operators, Hotels, Motels & Resorts, Cruise Lines, Passenger Railways, and Car Rental Agencies”

When you book your next trip, use your Arrival card and watch the points grow. The flexibility of rewards points that you can use towards both airfare and hotels is a unique feature of the card.

Free FICO Score

An interesting benefit of this card is every cardmember is entitled to a complimentary FICO score. You have instant access to the score in your online Barclaycard account. This can be a great tool for understanding your credit if you are thinking about applying for a mortgage soon.

It should also be a bit more accurate than Credit Karma, since Barclaycard is fitting the bill to access this score. However, there are dozens of different types of credit scores, so use this for informational purposes only.

Perfect for International and Military Travelers

When you’re in the military, you may travel a lot internationally. This year I spent more time overseas than in the states, despite being based in the states. Most credit cards come with foreign transaction fees that can add up quickly.

The Barclaycard Arrival has none of those fees. You can swipe it overseas anywhere MasterCard is accepted and you’ll only pay the listed price with no foreign transaction fees.

The card also comes with free rental car insurance and trip cancellation/interruption reimbursement. Free rental car insurance is a great feature and can save you hundreds if you rent a car when you travel.

The card carries a $89 a year annual fee which is waived for the first year. The card is also offered in a no annual fee flavor, but only offers $200 of signup bonus incentive. Many card issuers including American Express and Chase are waiving annual fees for active duty military personnel under the Servicemember’s Civil Relief Act. Maybe Barclaycard will jump on that bandwagon? We will see.

My Top Three Recommendations for Achieving Financial Independence While You Serve

1. Bank with a military friendly bank, like USAA. I've been a proud member of USAA for 6 years now and have never had a better customer experience with any other bank. They charge no BS fees, refund ATM fees, and have the best auto insurance prices for military servicemembers.

2. Use a cashback credit card, like the Barclaycard Arrival World Mastercard. How does a $440 sign up bonus, NO foreign transaction fees, and 2.2% cashback on every purchase sound? Read my review to see why I love this new card.

3. Track your growing investments using Personal Capital. In order to get where you want to go, you have to know where you are. Personal Capital is like for investors. While Mint is good for tracking your expenses and getting out of debt, PC is good for seeing your wealth and investments accumulate and grow. Track your Roth TSP, Roth IRA, banking accounts, SDP, and the myriad of other accounts you have all in one place with Personal Capital. It's free and presents a beautiful graphical view of your financial situation. Join today to get the most complete picture of your finances. Read my full review here.

This entry was posted in Churning, Credit Cards, Credit Score, Money Hacks. Bookmark the permalink.

5 Responses to Barclaycard Arrival World Mastercard Review

  1. Wow – this card sounds great, and the signing bonus is really generous. Thanks for posting such a well-researched review.

  2. Mike says:

    Nice review! I’ll definitely check it out (through your link) if I switch from cash rewards to travel rewards!

  3. Pingback: 10 Best Credit Cards for Military Members - The Military Frequent Flyer

  4. Pingback: 10 best credit cards for military members | Military Finance

Leave a Reply

Your email address will not be published.

You may use these HTML tags and attributes: <a href="" title=""> <abbr title=""> <acronym title=""> <b> <blockquote cite=""> <cite> <code> <del datetime=""> <em> <i> <q cite=""> <strike> <strong>