Credit cards often get a bad reputation. People are understandably nervous about taking on debt, so they’ll pay for everything in cash and skip credit. And this line of thought is increasingly common. In fact, one study found that 60 percent of millennials do not have a credit card.
But while it’s smart to be debt adverse, refusing to have a credit card can cost you. Using only cash means you’re missing out on valuable cash back, travel points, or other rewards.
But with so many cards to choose from, knowing which is the best fit for your needs can be a challenge. The Barclaycard Arrival Plus World Elite card is a great choice for anyone looking for a simple option to earn and redeem points for free flights and hotels.
It’s perfect for a new or aspiring travel hacker. Below, learn how this card works, what it costs, and how much you can earn from your everyday purchases.
Barclaycard Arrival Plus World Elite review
The Barclaycard Arrival Plus World Elite card is a smart choice for those who love to travel. Offering generous rewards and bonus offers, using the card is an easy way to get discounted airfare.
Earning points with the Barclaycard Arrival Plus is easy. Customers earn two airline miles for every dollar you spend. There are no confusing rotating categories to worry about. Whether you use it pay your utility bill or to buy groceries, you receive two airline miles per dollar regardless of what you purchase.
For a limited time, you can also earn 50,000 bonus points after spending $3,000 on purchases in the first 90 days after opening a new account. Those 50,000 points translate to $500 in free travel with this card!
With the $500 bonus plus the points you earn from everyday spending, you’re on the way to a trip for two nearly anywhere in America without spending a dollar out of pocket. How cool is that?
According to Time Money, the average college grad spends around $1,500 per month on transportation, food, and entertainment. That’s $18,000 per year in expenses that could be charged to a credit card. And it’s money you would be spending anyway. By using a credit card instead of only relying on your checking account, you can get valuable rewards. And if you pay off the balance in full, you get all of the benefits without the drawback of interest charges.
If you spend that amount each year, you would earn 36,000 points per year. That’s enough for $360 in free travel annually. If you take into account the 5% redemption bonus, it’s $378 per year — plenty for a plane ticket to nearly any major city in the country.
Unlike more complex reward programs, the Barclaycard Arrival Plus World Elite card does not require transferring points to travel partners or booking through special portals.
Moving points to travel partners often subjects you to date restrictions, and portals offer more limited travel options. This card lets you use your points for any travel-related purchase you want.
You can redeem points from this card as a statement credit. Statement credits are treated like payments you make to the card; they simply lower your bill for the next month. If you end up with a credit balance, you can spend it through regular purchases or request a refund check.
Any time you make an eligible travel-related purchase, you have the option to redeem rewards to pay for that cost. This allows you to book directly through hotel, airline, cruise, and other travel websites and still use your points.
These are the transaction categories eligible for travel reward redemptions: airlines, hotels, motels, timeshares, campgrounds, car rental agencies, cruise lines, purchase and travel agencies, discount travel sites, trains, buses, taxis, limousines, and ferries.
If you redeem points for an eligible travel purchase, you get an extra 5% point bonus deposited into your account.
For example, let’s say you just booked a flight on an airline website for $200. You decide to use 20,000 points to make the flight free. When you redeem at the Barclaycard website, you will get $200 refunded to your card through statement credits and you’ll get 1,000 points (5% of 20,000) deposited into your account for a future redemption.
Barclaycard Arrival Plus interest rates and fees
This card charges a $89 annual fee (waived the first year), but don’t be discouraged by the cost. If you love to travel, the card’s benefits offset the annual fee. It’s easy to get much more than $89 in value from this card each year.
You would get the annual fee’s value back after racking up 8,900 points. Because you earn two miles for every dollar you spend, that means you only need to spend $4,450 using the card a year to break even. If you use the card for routine expenses like groceries or gas, it’s easy to meet that number.
This card also comes with a 12-month 0% APR period for balance transfers. If you want to consolidate and eliminate debt, carefully using 0% APR intro periods like this can save you a ton of money on interest.
You can avoid interest charges if you pay your balance in full each month, which is always advisable.
Barclaycard Arrival Plus eligibility requirements
This card is designed for people with good to excellent credit. According to Credit.com’s credit card rankings, that means your credit score has to be at least 700 to be eligible for the card. If you have a history of missed or late payments, bankruptcy, or collections, you may not be approved for this card.
If you are not quite in the eligible range for this card, work on improving your credit score by ensuring you pay all of your bills on time and paying down debt. In a few months, you can boost your score and increase your chances of getting approved.
Barclaycard Arrival Plus contact
The best option to get more information is to visit the Barclaycard Arrival Plus World Elite website. Customers can access automated phone support at 877-523-0478 and general customer support at 866-928-8598.
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