Who out there likes to get someone else to help pay for their vacations, especially when little is required on your part? If you find yourself in that camp, then you may find a great option in my BarclayCard Arrival World MasterCard review. If you’ve read many personal finance blogs then you’ll know that credit card churning is a popular topic and now that we’ve funded two trips off of rewards points I can understand why.
I found myself in a situation several months ago after we signed up to attend FinCon, a conference for personal finance bloggers, with an unexpected $400+ hotel expense. I wanted to find a way to avoid having to pay for that out of pocket. This is where the Barclaycard Arrival World MasterCard comes into play. While I have never taken the dive into taking advantage of earning credit card rewards on a big scale, this card has definitely swayed me to the dark side with the rewards they offer. Before I get into the nitty gritty of the Barclaycard Arrival World MasterCard review I would like to state that if credit card debt is an issue you currently struggle with, then I would not encourage you to sign up for credit cards in order to earn rewards but only do so if you plan on paying your credit cards in full each month. That said, I think you may find a great option in a new rewards card after reading my review of the Barclaycard Arrival World MasterCard.
Related: If you’re looking for more travel rewards, then check out my Priceline Rewards Visa review.
Awesome Features of the Barclaycard Arrival World MasterCard
- You can earn up to 40,000 bonus miles after spending at least $1,000 the first 90 days after opening your Barclaycard Arrival World MasterCard. This equates to a cool $400 that can be applied to flights, hotels, cruises, car rentals and more. There is one caveat to this. There are two card options (which I will get into later) that allow you to earn either 20,000 (the Barclaycard Arrival World Mastercard – Earn 1x on all purchases) or 40,000 bonus miles (the Barclaycard Arrival World Mastercard – Earn 2x on all purchases).
- There is an introductory 0% APR for the first 12 months and 14.99% - 18.99%* Variable rate thereafter.
- The Barclaycard Arrival World MasterCard has no mileage caps or foreign transaction fees.
- You can earn 2X miles on travel and dining purchases and 1X miles on every other purchase.
- Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates. How great is that?!
- You get 10% of your miles back when you redeem for travel. So, the Barclaycard Arrival World MasterCard gives you 1,000 miles back if you redeem 10,000 miles.
- You get your FICO score for free being a Barclaycard Arrival World Mastercard card holder. Through opting in, you get access to it on your online account.
Features are only as good as the benefit you can see them giving you, so I am going to share some of the biggest benefits I see with the features of the Barclaycard Arrival World Mastercard. The one that jumps off the page to me is the ability to get up to $440 in reward points towards my next trip just by spending $1,000 in the first 90 days. The other benefit is that I can take this trip whenever I want to without having to clear it with them first. This is perfect for our trip to FinCon and with Mrs. Frugal Rules signing up for the credit card as well, it means we’ll have enough rewards points to afford the hotel stay for FinCon AND a long weekend trip with the kiddos sometime this summer.
Drawbacks of the Barclaycard Arrival World MasterCard
- The main drawback to the Barclaycard Arrival World Mastercard is the two card option. The first one has no annual fee and earns you 20,000 bonus miles after spending $1,000 in the first 90 days. The second card doubles that bonus mileage, but comes with an $89 annual fee. For those choking after reading that last sentence, the annual fee is waived for the first year.
- The interest rate is variable between a current rate of 14.99% or 18.99%. If you read my Discover it® card review it is still a competitive rate, but still variable none the less.
My Take on the Card
Beyond the annual fee issue, the Barclaycard Arrival World MasterCard has virtually no fees associated with it. They offer a very nice rewards system that has no blackout dates or restrictions to boot and was thus a no brainer for me to sign up for. I know the argument behind not using credit cards to get rewards points is that you may end up spending more. I will say that if that is a temptation of yours, then getting the Barclaycard Arrival World MasterCard is likely not something you should do. That said, we’re disciplined enough in our spending that I’m not concerned about us falling into the temptation of overspending. By shifting from buying groceries in cash to the credit card and paying for gas with this credit card, we easily spent the $1,000 well before the 90 days were up. If you do apply for the Barclaycard Arrival World MasterCard, you will be given the option at sign up as to which card you want to choose – the annual fee or no annual fee card.
We became so excited about earning enough points to pay for our FinCon lodging costs that we’re working on another credit card that will earn us enough to pay for nearly the entire trip we’ll be taking in January for my birthday! I know that earning credit card rewards may not be for everyone, but if you’re looking for a nice way to get someone else to pay towards that vacation, then this could be a great option for you.
Do you like to take advantage of credit card rewards points like those available through the Barclaycard Arrival World Mastercard? If so, what’s your favorite new one, I want to know!