Barclays Arrival Plus
Barclays$89 a yearWorld Elite MastercardNo foreign transaction fee
Not open to new applicants.
Already have it? Keep it if what you use each year covers the fee.
Being discontinued
With no current offer, the first year counts no welcome bonus.
| First-year value | Amount |
|---|---|
| No current offer | $0 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | $0 |
| Annual fee | −$89 |
| First year | −$89 |
| Each year after | +$56 |
Not counted in the first year: protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Everything else | 1% |
Personal card · Earns Barclays Arrival Miles
Benefits
Protections (5)
- Travel Accident Insurance, up to $250,000, Up to $250,000 coverage for death/dismemberment on common carrier when fare paid with card
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per trip, $10,000 per 12-month period for non-refundable trip costs
- Baggage Delay, up to $300, Up to $100 per day for 3 days for essential items when baggage delayed 12+ hours
- Auto Rental Collision Damage Waiver (secondary), up to $50,000, Coverage for rental car damage due to collision or theft, up to $50,000
- Cellular Telephone Protection, up to $800, Up to $800 per claim, $1,000 per card per 12-month period for damage or theft of cell phone when monthly bill is paid with card; $50 deductible per claim; up to 2 claims per year
Other Perks
- 2X miles on all purchases with no category restrictions or caps
- 5% miles back when redeeming for travel (effective 2.1% return)
- Redeem miles as statement credits against travel purchases at 1 cent per mile
- Minimum redemption: 10,000 miles ($100) for travel statement credits
- Travel redemption window: 120 days from purchase date
- Miles never expire as long as account is open and in good standing
- No blackout dates or award availability restrictions
- Chip and PIN capability (uncommon for US-issued cards)
- Complimentary monthly TransUnion FICO score
- World Elite Mastercard concierge service (24/7)
- Mastercard Luxury Hotel & Resorts portfolio benefits
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to Arrival PlusOct 8, 2026