Barclaycard Arrival Plus: excellent for travel redemptions, terrible for cash back

14

Update: This card now earns a 5% point rebate when redeeming miles.

In the recent post “The single best credit card and why my favorite cards didn’t make the list,” I made a mistake.  I originally said that the Arrival Plus card earns 2.2% towards travel and 2% towards everything else.  Well, not so much.  Readers promptly corrected me and I edited the post.  Yes, when redeeming for travel, the card effectively gives you 2.2% now 2.1% rewards as follows:

  1. All purchases earn 2 points per dollar.
  2. Points can be redeemed for statement credit against travel expenses at a rate of 1 cent per point.
  3. When you redeem for travel expenses, you are given a 10% 5% point rebate.

So, if you spend $10,000 on the card, you’ll earn 20,000 points.  Those points can be used to pay for $200 worth of travel, and then you’ll get 1000 points back, which in turn can be used to pay for $10 worth of travel (which would then earn a rebate of 50 points good for $0.50 worth of travel, etc).  However, keep in mind that the minimum number of points that can be used for a redemption is 10,000 — meaning that you must redeem points for travel expenses totaling $100 or more.

What if you prefer cash?  In that case, you can redeem points for half a cent each.  If you do that, the card gives you only 1% cash back for your purchases.  Given that there are no-fee cards that offer 1.5% cash back, that’s a really terrible redemption.

The morals of the story are:

  1. Always use the Arrival Plus card points for travel redemptions.
  2. Always do research before writing a blog post.  I’m not promising anything though…

 

Email:*
Please enter all required fields Click to hide
Correct invalid entries Click to hide
Subscribe
Notify of
guest

This site uses Akismet to reduce spam. Learn how your comment data is processed.

14 Comments
oldest
newest most voted
Inline Feedbacks
View all comments