Barclaycard Arrival Plus™ World Elite Mastercard®

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susa
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Barclaycard Arrival Plus™ World Elite Mastercard®

Post by susa » Sat Dec 08, 2018 6:37 pm

Just applied online (..and got approval + email from bank) for the Barclaycard Arrival Plus™ World Elite Mastercard®.

While it has the "spend 5,000 in 90 days, receive 70,000 points" offer, it was not clear immediately if these points convert to a cash back ($700) to account -or- if they can be redeemed only toward travel.

Would anyone here know ?

awval999
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by awval999 » Sat Dec 08, 2018 6:39 pm

You have to redeem them against a purchase that codes as travel. The miles are redeemed as an account credit.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by oldcomputerguy » Sat Dec 08, 2018 6:41 pm

The official rules for redeeming points from this card can be found here.
It’s taken me a lot of years, but I’ve come around to this: If you’re dumb, surround yourself with smart people. And if you’re smart, surround yourself with smart people who disagree with you.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by susa » Sat Dec 08, 2018 8:13 pm

Looks like cash back is possible, no need to redeem against travel
You also have the option to redeem your miles for cash back statement credits, gift cards and merchandise.

Jags4186
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Jags4186 » Sat Dec 08, 2018 8:20 pm

You can redeem for cashback, but you will get 50% the value.

Here’s what you do. Book a very expensive refundable airline ticket. Redeem your points towards this charge. Then cancel the ticket and get a refund.

I recommend JetBlue as they let you cancel online very easily.

02nz
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by 02nz » Sat Dec 08, 2018 8:30 pm

I have this card and don't love the way they have you redeem the "miles." They're not really miles but points that can be redeemed for statement credits against travel purchases. So if you have 70,000 points, and you make a $500 travel purchase, after the purchase posts you can redeem 50,000 points for a $500 statement credit. But it has to be in a travel category, you have to redeem for at least $100, and you only have a limited time window (I think 90 days within the purchase) during which you can redeem against that purchase. You do get a 5% rebate on redemptions, so in the above example you get 2,500 points back.

Capital One has similar cards that are marketed as "miles" cards but in reality just cash back on travel. But Capital One's redemption system is much more straightforward, without Barclay's ridiculous rules.

02nz
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by 02nz » Sat Dec 08, 2018 8:32 pm

Jags4186 wrote:
Sat Dec 08, 2018 8:20 pm
You can redeem for cashback, but you will get 50% the value.

Here’s what you do. Book a very expensive refundable airline ticket. Redeem your points towards this charge. Then cancel the ticket and get a refund.

I recommend JetBlue as they let you cancel online very easily.
I've done that too, but with unrestricted (not just flexible, which carry penalties) fares on United, or with prepaid hotel sites (e.g. Hotels.com) with rates that are free to cancel (usually up to 1 or 2 days before check-in, but pay close attention as there are also nonrefundable rates).

MotoTrojan
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by MotoTrojan » Sat Dec 08, 2018 8:40 pm

For those that travel frequently this and similar cards (Cap1 Venture) are much easier to manage than booking through a travel portal etc. Not as easy as cashback but $700 for doing nothing (assuming you spend >$2000 a month) is a sweet deal.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sat Dec 15, 2018 12:43 pm

This card has so many redemption obstacles!

Nice part about the current $700 offer is that the annual fee is waived for a year.

This card offers me zero ongoing value after the sign-up bonus, only frustration, and will not survive into its second year in my credit card portfolio.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by MotoTrojan » Sat Dec 15, 2018 12:46 pm

Trism wrote:
Sat Dec 15, 2018 12:43 pm
This card has so many redemption obstacles!

Nice part about the current $700 offer is that the annual fee is waived for a year.

This card offers me zero ongoing value after the sign-up bonus, only frustration, and will not survive into its second year in my credit card portfolio.
It’s literally the easiest way to redeem for travel, no? Book yourself and get refunded.

Trism
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sat Dec 15, 2018 1:06 pm

MotoTrojan wrote:
Sat Dec 15, 2018 12:46 pm
Trism wrote:
Sat Dec 15, 2018 12:43 pm
This card has so many redemption obstacles!

Nice part about the current $700 offer is that the annual fee is waived for a year.

This card offers me zero ongoing value after the sign-up bonus, only frustration, and will not survive into its second year in my credit card portfolio.
It’s literally the easiest way to redeem for travel, no? Book yourself and get refunded.
1 - The minimum redemption is $100. If you have fewer than 10,000 points there is nothing you can do with them. Even $99 worth of points.

2 - Travel redemptions can only be made against purchases made in the previous 120 days. So if you want to close the account but haven't put a travel charge on the card in four months... well... sucks to be you.

3 -If you do a partial redemption against a charge, you cannot do another partial redemption later on the same charge (even against the portion that you didn't cover with your previous redemption).

4 - For partial-charge redemptions, the Barclays web site will tell you how many points you are allowed redeem. You may have 10,974 points sitting in your account, but when you try to do a partial redemption against a $200 charge it will only let you use exactly 10,000 points. So you have 974 points left. Now what? See #1.

This is off the top of my head. I'm sure there is more.

Horrible card.

rj49
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by rj49 » Sat Dec 15, 2018 1:40 pm

I prefer the simplicity of the Uber visa card (also run by Barclay)--3% back on lodging and flights, 4% back on meals/bars, 2% on online shopping, cell phone insurance, and $50 credit for Amazon Prime or Netflix once you reach $5000 in spending (which effectively make the rate 4% for travel). No portals, redemption at $25, and I can combine it with cashback sites like befrugal that add another 2-12% cashback for travel sites. I also like that their web site shows how many points I earn next to each purchase, so I know I'm getting proper credit.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by munemaker » Sat Dec 15, 2018 3:00 pm

Trism wrote:
Sat Dec 15, 2018 1:06 pm

Horrible card.
Counterpoint: I had this card a few years ago, milked it for the rewards (not sure if it was $700 back then, might have been $500?) and closed it before the fee. Then, immediately my wife got the same card and we repeated the exercise. It was an easy $1,000+, I think.

If you travel, it is pretty painless to collect the rewards. If you don't travel much, you might struggle.

This thread made me think about applying again. Hopefully they will give us each another card after a few years have passed (or maybe they hold a grudge).

Trism
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sat Dec 15, 2018 3:19 pm

munemaker wrote:
Sat Dec 15, 2018 3:00 pm
Trism wrote:
Sat Dec 15, 2018 1:06 pm

Horrible card.
Counterpoint: I had this card a few years ago, milked it for the rewards (not sure if it was $700 back then, might have been $500?) and closed it before the fee. Then, immediately my wife got the same card and we repeated the exercise. It was an easy $1,000+, I think.

If you travel, it is pretty painless to collect the rewards. If you don't travel much, you might struggle.

This thread made me think about applying again. Hopefully they will give us each another card after a few years have passed (or maybe they hold a grudge).
Definitely get the signup bonus, cash out, and then shove it into the drawer until the AF posts.

Suggesting that I put any meaningful travel spending (100,000+ miles flown and dozens of hotel nights in a given year) on a 2% card is blasphemy. :)

fmhealth
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by fmhealth » Sat Dec 15, 2018 3:45 pm

On the positive side they are very liberal with the sign-up bonuses. Case in point is that six weeks ago I signed on for the 60,000 point bonus. They recently came out with a 70,000 bonus. I called & they gave me the extra 10,000 points. I enjoy this customer-centric approach.

I'll be sticking with them for the foreseeable future.

Be Well,
fmhealth

TravelGeek
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by TravelGeek » Sat Dec 15, 2018 4:56 pm

Anyone know how long it takes after approval to get the actual card? I got instant approval and the card appeared immediately in my existing Barclays account. I did not opt for the $15 express delivery.

catscadia
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by catscadia » Sun Dec 16, 2018 1:21 pm

fmhealth wrote:
Sat Dec 15, 2018 3:45 pm
On the positive side they are very liberal with the sign-up bonuses. Case in point is that six weeks ago I signed on for the 60,000 point bonus. They recently came out with a 70,000 bonus. I called & they gave me the extra 10,000 points. I enjoy this customer-centric approach.

I'll be sticking with them for the foreseeable future.

Be Well,
fmhealth
I attempted to call in, and send SM's multiple times for a match and they denied me every time. I applied for the card 3 days before they increased the bonus. Pretty lame.


That said, I got the minimum spend finished already and already received my bonus. I paid off all my charges as I got them. One of the charges was a big Airbnb bill, which it says I can redeem my points for. Since I've already technically paid the charge, if I redeem my points for this travel charge, will I just get a statement credit for future purchases since my balance is currently $0? Or does it only work if I've not yet paid the charges.

fmhealth
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by fmhealth » Sun Dec 16, 2018 5:09 pm

Cat, if that response was directed towards me, I'm sorry, I don't know the answer. I'm simply building my points to 100,00 in order to payoff part of a family cruise we have scheduled for March. I've never redeemed any points at this points in time.

Be Well,
fmhealth

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by hale2 » Mon Dec 17, 2018 2:23 pm

TravelGeek wrote:
Sat Dec 15, 2018 4:56 pm
Anyone know how long it takes after approval to get the actual card? I got instant approval and the card appeared immediately in my existing Barclays account. I did not opt for the $15 express delivery.
It took about a week.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by 02nz » Mon Dec 17, 2018 2:40 pm

catscadia wrote:
Sun Dec 16, 2018 1:21 pm
That said, I got the minimum spend finished already and already received my bonus. I paid off all my charges as I got them. One of the charges was a big Airbnb bill, which it says I can redeem my points for. Since I've already technically paid the charge, if I redeem my points for this travel charge, will I just get a statement credit for future purchases since my balance is currently $0? Or does it only work if I've not yet paid the charges.
The redemption system doesn't care (or even track) which charges you've paid. So you get a statement credit and make future purchases, or if you don't plan to put more charges on the card, just call and ask them to refund the credit balance.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sun Dec 30, 2018 7:58 am

I should add that Barclays only approved my Arrival+ with a $5,000 credit line, which is woefully inedequate. Within two hours of activating the card I only had $49.xx in available credit.

I have one other Barclays card with a $45,000 limit. I've made more then $50,000 in purchases on the other card in each of the past three years.

No single issuer has extended me less total revolving credit than Barclays.

FICOs are in the 830s and 840s, I'm carrying no revolving debt, zero non-mortgage debt, and we have strong HHI by most people's measures.

Perhaps they don't like me because I don't carry balances/pay interest.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by munemaker » Sun Dec 30, 2018 8:28 am

Trism wrote:
Sun Dec 30, 2018 7:58 am
I should add that Barclays only approved my Arrival+ with a $5,000 credit line, which is woefully inedequate. Within two hours of activating the card I only had $49.xx in available credit.

I have one other Barclays card with a $45,000 limit. I've made more then $50,000 in purchases on the other card in each of the past three years.

No single issuer has extended me less total revolving credit than Barclays.

FICOs are in the 830s and 840s, I'm carrying no revolving debt, zero non-mortgage debt, and we have strong HHI by most people's measures.

Perhaps they don't like me because I don't carry balances/pay interest.
Not hard to understand: The reason they only gave you a $5,000 line is because they have already extended you $45,000 on another card. That means they have given you $50,000 credit in total. If you ask them, they may be willing to decrease the $45,000 line while making a corresponding increase in the $5,000 line.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by MotoTrojan » Sun Dec 30, 2018 8:29 am

Trism wrote:
Sat Dec 15, 2018 3:19 pm
munemaker wrote:
Sat Dec 15, 2018 3:00 pm
Trism wrote:
Sat Dec 15, 2018 1:06 pm

Horrible card.
Counterpoint: I had this card a few years ago, milked it for the rewards (not sure if it was $700 back then, might have been $500?) and closed it before the fee. Then, immediately my wife got the same card and we repeated the exercise. It was an easy $1,000+, I think.

If you travel, it is pretty painless to collect the rewards. If you don't travel much, you might struggle.

This thread made me think about applying again. Hopefully they will give us each another card after a few years have passed (or maybe they hold a grudge).
Definitely get the signup bonus, cash out, and then shove it into the drawer until the AF posts.

Suggesting that I put any meaningful travel spending (100,000+ miles flown and dozens of hotel nights in a given year) on a 2% card is blasphemy. :)
Why pay the AF at all?

Trism
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sun Dec 30, 2018 8:48 am

munemaker wrote:
Sun Dec 30, 2018 8:28 am
Trism wrote:
Sun Dec 30, 2018 7:58 am
I should add that Barclays only approved my Arrival+ with a $5,000 credit line, which is woefully inedequate. Within two hours of activating the card I only had $49.xx in available credit.

I have one other Barclays card with a $45,000 limit. I've made more then $50,000 in purchases on the other card in each of the past three years.

No single issuer has extended me less total revolving credit than Barclays.

FICOs are in the 830s and 840s, I'm carrying no revolving debt, zero non-mortgage debt, and we have strong HHI by most people's measures.

Perhaps they don't like me because I don't carry balances/pay interest.
Not hard to understand: The reason they only gave you a $5,000 line is because they have already extended you $45,000 on another card. That means they have given you $50,000 credit in total. If you ask them, they may be willing to decrease the $45,000 line while making a corresponding increase in the $5,000 line.
On the other end of the spectrum, Amex has extended ~$200,000 revolving across my personal cards (plus whatever additional headroom I have on my NPSLs).

$50,000 total on two cards from a single issuer is bush league for someone with perfect credit, strong income, and a demonstrated history of loyalty to the issuer.

Barclays is bottom of the barrel for me in this area.

Trism
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sun Dec 30, 2018 8:50 am

MotoTrojan wrote:
Sun Dec 30, 2018 8:29 am
Trism wrote:
Sat Dec 15, 2018 3:19 pm
munemaker wrote:
Sat Dec 15, 2018 3:00 pm
Trism wrote:
Sat Dec 15, 2018 1:06 pm

Horrible card.
Counterpoint: I had this card a few years ago, milked it for the rewards (not sure if it was $700 back then, might have been $500?) and closed it before the fee. Then, immediately my wife got the same card and we repeated the exercise. It was an easy $1,000+, I think.

If you travel, it is pretty painless to collect the rewards. If you don't travel much, you might struggle.

This thread made me think about applying again. Hopefully they will give us each another card after a few years have passed (or maybe they hold a grudge).
Definitely get the signup bonus, cash out, and then shove it into the drawer until the AF posts.

Suggesting that I put any meaningful travel spending (100,000+ miles flown and dozens of hotel nights in a given year) on a 2% card is blasphemy. :)
Why pay the AF at all?
Where did I suggest paying the AF?

MotoTrojan
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by MotoTrojan » Sun Dec 30, 2018 9:41 am

Trism wrote:
Sun Dec 30, 2018 8:50 am
MotoTrojan wrote:
Sun Dec 30, 2018 8:29 am
Trism wrote:
Sat Dec 15, 2018 3:19 pm
munemaker wrote:
Sat Dec 15, 2018 3:00 pm
Trism wrote:
Sat Dec 15, 2018 1:06 pm

Horrible card.
Counterpoint: I had this card a few years ago, milked it for the rewards (not sure if it was $700 back then, might have been $500?) and closed it before the fee. Then, immediately my wife got the same card and we repeated the exercise. It was an easy $1,000+, I think.

If you travel, it is pretty painless to collect the rewards. If you don't travel much, you might struggle.

This thread made me think about applying again. Hopefully they will give us each another card after a few years have passed (or maybe they hold a grudge).
Definitely get the signup bonus, cash out, and then shove it into the drawer until the AF posts.

Suggesting that I put any meaningful travel spending (100,000+ miles flown and dozens of hotel nights in a given year) on a 2% card is blasphemy. :)
Why pay the AF at all?
Where did I suggest paying the AF?
“Shove it into the drawer until the AF posts”.

Jags4186
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Jags4186 » Sun Dec 30, 2018 9:44 am

Trism wrote:
Sun Dec 30, 2018 8:48 am
munemaker wrote:
Sun Dec 30, 2018 8:28 am
Trism wrote:
Sun Dec 30, 2018 7:58 am
I should add that Barclays only approved my Arrival+ with a $5,000 credit line, which is woefully inedequate. Within two hours of activating the card I only had $49.xx in available credit.

I have one other Barclays card with a $45,000 limit. I've made more then $50,000 in purchases on the other card in each of the past three years.

No single issuer has extended me less total revolving credit than Barclays.

FICOs are in the 830s and 840s, I'm carrying no revolving debt, zero non-mortgage debt, and we have strong HHI by most people's measures.

Perhaps they don't like me because I don't carry balances/pay interest.
Not hard to understand: The reason they only gave you a $5,000 line is because they have already extended you $45,000 on another card. That means they have given you $50,000 credit in total. If you ask them, they may be willing to decrease the $45,000 line while making a corresponding increase in the $5,000 line.
On the other end of the spectrum, Amex has extended ~$200,000 revolving across my personal cards (plus whatever additional headroom I have on my NPSLs).

$50,000 total on two cards from a single issuer is bush league for someone with perfect credit, strong income, and a demonstrated history of loyalty to the issuer.

Barclays is bottom of the barrel for me in this area.
So you have at minimum $250,000 Of available revolving unsecured credit and are annoyed someone might not want to give you an additional $50,000? Interesting.

Trism
Posts: 562
Joined: Mon Jul 18, 2016 6:34 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sun Dec 30, 2018 9:59 am

MotoTrojan wrote:
Sun Dec 30, 2018 9:41 am
Trism wrote:
Sun Dec 30, 2018 8:50 am
MotoTrojan wrote:
Sun Dec 30, 2018 8:29 am
Trism wrote:
Sat Dec 15, 2018 3:19 pm
munemaker wrote:
Sat Dec 15, 2018 3:00 pm


Counterpoint: I had this card a few years ago, milked it for the rewards (not sure if it was $700 back then, might have been $500?) and closed it before the fee. Then, immediately my wife got the same card and we repeated the exercise. It was an easy $1,000+, I think.

If you travel, it is pretty painless to collect the rewards. If you don't travel much, you might struggle.

This thread made me think about applying again. Hopefully they will give us each another card after a few years have passed (or maybe they hold a grudge).
Definitely get the signup bonus, cash out, and then shove it into the drawer until the AF posts.

Suggesting that I put any meaningful travel spending (100,000+ miles flown and dozens of hotel nights in a given year) on a 2% card is blasphemy. :)
Why pay the AF at all?
Where did I suggest paying the AF?
“Shove it into the drawer until the AF posts”.
And then cancel the card.

Trism
Posts: 562
Joined: Mon Jul 18, 2016 6:34 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Sun Dec 30, 2018 10:07 am

Jags4186 wrote:
Sun Dec 30, 2018 9:44 am
Trism wrote:
Sun Dec 30, 2018 8:48 am
munemaker wrote:
Sun Dec 30, 2018 8:28 am
Trism wrote:
Sun Dec 30, 2018 7:58 am
I should add that Barclays only approved my Arrival+ with a $5,000 credit line, which is woefully inedequate. Within two hours of activating the card I only had $49.xx in available credit.

I have one other Barclays card with a $45,000 limit. I've made more then $50,000 in purchases on the other card in each of the past three years.

No single issuer has extended me less total revolving credit than Barclays.

FICOs are in the 830s and 840s, I'm carrying no revolving debt, zero non-mortgage debt, and we have strong HHI by most people's measures.

Perhaps they don't like me because I don't carry balances/pay interest.
Not hard to understand: The reason they only gave you a $5,000 line is because they have already extended you $45,000 on another card. That means they have given you $50,000 credit in total. If you ask them, they may be willing to decrease the $45,000 line while making a corresponding increase in the $5,000 line.
On the other end of the spectrum, Amex has extended ~$200,000 revolving across my personal cards (plus whatever additional headroom I have on my NPSLs).

$50,000 total on two cards from a single issuer is bush league for someone with perfect credit, strong income, and a demonstrated history of loyalty to the issuer.

Barclays is bottom of the barrel for me in this area.
So you have at minimum $250,000 Of available revolving unsecured credit and are annoyed someone might not want to give you an additional $50,000? Interesting.
I have somewhere between $900k and $1MM in revolving limits across all issuers (plus NPSLs).

How does that help me put a $695 conference registration on a brand new card with just $49 still available just two hours after activation?

$45,000 on my other Barclays card was inadequate (it's been our main card), so moving part of that line would just create utilization problems on that card later.

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Rainier
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Rainier » Sun Dec 30, 2018 10:33 am

I've had this card a few times for the sign up bonuses, but always cancelled or downgraded. This is a true Chip + PIN card, which is good to have when traveling.

I ultimately will cancel this card and just keep the Uber card for the cell phone insurance and Chip + PIN access. The arrival is just a hassle to redeem points, too restrictive.

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Alexa9
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Alexa9 » Sun Dec 30, 2018 10:43 am

I had this card. Great website, generous bonus, and customer service. I bought two airline gift cards to redeem the bonus points and 10% points back. Very easy. After the bonus, it was not worth keeping however.

Jags4186
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Jags4186 » Sun Dec 30, 2018 12:49 pm

Trism wrote:
Sun Dec 30, 2018 10:07 am
Jags4186 wrote:
Sun Dec 30, 2018 9:44 am
Trism wrote:
Sun Dec 30, 2018 8:48 am
munemaker wrote:
Sun Dec 30, 2018 8:28 am
Trism wrote:
Sun Dec 30, 2018 7:58 am
I should add that Barclays only approved my Arrival+ with a $5,000 credit line, which is woefully inedequate. Within two hours of activating the card I only had $49.xx in available credit.

I have one other Barclays card with a $45,000 limit. I've made more then $50,000 in purchases on the other card in each of the past three years.

No single issuer has extended me less total revolving credit than Barclays.

FICOs are in the 830s and 840s, I'm carrying no revolving debt, zero non-mortgage debt, and we have strong HHI by most people's measures.

Perhaps they don't like me because I don't carry balances/pay interest.
Not hard to understand: The reason they only gave you a $5,000 line is because they have already extended you $45,000 on another card. That means they have given you $50,000 credit in total. If you ask them, they may be willing to decrease the $45,000 line while making a corresponding increase in the $5,000 line.
On the other end of the spectrum, Amex has extended ~$200,000 revolving across my personal cards (plus whatever additional headroom I have on my NPSLs).

$50,000 total on two cards from a single issuer is bush league for someone with perfect credit, strong income, and a demonstrated history of loyalty to the issuer.

Barclays is bottom of the barrel for me in this area.
So you have at minimum $250,000 Of available revolving unsecured credit and are annoyed someone might not want to give you an additional $50,000? Interesting.
I have somewhere between $900k and $1MM in revolving limits across all issuers (plus NPSLs).

How does that help me put a $695 conference registration on a brand new card with just $49 still available just two hours after activation?

$45,000 on my other Barclays card was inadequate (it's been our main card), so moving part of that line would just create utilization problems on that card later.
You are too risky for them. You could run up all your cards and run away.

MotoTrojan
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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by MotoTrojan » Sun Dec 30, 2018 1:08 pm

Trism wrote:
Sun Dec 30, 2018 9:59 am
MotoTrojan wrote:
Sun Dec 30, 2018 9:41 am
Trism wrote:
Sun Dec 30, 2018 8:50 am
MotoTrojan wrote:
Sun Dec 30, 2018 8:29 am
Trism wrote:
Sat Dec 15, 2018 3:19 pm


Definitely get the signup bonus, cash out, and then shove it into the drawer until the AF posts.

Suggesting that I put any meaningful travel spending (100,000+ miles flown and dozens of hotel nights in a given year) on a 2% card is blasphemy. :)
Why pay the AF at all?
Where did I suggest paying the AF?
“Shove it into the drawer until the AF posts”.
And then cancel the card.
Gotcha. “Posts” implied after it’s too late in my view.

Trism
Posts: 562
Joined: Mon Jul 18, 2016 6:34 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Mon Dec 31, 2018 5:45 pm

MotoTrojan wrote:
Sun Dec 30, 2018 1:08 pm
Trism wrote:
Sun Dec 30, 2018 9:59 am
MotoTrojan wrote:
Sun Dec 30, 2018 9:41 am
Trism wrote:
Sun Dec 30, 2018 8:50 am
MotoTrojan wrote:
Sun Dec 30, 2018 8:29 am


Why pay the AF at all?
Where did I suggest paying the AF?
“Shove it into the drawer until the AF posts”.
And then cancel the card.
Gotcha. “Posts” implied after it’s too late in my view.
You could cancel earlier, of course. This is just a personal preference that works well for how I manage my accounts.

Trism
Posts: 562
Joined: Mon Jul 18, 2016 6:34 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Mon Dec 31, 2018 6:00 pm

Jags4186 wrote:
Sun Dec 30, 2018 12:49 pm
Trism wrote:
Sun Dec 30, 2018 10:07 am
Jags4186 wrote:
Sun Dec 30, 2018 9:44 am
Trism wrote:
Sun Dec 30, 2018 8:48 am
munemaker wrote:
Sun Dec 30, 2018 8:28 am


Not hard to understand: The reason they only gave you a $5,000 line is because they have already extended you $45,000 on another card. That means they have given you $50,000 credit in total. If you ask them, they may be willing to decrease the $45,000 line while making a corresponding increase in the $5,000 line.
On the other end of the spectrum, Amex has extended ~$200,000 revolving across my personal cards (plus whatever additional headroom I have on my NPSLs).

$50,000 total on two cards from a single issuer is bush league for someone with perfect credit, strong income, and a demonstrated history of loyalty to the issuer.

Barclays is bottom of the barrel for me in this area.
So you have at minimum $250,000 Of available revolving unsecured credit and are annoyed someone might not want to give you an additional $50,000? Interesting.
I have somewhere between $900k and $1MM in revolving limits across all issuers (plus NPSLs).

How does that help me put a $695 conference registration on a brand new card with just $49 still available just two hours after activation?

$45,000 on my other Barclays card was inadequate (it's been our main card), so moving part of that line would just create utilization problems on that card later.
You are too risky for them. You could run up all your cards and run away.
Or I could continue to repay them in full every month like I have for several years, which is how my other card issuers treat me. Even the ones who have extended a lot more credit.

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Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by oldcomputerguy » Mon Dec 31, 2018 6:20 pm

MotoTrojan wrote:
Sun Dec 30, 2018 1:08 pm
Trism wrote:
Sun Dec 30, 2018 9:59 am
MotoTrojan wrote:
Sun Dec 30, 2018 9:41 am
Trism wrote:
Sun Dec 30, 2018 8:50 am
MotoTrojan wrote:
Sun Dec 30, 2018 8:29 am


Why pay the AF at all?
Where did I suggest paying the AF?
“Shove it into the drawer until the AF posts”.
And then cancel the card.
Gotcha. “Posts” implied after it’s too late in my view.
I had a Capital One Mastercard with an annual fee. Decided to cancel right after having paid the annual fee. It was within 30 days, CapOne refunded me the annual fee payment, no worries. I'm guessing that if you cancel the card right after the fee posts but before you pay that balance, they'll wipe off the fee. But that's just my guess.
It’s taken me a lot of years, but I’ve come around to this: If you’re dumb, surround yourself with smart people. And if you’re smart, surround yourself with smart people who disagree with you.

MotoTrojan
Posts: 3804
Joined: Wed Feb 01, 2017 8:39 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by MotoTrojan » Mon Dec 31, 2018 6:31 pm

Trism wrote:
Mon Dec 31, 2018 5:45 pm
MotoTrojan wrote:
Sun Dec 30, 2018 1:08 pm
Trism wrote:
Sun Dec 30, 2018 9:59 am
MotoTrojan wrote:
Sun Dec 30, 2018 9:41 am
Trism wrote:
Sun Dec 30, 2018 8:50 am


Where did I suggest paying the AF?
“Shove it into the drawer until the AF posts”.
And then cancel the card.
Gotcha. “Posts” implied after it’s too late in my view.
You could cancel earlier, of course. This is just a personal preference that works well for how I manage my accounts.
They refund it? Good to know.

Trism
Posts: 562
Joined: Mon Jul 18, 2016 6:34 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Mon Dec 31, 2018 6:48 pm

MotoTrojan wrote:
Mon Dec 31, 2018 6:31 pm
Trism wrote:
Mon Dec 31, 2018 5:45 pm
MotoTrojan wrote:
Sun Dec 30, 2018 1:08 pm
Trism wrote:
Sun Dec 30, 2018 9:59 am
MotoTrojan wrote:
Sun Dec 30, 2018 9:41 am


“Shove it into the drawer until the AF posts”.
And then cancel the card.
Gotcha. “Posts” implied after it’s too late in my view.
You could cancel earlier, of course. This is just a personal preference that works well for how I manage my accounts.
They refund it? Good to know.
Yes, if you cancel shortly after the AF posts you get a refund. How long varies by issuer, but generally you have ~30 days. I don't wait that long.

TravelGeek
Posts: 2903
Joined: Sat Oct 25, 2014 3:23 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by TravelGeek » Mon Dec 31, 2018 7:10 pm

Alexa9 wrote:
Sun Dec 30, 2018 10:43 am
I had this card. Great website, generous bonus, and customer service. I bought two airline gift cards to redeem the bonus points and 10% points back. Very easy. After the bonus, it was not worth keeping however.
I have had the card for a couple of weeks now. Is it standard practice for them to send notifications for transactions (I set it up right away) a day or two after the purchase, with no information about the merchant? Basically says

“On 12/30/2018 a purchase of $29.97 posted to your Barclaycard Arrival Plus™ World Elite Mastercard® account.”

I got a whole bunch of notifications in one batch and don’t remember if I charged that amount two days ago, so now I have to log into the website to verify. With Chase or Amex I usually have the notification before the card is back in my wallet.

Jags4186
Posts: 3149
Joined: Wed Jun 18, 2014 7:12 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Jags4186 » Tue Jan 01, 2019 2:14 am

Trism wrote:
Mon Dec 31, 2018 6:00 pm
Jags4186 wrote:
Sun Dec 30, 2018 12:49 pm
Trism wrote:
Sun Dec 30, 2018 10:07 am
Jags4186 wrote:
Sun Dec 30, 2018 9:44 am
Trism wrote:
Sun Dec 30, 2018 8:48 am


On the other end of the spectrum, Amex has extended ~$200,000 revolving across my personal cards (plus whatever additional headroom I have on my NPSLs).

$50,000 total on two cards from a single issuer is bush league for someone with perfect credit, strong income, and a demonstrated history of loyalty to the issuer.

Barclays is bottom of the barrel for me in this area.
So you have at minimum $250,000 Of available revolving unsecured credit and are annoyed someone might not want to give you an additional $50,000? Interesting.
I have somewhere between $900k and $1MM in revolving limits across all issuers (plus NPSLs).

How does that help me put a $695 conference registration on a brand new card with just $49 still available just two hours after activation?

$45,000 on my other Barclays card was inadequate (it's been our main card), so moving part of that line would just create utilization problems on that card later.
You are too risky for them. You could run up all your cards and run away.
Or I could continue to repay them in full every month like I have for several years, which is how my other card issuers treat me. Even the ones who have extended a lot more credit.
You could but the people extending the loans decide that, not the ones taking out the loans.

Trism
Posts: 562
Joined: Mon Jul 18, 2016 6:34 pm

Re: Barclaycard Arrival Plus™ World Elite Mastercard®

Post by Trism » Tue Jan 01, 2019 2:21 pm

Jags4186 wrote:
Tue Jan 01, 2019 2:14 am
Trism wrote:
Mon Dec 31, 2018 6:00 pm
Jags4186 wrote:
Sun Dec 30, 2018 12:49 pm
Trism wrote:
Sun Dec 30, 2018 10:07 am
Jags4186 wrote:
Sun Dec 30, 2018 9:44 am


So you have at minimum $250,000 Of available revolving unsecured credit and are annoyed someone might not want to give you an additional $50,000? Interesting.
I have somewhere between $900k and $1MM in revolving limits across all issuers (plus NPSLs).

How does that help me put a $695 conference registration on a brand new card with just $49 still available just two hours after activation?

$45,000 on my other Barclays card was inadequate (it's been our main card), so moving part of that line would just create utilization problems on that card later.
You are too risky for them. You could run up all your cards and run away.
Or I could continue to repay them in full every month like I have for several years, which is how my other card issuers treat me. Even the ones who have extended a lot more credit.
You could but the people extending the loans decide that, not the ones taking out the loans.
I am familiar with how revolving credit works.

I think we just returned to where I started.

The credit lines from Barclays are inadequate for my needs.

I will just shift my business elsewhere.

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