Currently the Most Used Credit Card in My Wallet

There are so many credit cards out there, and many of us have many credit cards that it can be difficult to chose which credit card to pull out of your wallet when the time comes. The credit card that I pull out of my wallet most frequently right now is the Barclays Arrival Plus World Elite Mastercard card. This is my favorite card for every day spending. Why is that? Almost exclusively because it give what comes out to 2.22% back on all purchases. There is no other credit card out there right now that gives that much back on everyday purchases. Officially the Barclays Arrival card gives 2x points for all purchases. The points can be used as statement credit against any travel related purchases including hotels, flights, rental cars, and train tickets.

So if you purchase a $400 flight with your Barclays Arrival card you could redeem 40,000 points and receive a $400 statement credit. On top of that you receive a 10% refund on all points redeemed for travel. In this case you would receive 4,000 points back. When those 4,000 points are redeemed you would receive 400 points back. That what makes up the 2.22% return.

What also great is that you do not even need to buy the travel related items through the Barclays Portal. You can just purchase your flights from the airline or rental car comapany, etc... As long as the credit card purchase codes to travel you can use your points to redeem for statement credit.

So why am I using this card over my Chase Ink Bold credit card. The Chase Ink Bold is a great credit card that earns Ultimate Rewards points. Many travel hackers value Ultimate rewards points about 1.5 cents per mile. This isn't nearly as good as the Barclays Arrival card as this give 2.22 cents per mile for all purchases. If I am able to use my Chase Ink Bold for purchases in special categories like the 5x at office supply stores then the Chase Ink Bold is definitely the better choice because 5x  X 1.5 cents/mile = 7.5 cents per mile. But you can not get the category bonus on most of your everyday spending. That is why most of my purchases go to my Barclays Arrival card.

That isn't all! Sign up and get:

  • 40,000 bonus miles after spending $3,000 in the first 90 days
  • No foreign transaction fees
  • $89 annual fee waived for the first year

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