Can I Use Barclaycard Miles for Travel Expenses I’ve Already Paid Off?

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Million Mile Secrets reader Kat commented:

So if I’m understanding this correctly, then I can’t use miles to pay for a travel expense that I’ve already paid off with cash on a previous statement, correct?  Even though it says that you can use Barclaycard miles to pay for travel expenses within the last 120 days.

How soon after you hit the minimum spend do the 40,000 Barclaycard Arrival miles become available to use?

Can I Use Barclay Miles For Travel Expenses I've Already Paid Off

Kat Can Use Barclaycard Arrival Miles for Travel Expenses She’s Already Paid for, Like Train Tickets

Although Kat has already paid her statement balance in full she can still use her Arrival miles as a statement credit.  That’s because they will post against future charges.

And her Arrival miles will post almost instantly once she’s completed her minimum spending on her Barclaycard Arrival Plus.

Barclaycard Arrival Plus

Link:   Barclaycard Arrival Plus™ World Elite MasterCard® 

Kat gets 40,000 Arrival miles ($400 in credits on $100+ travel purchases, plus $20 because you 5% of your miles back) after spending $3,000 on purchases within the 1st 3 months of opening the account.

She also gets:

  • 2X Arrival miles on all purchases
  • No foreign transaction fees
  • $89 annual fee waived the 1st year

Kat can use the Arrival miles from the Barclaycard Arrival Plus as statement credits.

And Barclaycard is pretty fast about posting the sign-up bonus because mine posted almost immediately after finishing the minimum spending!

Note:   Arrival “miles” can NOT be transferred to airlines!  They’re points Kat can use for statement credits against travel expenses.  

Can I Use Barclay Miles For Travel Expenses I've Already Paid Off

Kat Can NOT Transfer Her Arrival “Miles” to Airlines Like Southwest, but She Can Use Them to Reimburse Her Ticket Costs

Here’s a video that will show Kat how to redeem her miles.

Using Arrival Miles As a Statement Credit

Kat can redeem her Arrival miles against $100+ travel expenses within the last 90 days.

Although Barclaycard says the statement credits appear within 5 to 7 business days, it’s been my experience that they post within 1 to 2 days.

Let’s suppose Kat paid her Barclaycard Arrival Plus bill on February 20, 2015, which included a $100 airline ticket.  She has 90 days (from the date she bought the airline ticket) to earn and redeem 10,000 Arrival miles against that plane ticket.

This will reduce her upcoming bill by $100.  And she gets 500 Arrival miles back because she gets 5% of redeemed miles back.

Can I Use Barclay Miles For Travel Expenses I've Already Paid Off

Using Her Arrival Miles When She Makes Her Travel Purchases Means Kat Pays Less When Her Bill Is Due

Bottom Line

Kat can use her Arrival miles from her Barclaycard Arrival Plus as statement credits for 2% back on travel purchases of $100 or more even if she’s already paid her bill.

Travel purchases within 90 days that Kat redeems Arrival miles for will be credited against her next statement.

So it’s better if Kat redeems her Arrival miles immediately so that she can get the statement credits before the bill is due.

It can take 5 to 7 business days to post, but mine have posted within 1 to 2 days.

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2 responses to “Can I Use Barclaycard Miles for Travel Expenses I’ve Already Paid Off?

  1. Would love to see a post on the best churable credit cards 🙂

  2. I’ll second Paul’s request for a post on the best churnable credit cards. That would be fantastic.