Each dollar spent on the Arrival Plus card earns 2 “miles” that can be redeemed for a statement credit – at a fixed rate of 1 cent per mile – against travel expenses incurred on the card. Additionally, 10% of miles redeemed for travel expenses are credited back to the cardholder’s account, which amounts to an additional .2% return, for a total 2.2% return. For example, if you choose to redeem 10,000 miles for a $100 hotel charge, 1,000 miles (10% of 10,000 miles) will be credited back to your account. So the 40,000-mile signup bonus can be redeemed for a $400 statement credit, which then triggers a 4,000-mile credit, and that 4,000-mile credit is worth another $40 when applied to travel purchases. And so on.
The “travel” purchases that miles can be credited against include airlines, hotels, travel agencies, car rental, trains, cruise lines, etc. Partial redemptions are permitted, so you don’t even need to accumulate enough points to completely offset a travel purchase in order to redeem your points. Instead, every time you accumulate 2,500 miles, you can redeem them for a $25 statement credit against any travel purchase of $25 or more (and receive 250 miles back).