← CCWorth

Is the Barclaycard Avios Plus Mastercard worth it in 2026?

£20/month (£240/yr)

The Barclaycard Avios Plus Mastercard earns 1.5 Avioss per £1. Whether it's worth the fee comes down to one question: do the perks and points you'll actually use add up to more than £240 a year? Here's what's on the table — and a free tool to work out your number.

Work out if it pays for itself →

What you get

Vouchers

• Cabin upgrade voucher (or 7,000 Avios) — earned at £10,000 spend in a card year, valid 24 months. Spend £10,000 in a card year and choose: a cabin-upgrade voucher (book a return Avios reward flight paying the Avios of the cabin below; valid 2 years) or 7,000 bonus Avios. Voucher default value £250.

Does it pay for itself?

You need more than £240 of value a year to come out ahead. Unused perks are worth £0, so the honest answer depends on how you'd really use it: lounges you'd actually visit, credits you'd actually spend, insurance you'd otherwise buy, and vouchers you'd actually redeem. The free CCWorth adds it all up from your own answers and shows your real position — plus exactly what it'd take to break even.

See your verdict — free, no signup →