- Centurion Member
- Posts: 188
- Joined: Tue Jan 10, 2012 7:11 pm
- Location: New York, NY
Honestly, I think they're pretty close to being the same. There's little difference. If you could get both, at least in my opinion, they would be all the travel cards you need. While the Arrival card has a lower annual fee, the $6 difference isn't enough to make me choose the arrival card over the CSP.
I was denied the Arrival card when I applied a month ago. I still have a paid judgment on my CR, which is a major ding, and, at the time at least, I was carrying a 50% debt load. My debt is now less than 10% of my available credit limits and I may be able to talk my way out of a denial due to the judgment. I've done it before. I really just applied to see what they would say. Chase could potentially turn me down if I applied for the CSP straight out, but I already know I could PC the Sapphire up if they do. With my Escape, Mileage Plus, Barclay Holland America, and Delta Amex cards, I really have all the travel cards I could possibly ever need. Moreover, I couldn't care less about AFs as mine are all less than $100 each and are all more than offset by free checked bags, tons of travel insurance that I don't have to buy, and free or reduced-cost airline club entry fees. The only thing I am missing is a hotel card, and when I do get the CSP that will take the place of that--and not restrict me to any one hotel group.
Cards and Credit lines Acquired:
Escape by Discover (7.75K), Barclay Holland America Visa (7K), Macy's store card (7K), Bloomingdale's store card (2.6K), Citi Custom Credit Line (3.5K), PayPal Smart Connect credit line (2.7K), Chase Freedom Visa (5K), Chase United MileagePlus Visa (5K), Chase Sapphire Preferred Visa (6K), Amazon store card (2.2K), Lord & Taylor store card (550), Nordstrom store card (1500), Gold Delta SkyMiles from American Express (3K), Discover It (6.5K), PayPal Credit Line (1K).