Chase Sapphire Preferred or Barclaycard Arrival +

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CarefulBuilder14
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Location: United States

Postby CarefulBuilder14 » Sat Nov 15, 2014 9:42 am

I haven't had a Chip+PIN card with Amex, and I'm not sure what the story is there or with the 'raised numbers'.

Chip+PIN isn't a country-wide requirement anywhere. It's just that some particular 'merchants' like kiosks require one. Having a Chip+PIN card is just a convenient tool in your wallet for those situations, even if it wouldn't get much use compared to a CSP.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card


User avatar
CarefulBuilder14
Centurion Member
Centurion Member
 
Posts: 4494
Joined: Thu May 08, 2014 7:42 pm
Location: United States

Postby CarefulBuilder14 » Sun Nov 16, 2014 12:01 pm

CarefulBuilder14 wrote:The reason not to have Arrival+ and CSP (at least, on a long-term basis) is that someone who can make good use of UR points would very rarely use the Arrival+, since the CSP reward value is better.


I should qualify this a bit. CSP can give better value for points through transfers, but someone could prefer the WEMC benefits to the VS or no-AF Arrival WMC ones in some cases. Or, someone could like the flexible Arrival+ rewards but certain CSP perks like primary rental insurance.

So for some people, having both can be rational. I still think most are better-off with the Arrival and CSP combo or the Arrival+.
Warranties and sketchy merchants: Schwab Platinum
Price rewind: Costco
Travel insurance: Prestige, CSP
Perks: IHG, Hyatt
Rewards/Offers: Discover, Freedom, ED, BCE
Taxes/Misc: SPG

Limited value, might close: Arrival

Might add: First Tech, proper business card



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