- Centurion Member
- Posts: 3969
- Joined: Thu May 08, 2014 7:42 pm
- Location: United States
Internationally, there are some places where you can only use a credit card if it has a chip and if you can provide a security PIN for it. Most US cards don't have security PINs (though more are getting them). This means there are some places (especially kiosks) where cards that have a chip but require a signature (like CSP) can't be used.
The attractive feature of the Arrival cards (and some other cards) is that they have PINs. So while the rewards may be modest, they can work in situations where a CSP wouldn't function.
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. The Arrival+ would only be the card to use in situations where a Chip+PIN card was absolutely necessary. Those situations happen, but they are infrequent enough that spending on an Arrival+ would be minimal - so paying an AF for a higher rewards rate wouldn't make much sense.
On the other hand, if someone can't make good use of UR points, then that person wouldn't get any real value from a CSP.
Getting both for signup bonuses might be good, but keeping both cards and paying annual fees on both wouldn't make financial sense - at least, not unless a person was a very frequent international traveler.
Keeping indefinitely: IHG, SchwabPlat, CSP, Discover, Freedom, ED, BCE, Hyatt, SPG
May close or PC: Prestige, Arrival, BrooksBros
AA Platinum converting into Costco
Might add: Proper business card, CSR, Ritz, Delta Gold, First Tech