CarefulBuilder14 wrote:Downgrading an Arrival+ to a no-AF Arrival should be easy. Switching it to a Sallie Mae is another matter, since it's a hard card to get in general.
Good to know about Arrival+ to Arrival. I don't think getting a Sallie Mae will be an issue (of course, I probably just jinxed myself by stating that).
CarefulBuilder14 wrote:You might find you only need a BCE instead of a BCP once you have a Sallie Mae. Logistically, it's easier to start earning 5% and then switch to a 3% card when you pass $250 a month. If you spend well above $6k a year in groceries, alternating between 6% with a yearly cap and 5% with a monthly cap actually takes a fair amount of planning. You want to use up the $6k at 6%, but that can mean going over $250 a month on the Sallie Mae near the end of the year - and only making 1% on grocery spending above that.
I just upgraded from the super old BCE (5% on groceries/RX, 3% gas, after $6500 purchase). The issue with that was because we were putting the majority of our spending on Arrival+, meeting that $6500 threshold was not worth it at just 1%. The 6k will definitely be maxed out since I plan on getting gift cards from Safeway. This sort of allows me to double dip (6% from Amex, and quicker gas rewards points for Safeway). I get that there may be some planning going from 6% then the 5% with the risk of running over the $250 cap. But I think that will happen anyways as the Sallie Mae will probably be used for Walmart (I understand they don't automatically exempt the superstores like Amex, and based on the Arrival+, walmart groceries are categorized as grocery stores).
And worse case, I'd use Venture/Arrival+ or replace them with Double-Cash, and still get 2%.
CarefulBuilder14 wrote:Since you like the Venture, then the Arrival would be better for you than the Arrival+. The Arrival+ and Venture overlap so much that it would be hard to justify the AF of Arrival+.
If I had both, I'd keep the Arrival+ and close the Venture. That's largely because I like Barclaycard and already have the Sallie Mae with them, so it's more convenient.
Yea, I think I'm leaning more towards the regular Arrival vs. Venture. Especially if I end up with the Sallie Mae, I'm assuming I can manage both cards with the same portal access. Makes life a bit easier.