Bofa Travel Rewards or Barclaycard Arrival?

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lexrj
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Bofa Travel Rewards or Barclaycard Arrival?

Postby lexrj » Sat Feb 09, 2013 8:47 pm

So I need a CC for traveling abroad and I need a card exclusively for the travel category. The main factors for me are:
a) No FTF
b) No AF (unless I can upset the AF every yr.)
c) Visa or MasterCard

Spending Profile:
avg $6,000.00 per year on travel and dining but mostly travel.

After extensive research I've narrowed down to 2 cards:
Bofa Travel Rewards and Barclaycard Arrival Mastercard, please give me your thoughts and suggestions.
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1


DavidNY
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Postby DavidNY » Sun Feb 10, 2013 9:02 am

The rewards on the Arrival would be mostly wiped out with the AF. Also, BofA Travel Rewards has the EMV chip.

Arrival has better targeted sign up bonuses but unless you have a code this is moot.

lexrj
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Posts: 169
Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Sun Feb 10, 2013 12:30 pm

DavidNY wrote:The rewards on the Arrival would be mostly wiped out with the AF. Also, BofA Travel Rewards has the EMV chip.

Arrival has better targeted sign up bonuses but unless you have a code this is moot.


Barclaycard doesn't have an AF
https://www.barclaycardus.com/apply/Landing.action?campaignId=1730&cellNumber=9
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Sun Feb 10, 2013 12:37 pm

Discover Miles.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

DavidNY
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Location: New York

Postby DavidNY » Sun Feb 10, 2013 2:20 pm



I was comparing the Travel Rewards card with the $89 AF version of Arrival with 2x rewards everywhere.

For the no AF version, Arrival has 2x rewards only on travel and dining while the Travel Rewards card has 1.5x rewards everywhere and the EMV chip.

Money card
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Location: New York state

Postby Money card » Sun Feb 10, 2013 8:59 pm

from what I know which is very little the Bank of america card might be a very nice card, but you want to look into things like
the sighn up bonus, the coverage of baggage insurance does it have a foreign tranaction fee, black out dates room upgrades
the arrival card my friend applied for this card the 89.00 annual fee is waved the first year from what I see this is supposed to be like the Capital1 1 venture card which you get 2 points per dollar spent, with the Bank of America card the travel card which has no annual
fee but gives 1.5 points per dollar spent.

Money card
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Location: New York state

Postby Money card » Sun Feb 10, 2013 9:05 pm

I have a question on the 2 cards that Lexrj is thinking of the Bank of America travel and Barclaycard arrival card af 89.00
do either cards come with concierge service like the venture and sapphire cards have?

lexrj
Centurion Member
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Posts: 169
Joined: Fri Sep 14, 2012 12:59 pm
Location: San Diego

Postby lexrj » Tue Feb 12, 2013 8:36 pm

Money card wrote:I have a question on the 2 cards that Lexrj is thinking of the Bank of America travel and Barclaycard arrival card af 89.00
do either cards come with concierge service like the venture and sapphire cards have?


Looks like it does, check out the 2nd item under "Special Services"

https://www.bankofamerica.com/credit-cards/products/bankamericard-travel-rewards-credit-card.go
---------------------------------------
Current in my Wallet
Amex BCP - 25K (02/12)
Barclaycard Arrival WMC - 15K (10/13)

Future
US Bank Cash +

Socks drawer
Crap One Quicksilver - 1.7K (04/11)
CSP - 15K (03/13)

Scores
FICO EX 772 / TU 765 / EQ 762 - (09/14)
AAoA 2.1

Money card
Centurion Member
Centurion Member
 
Posts: 1361
Joined: Tue Jun 28, 2011 10:13 pm
Location: New York state

Postby Money card » Wed Feb 13, 2013 9:15 pm

I would say unless the Barclaycard travel card has better checked baggage fees, insurance, better room upgrades, better car rental protection
if they do then I would think about the 89.00 card . but if the prices are the same I would then get the no annual fee Bank of America card.

MOC
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Location: NC

Those cards suck

Postby MOC » Thu Feb 14, 2013 3:14 am

Barclaycard is a sucky bank and a sucky credit card company. Bank of America is not glowing either. If you really can't justify the $95 annual fee on a Chase Sapphire Preferred(CSP) or you don't think you can get it, then you should just go for a cash back no annual fee card. There is the Capital One Cash Back card which does not charge foreign transaction fees. I don't believe they have chips though. The problem with those two cards is that you may get more points, but the points will not be as flexible as the CSP. If you're going to travel frequently, then the benefits in addition to the rewards would be worthwhile.

$5588 in regular non-dining/non-travel spending would cover the annual fee in cash back
$4439 in dining/travel spending would cover the annual fee in cash back

In addition your points would be worth more than that through the the travel booking software or by transferring to rewards partners. In the long run, you could also get the chase freedom and use that for the rotating categories and get 5% back and use the points just like you can on the CSP in addition to better point redemptions sometimes.

If you don't need a travel rewards card with the travel delay, baggage, purchase protection, etc, then get the Capital One Cashback since they will all eventually have the EMV chip in a year or so.



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