Barclaycard Arrival 40,000 miles bonus + 2% rewards vs. CSP?

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
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FutureBillionaire
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Postby FutureBillionaire » Mon Jun 03, 2013 1:46 pm

lexrj wrote:How do you use the Reward Mall? I don't have the patience to check every time I want to buy something unless is something expensive....


You're not getting the best bang for your buck if you aren't using rewards malls.

I value the ability to transfer points, so I will keep the CSP. However, my Amex will get cancelled so I can get that Barclay card.
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


flan
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Postby flan » Mon Jun 03, 2013 6:21 pm

lexrj wrote:How often do you contact CSR to be worth that much? I personally rarely do....


It's not a matter of how often, necessarily, but about how things get done when you need to. My chase customer service calls have been less than perfect -- I got a fraud department call from some guy who couldn't speak english, who didn't identify himself as fraud, and asked questions that I thought were suspicious. So I hung up on the guy. Chase froze the account, and didn't send me an email or a text about that; I found out when I tried to use the card the next time, and had to call them about it. That person was US based, and helpfully arranged a couple scheduled transactions would work, even though the card itself wouldn't, until the replacement card arrived. That could have easily have been a disaster, and wasn't, which is worth a lot. The piss poor fraud department, though, was a joke, and I've moved all of my recurring charges elsewhere because of the hassle.

pewpew
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Postby pewpew » Mon Jun 03, 2013 11:04 pm

lexrj wrote:How do you use the Reward Mall? I don't have the patience to check every time I want to buy something unless is something expensive....


for work. best way i can describe myself is that I am an outsourced IT department. i provide service as well as all the equipment for my clients. i shop at dell, apple, staples, microsoft, best buy and other places (depending on what i am buying and how soon i need to have it) via UR mall for the bonus points, then resells the equipment. points stay with me :)

i shop via UR mall any time i need to make a decent sized purchase. sometimes i buy online and then pick it up at the store instead of just paying at the store. points rack up very fast for me this way.

i used to do the same with AmEx, but they killed their reward mall.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL

Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.

agp
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Postby agp » Tue Jun 04, 2013 2:15 am

I'll give an example of why CSP is better.

I can use 65,000 UR points, transfer to United Airlines, and fly roundtrip from Newark to Beijing in September 2013. A fare that costs $1360+.

Who can Barclays transfer points to?

Case closed.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred

rockyrock
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Postby rockyrock » Tue Jun 04, 2013 3:17 am

lexrj wrote:How often do you contact CSR to be worth that much? I personally rarely do....


I have never been disappointed by an Amex CSR. I have had similar experiences with Chase--the only difference is when I call Chase I get an American based CSR right off the bat; no need to fight with "...please say or press one..."

The value for everyone is different. I've carried an Amex Platinum for years now and rarely use the majority of the services offered. I rest easy knowing they are there if I need them though. CSR works the same way, for me, it's not how often I actually call, it's what experience is like when I do. As always, YMMV.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

rockyrock
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Postby rockyrock » Tue Jun 04, 2013 3:36 am

lexrj wrote:How do you use the Reward Mall? I don't have the patience to check every time I want to buy something unless is something expensive....


There's your key right there, being patient. If you aren't willing to check the UR Mall every time you buy something online or in a store you won't be able to maximize you point earnings.

My last four transactions through the UR Mall: Wallet from Nordstrom (195 @ 6x), One week at Marriott resort (2600 @ 2x), new white undershirts at Hanes.com (15 @ 5x), Thrifty car rental (240 @ 5x). It's a pain in the arse but it all adds up.

Be realistic with yourself, you know what you are willing or able to do.
American Express (2005): Premier Rewards Gold & Blue Cash Preferred
Chase: Freedom & UA Club USAA: Signature Visa & American Express
Discover it Bank of Hawaii Hawaiian Airlines WEMC Synchrony Sam's MC
Navy FCU Platinum Visa Citi Double Cash & AT&T Access MC

FutureBillionaire
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Postby FutureBillionaire » Tue Jun 04, 2013 11:38 am

agp wrote:I'll give an example of why CSP is better.

I can use 65,000 UR points, transfer to United Airlines, and fly roundtrip from Newark to Beijing in September 2013. A fare that costs $1360+.

Who can Barclays transfer points to?

Case closed.


Does it make sense to you to have both?
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

pewpew
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Posts: 106
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Location: nyc/ny

Postby pewpew » Tue Jun 04, 2013 11:42 am

FutureBillionaire wrote:Does it make sense to you to have both?


i would say no. if you are paying an annual fee on a card that relies on points to get you rewards, I would only keep the point card and only use that card. the more points you have, the more they are worth, like in the airline ticket to Beijing example above. 30k points get you pretty much nowhere. 65k points get you across the globe.

agp wrote:Who can Barclays transfer points to?

Case closed.


i am 100% in agreement with you. but the person who will be getting the card needs to ask themselves whether or not they will spend enough to gather the points to actually be able to rewards themselves. if you only spend 15k a year, i don't think there is any benefit to carrying around the CSP. you will need 2-4 years just to pick up enough points just to get an international reward flight. by that time you'd have already paid $400 in annual fees.
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL

Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.

pewpew
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Posts: 106
Joined: Wed Apr 03, 2013 3:16 am
Location: nyc/ny

Postby pewpew » Tue Jun 04, 2013 11:46 am

(sorry, double post)
Junk I use:
AmEx Platinum for Mercedes Benz from, 75k spending ability
AmEx Everyday 8.99% + Prime, 44k CL
Chase Ink Bold, 35k
Chase Freedom (Converted from WaMu VISA) from '07, 5.99% + Prime, 30k CL

Junk I don't use
BoA Susan G. Komen Cash Rewards (converted from World Points MC) from '07, 7.9% Fixed APR, 30k CL
Discover IT (Converted from Discover More) from '08, 5.74% + Prime, 20k CL
AmEx Clear from '07, 4.99% + Prime, 10k CL
All 3 credit scores are over 800.

agp
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Location: US&A

Postby agp » Tue Jun 04, 2013 11:48 am

FutureBillionaire wrote:Does it make sense to you to have both?


To me, no. The Arrival is in essence a 2% cash back card, 2.2% if you cash back in the form of traveling. I would not move spending from my CSP to Arrival for such a small incentive.

Main Card: Amex Platinum
For gas: Penfed Platinum Cash Rewards
For travel & dining: Chase Sapphire Preferred



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