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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swipe_masta
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Location: USA

Postby swipe_masta » Tue Jun 04, 2013 12:20 pm

How is the rewards structure for Barclay? The rewards exchange rate?

A lot of people discredit CapitalOne, but the Venture has essentially been doing what the Arrival is doing now.
-2x pts on all purchases
-no FTF
-AF of $59
Their purchase eraser is pretty neat and their rewards program is pretty nice too. I have never had any issues with customer service and contrary to popular belief, CO does have csr in the US. Whenever I wanted to talk to an account specialist, I have always been connect to someone in the US (maybe this is true only for Venture?) Except for the sign up bonus, I'm not very drawn to the Arrival.

I have CS now and am planning on PCing it to Freedom and apping for CSP. If you were to break down spending habits, strictly for traveling, I would think that CSP would be better than the Arrival. Also, it's only a 6 dollar difference in AF.


TheLethargicAge
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Postby TheLethargicAge » Tue Jun 04, 2013 8:02 pm

With the Arrival, do you get the same redemption rate on non-travel purchases? Or does it essentially a 1% card when you redeem for something other than travel?
Blue Cash Preferred ($24K), Costco TrueEarnings ($8K), Better Balance Rewards ($6K), CashForward ($15K), Sallie Mae Rewards ($10K), Quicksilver ($17K), AARP Rewards ($15K), Freedom ($15K), Double Cash ($16.5K), It ($28.5K), Fidelity Investment Rewards ($18K), Cash+ ($11K)

FutureBillionaire
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Postby FutureBillionaire » Tue Jun 04, 2013 10:05 pm

I prefer the flexible redemption offers that the CSP offers.
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

cashback
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Postby cashback » Tue Jun 04, 2013 10:15 pm

CSP is weak. Get Ink and enjoy the same UR benefits while having a card that is actually good and useful. Everyone defends CSP because of the UR mall and transfer of points, not because of the card itself.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

FutureBillionaire
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Postby FutureBillionaire » Tue Jun 04, 2013 10:37 pm

cashback wrote:CSP is weak. Get Ink and enjoy the same UR benefits while having a card that is actually good and useful. Everyone defends CSP because of the UR mall and transfer of points, not because of the card itself.


I eat out and travel all the time, so it works for me. The only other all the time restaurant card I have is the Citi Forward.

The Chase cards will work due to churning and for my cable bill. I actually use my Chase card quite a bit. Plus, I like the aesthetics of the card. Shallow, I know.
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

cashback
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Postby cashback » Tue Jun 04, 2013 11:31 pm

FutureBillionaire wrote:I eat out and travel all the time, so it works for me. The only other all the time restaurant card I have is the Citi Forward.

The Chase cards will work due to churning and for my cable bill. I actually use my Chase card quite a bit. Plus, I like the aesthetics of the card. Shallow, I know.


Right. And its only 2 points per dollar for that. 5x points or 5% cash back is better than that anyday. Better yet, on your way to the restaurant, stop at Staples/OD/OM and grab a gift card with an Ink card to where you're going. 5x UR points for your dining for just a little extra planning.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781

agp
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Postby agp » Wed Jun 05, 2013 7:04 am

cashback wrote:CSP is weak. Get Ink and enjoy the same UR benefits while having a card that is actually good and useful. Everyone defends CSP because of the UR mall and transfer of points, not because of the card itself.


Really depends on what you use it for. For my old consulting job, I used to spend over $20,000/year on airfare and God knows how much on food and hotel. It made the CSP well worth it.

As of Chase Ink cards... How much do you spend on office products and phone/cable? I spend about $80/month. I take my office products from my company when needed, so I can confidently say that this card doesn't help me one bit. But then you might run your own company and spend $20,000 on office-related products for employees like me to take.

See, all depends on how you use your card and what you use it for.

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

FutureBillionaire
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Postby FutureBillionaire » Wed Jun 05, 2013 7:57 am

cashback wrote:Right. And its only 2 points per dollar for that. 5x points or 5% cash back is better than that anyday. Better yet, on your way to the restaurant, stop at Staples/OD/OM and grab a gift card with an Ink card to where you're going. 5x UR points for your dining for just a little extra planning.


I can't get gift cards to a lot of places that I eat. When I do visit a chain, I buy gcs from the grocery store with BCP or another grocery card. The CSP is used when I go to places that don' t sell GCs. I do get 5% and 5x points half of the month when I'm not using my CSP. I like loading up my purchases on one card. CSP is the main card I use for travel right now. The miles I earn on Escape are being saved.
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

FutureBillionaire
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Location: Down South

Postby FutureBillionaire » Wed Jun 05, 2013 7:58 am

agp wrote:Really depends on what you use it for. For my old consulting job, I used to spend over $20,000/year on airfare and God knows how much on food and hotel. It made the CSP well worth it.

As of Chase Ink cards... How much do you spend on office products and phone/cable? I spend about $80/month. I take my office products from my company when needed, so I can confidently say that this card doesn't help me one bit. But then you might run your own company and spend $20,000 on office-related products for employees like me to take.

See, all depends on how you use your card and what you use it for.


Chase Ink is more useful for churning. Plus, I like that it doesn't show up on my credit report. I will be applying for one soon.
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

cashback
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Postby cashback » Wed Jun 05, 2013 4:02 pm

FutureBillionaire wrote:I can't get gift cards to a lot of places that I eat. When I do visit a chain, I buy gcs from the grocery store with BCP or another grocery card. The CSP is used when I go to places that don' t sell GCs. I do get 5% and 5x points half of the month when I'm not using my CSP. I like loading up my purchases on one card. CSP is the main card I use for travel right now. The miles I earn on Escape are being saved.


So use your Forward for eating out. 5 Ty points is better than 2 UR points.
Credit Cards
Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

Not Used
Citi Simplicity - 5K, Sam's Club Discover - 10K

Future Cards
Sallie Mae World Mastercard

FICOs
Exp 772 - TU 781 - Equ 781



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