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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wiivile
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Postby wiivile » Wed Nov 13, 2013 9:05 am

MemberSince99 wrote:I would like an actual travel card that can grow


What do you mean by a "card that can grow"?
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL


MemberSince99
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Postby MemberSince99 » Wed Nov 13, 2013 10:37 am

I mean a credit card that the limit will increase on over time and use. I burned Chase and thus that is not open and Amex is currently set to automatically decline CLI requests as well for the same reason.

Thus these products will not grow, unless something changes (and who knows when or if that will happen). Basically right now, they are what they are.

wiivile
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Postby wiivile » Wed Nov 13, 2013 12:55 pm

MemberSince99 wrote:I mean a credit card that the limit will increase on over time and use. I burned Chase and thus that is not open and Amex is currently set to automatically decline CLI requests as well for the same reason.

Thus these products will not grow, unless something changes (and who knows when or if that will happen). Basically right now, they are what they are.


Why isn't Chase going to grow? They have regularly increased my credit lines over the years.
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

TropicThunder
 
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Postby TropicThunder » Wed Nov 13, 2013 8:42 pm

I'm in a similar predicament with deciding to apply between these two cards.

To me the Arrival seems to fit better because I simply have no idea what the UR portal looks like or what kind of deals I could find to spend points on. I'm planning a Europe trip for next October and I can get a flight to Paris for $550 on Kayak; can UR beat that or is everything 90,000+ points? The flexibility to use any travel-related vendor rather than being locked in to Chase partners is really compelling.

MemberSince99
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Postby MemberSince99 » Thu Nov 14, 2013 6:49 am

wiivile wrote:Why isn't Chase going to grow? They have regularly increased my credit lines over the years.


I burned them years ago for a pretty good amount of money.

Yes, I realize I was "lucky" to get back in, but the point here is, that limit is going to stay that way for quite a while....so if I hadn't burned them, it probably would grow, but they made it clear that isn't going to happen.

Please note I am not blaming them just saying it's what it is. I'm surprised they let me back in honestly, and part of me wishes they hadn't and I hadn't tried. Before the annual fee is due I'm going to decide if I want this card long term knowing that's what the limit will be, and if not, I'll close it. I thought of asking them to PC to Freedom, but I'd eventually even like for that to be able to grow over time, so I won't ask that.

wiivile
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Postby wiivile » Thu Nov 14, 2013 7:13 am

TropicThunder wrote:I'm in a similar predicament with deciding to apply between these two cards.

To me the Arrival seems to fit better because I simply have no idea what the UR portal looks like or what kind of deals I could find to spend points on. I'm planning a Europe trip for next October and I can get a flight to Paris for $550 on Kayak; can UR beat that or is everything 90,000+ points? The flexibility to use any travel-related vendor rather than being locked in to Chase partners is really compelling.


but cant you book that same kayak trip on UR FOR 20% fewer points? 55,000 x 0.8?
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

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djrez4
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Postby djrez4 » Thu Nov 14, 2013 8:18 am

TropicThunder wrote:I'm in a similar predicament with deciding to apply between these two cards.

To me the Arrival seems to fit better because I simply have no idea what the UR portal looks like or what kind of deals I could find to spend points on. I'm planning a Europe trip for next October and I can get a flight to Paris for $550 on Kayak; can UR beat that or is everything 90,000+ points? The flexibility to use any travel-related vendor rather than being locked in to Chase partners is really compelling.


That's a pretty good price for a flight to Europe. Snag it if you can. Prices are normally $1200 and drop to $7-800 seasonally.

If you were to transfer your UR points to United, it would cost you 60k points to get from the US to Europe and back on a saver ticket. However, you can do things with an award ticket that you can't do with a Kayak flight. For example, Kayak makes it difficult, if not impossible, to take advantage of airlines' open jaw and stopover policies. $550 may get you a flight to Paris and back. 60k UR points can get you a flight to Paris, a flight from London to Lisbon with a week stopover, a flight from Lisbon to Frankfurt with a 23 hour layover (enough for a trip to the Biergarten), and a flight from Frankfurt home. You can't do that with Kayak.

Put another way, I'm looking at the following itinerary for the summer: DEN-IAH-PEK-ICN-IST-FRA-YYZ-DEN. Every segment except the DEN-IAH is in business class. It costs me 90k miles plus tax. On Kayak, that would be a $20,000 itinerary.

The Arrival card has its place, but so do fixed value points and miles.
[RIGHT][size=100]- Sapphire Preferred - Freedom - Ink - Platinum - Everyday Preferred -[/size]
[/RIGHT]

wiivile
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Postby wiivile » Thu Nov 14, 2013 10:06 am

Yeah but see my question above, even with that $550 Kayak itinerary, wouldn't it still be better with CSP than Arrival because you can book it on the UR mall for 20% fewer points?

With Arrival, he'd be redeeming 55,000 points and getting 5,500 back. (10% bonus for redemption).

With CSP, he'd be booking it on the UR travel site for 55,000 points minus 20% -- Just 44,000 points ($440).

Seems that even when you're buying fares for cash prices rather than points, the CSP is better, because you can use the UR mall to save 20% redeeming your points.
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

lexrj
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Postby lexrj » Thu Nov 14, 2013 11:49 am

In theory yes, but a lot flights don't show up on the UR mall. That is the main reason why I switched to the Arrival, I want to select whatever flight I want and not have to adjust with the rewards program.
I'd rather loose 10% than not being able to book freely.
---------------------------------------
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

wiivile
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Postby wiivile » Thu Nov 14, 2013 12:52 pm

If a flight on Kayak is not showing up on Chase, you should call Chase. Or, try entering the exact flight numbers. If they want you to be using their UR tool to book travel, then they have to be offering the same itineraries as sites like Kayak.
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL



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