CreditDonkey is a credit card comparison and financial education website. This website is made possible through financial relationships with card issuers and some of the products and services mentioned on this site. Advertiser Disclosure†

September 23, 2017

Review: Barclaycard Arrival Plus vs Chase Sapphire Preferred

Read more about Travel Rewards
Editorial Note: This content is not provided by the card issuer. Opinions expressed here are author's alone, not those of the issuer, and have not been reviewed, approved or otherwise endorsed by the issuer.
This article contains references to products from our partners. We receive compensation if you apply or shop through links in our content. You help support CreditDonkey by reading our website and using our links. (read more)

Both Barclaycard Arrival Plus and Chase Sapphire Preferred offer tempting sign-up bonuses, valuable rewards, and travel-friendly redemption options. So which one is better for you?

 

Barclaycard Arrival Plus

Chase Sapphire Preferred

Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase - Learn more

Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards® - Learn more

 

Interest Rates and Fees

Introductory APR for Balance Transfers0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening.N/A
Purchase APR16.99%, 20.99%, 23.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Balance Transfers APR16.99%, 20.99%, 23.99% Variable based on your creditworthiness and other factors16.99% to 23.99% Variable based on your creditworthiness and other factors
Annual Fee$89 annual fee, annual fee waived for first yearIntroductory Annual Fee of $0 the first year, then $95
 

Benefits and Features

TravelTravel Rewards: Use miles for a statement credit toward any airline purchase to any destination with no seat restrictions and no blackout dates. Easily redeem your miles for statement credits toward flights, cruises, car rentals, hotels and more. (Redemptions start at 10,000 miles for $100 toward qualifying travel purchases made in the last 120 days)

Get 5% miles back to use toward your next redemption, every time you redeem
Travel Rewards: 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases worldwide.
1:1 point transfer to leading airline and hotel loyalty programs
Airline Transfer Partners Airline Transfer Partners: Airline transfer partners include United Airlines, Southwest Airlines, British Airways, Air France, Korean Air, Singapore Airlines, and Virgin Atlantic.
 Apply NowApply Now

Both cards have a big signup bonus, but with different spending minimums. You'll need to spend $3,000 in the first 90 days with the Barclaycard Arrival Plus, or $4,000 in the first 3 months with the Chase Sapphire Preferred to earn the bonus.

But Chase points can get you further - we'll explain below.

Beyond the sign-up bonus, both cards share a nice travel benefit: trip interruption and cancellation coverage. When you book a trip with the Arrival Plus or Sapphire Preferred, your card will cover you for eligible expenses in the event that travel with your common carrier is interrupted or canceled.

As travel rewards card, neither charges a foreign transaction fee. Both also offer broad travel categories, meaning a wide range of travel-related purchases will rack up points with the Preferred, or be eligible for travel statement credit with the Arrival Plus.

Eligible travel purchases on both cards include:

  • Flights and airline purchases
  • Hotels and motels
  • Car rentals
  • Packages bought through travel agencies
  • Bookings made through discount travel sites
  • Cruises and ferries
  • Taxis and limousines
  • Trains and buses
  • Timeshares
  • Campgrounds

With the Preferred, that category expands even further to include Airbnb stays, Uber rides, parking fees, highway and bridge tolls, and subway fares.

Keep reading to see the pros and cons of each card.

Where the Barclaycard Arrival Plus Excels

Barclaycard Arrival Plus
Apply for Barclaycard Arrival Plus World Elite Mastercard
The Arrival Plus rewards your everyday spending while earning travel rewards, with 2x points on all purchases and the ability to redeem your miles for travel statement credit against a wide range of travel-related purchases - even travel booked through discount sites.

  • $89 annual fee (waived for the first year)
  • 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days
  • 2x miles on all purchases
  • 5% redemption bonus on miles redeemed for travel statement credit
  • Intro APR for balance transfers
  • Free monthly FICO score

With the Arrival Plus, you'll earn 40,000 bonus miles when you spend $3,000 in your first 90 days. That's worth $200 in cash back or $400 in travel statement credit, which can be applied to eligible travel-related purchases made in the previous 120 days.

Being able to redeem miles for travel statement credit offers flexibility, with no blackout dates or seat restrictions and a broad selection of eligible travel purchases. If you opt to go that route, you'll be able to redeem your miles in increments of 10,000 miles and you'll get a 5% redemption bonus - that's 500 miles back for every 10,000 that you redeem for travel statement credit.

Tip: You can redeem your miles for cash back in increments of 5,000, but you'll get half as much value out of them.

If you want to be able to redeem miles for travel statement credit in smaller increments, consider the Capital One Venture Card. It earns 2x points on all purchases but it lets you redeem miles in odd increments (with a minimum redemption of 2,500 miles.)

With 2x miles on all purchases, 1 cent per mile for travel statement credit, and a 5% redemption bonus, you'll effectively be able to earn 2.1% cash back (in the form of travel statement credit) with the Arrival Plus. That's a competitive rate for any travel rewards card with a comparably low annual fee.

Finally, although the Arrival Plus doesn't offer an introductory APR on purchases, it does carry a 0% introductory APR for 12 months on balance transfers made within the first 45 days of account opening. After that, the regular variable APR is 16.99%, 20.99%, or 23.99%.

You'll also be able to check on your FICO score each month at no extra cost, although considering that there are other options for checking your credit score, this might be more of a fringe benefit.

Where the Chase Sapphire Preferred Excels

Chase Sapphire Preferred
Apply for Chase Sapphire Preferred Card
The Sapphire Preferred is a top contender among travel rewards cards for its valuable sign-up bonus, flexible redemption options, and the opportunity to pool your points between Chase accounts. This might be the card for you if you're looking for a dedicated travel rewards card and want to book an upcoming trip on points.

  • $95 annual fee ($0 introductory annual fee for the first year)
  • 50,000-point sign-up bonus after you spend $4,000 on purchases in the first 3 months from account opening
  • 2x points on travel and dining
  • Redeem points for 1.25 cents each toward travel through Ultimate Rewards
  • 1:1 points transfers to airline and hotel partners
  • Primary car rental insurance

While the Sapphire Preferred has a slightly higher annual fee and earns 2x points only on travel and dining purchases, it offers some unique redemption options that can give it a leg up.

With the Preferred, you'll earn 50,000 bonus points after spending $4,000 in the first 3 months. You can redeem those points for $500 cash back (at 1 cent per point), for $625 toward travel through Ultimate Rewards (at 1.25 cents each), or transfer them to an airline or hotel partner to potentially stretch them even further. There are no redemption minimums and your points won't expire as long as your account is open and in good standing.

Tip: Keep in mind that you won't always find the best deals on travel with Ultimate Rewards. Depending on your travel plans and preferences, you might be better off shopping for flights and hotel rooms through other platforms. As a silver lining, you'll still earn 2x points on eligible purchases made through discount travel sites.

Those 1:1 transfer opportunities with airline and hotel partners are a huge draw for the Preferred, as you can strategically transfer your points to a partner that offers the best value for your trip.

You can combine points between Chase cards, meaning you'll be able to move points you've earned on other Chase cards - including cash back cards like the Freedom, Freedom Unlimited, and Ink Cash - to your Sapphire Preferred, and then redeem them toward travel with UR or transfer them to an airline or hotel partner.

Note: Chase is particular about which accounts are eligible for combining points. You can move your points "only to another Chase card with Ultimate Rewards belonging to you, your spouse or domestic partner, as applicable."

In addition to travel protections, you'll receive primary auto collision and damage coverage from your Preferred. That coverage will allow you to skip the car rental company's insurance while still being covered against theft, physical damage, and towing charges for eligible repairs (up to the actual cash value of the car.)

Tip: Looking for higher-end travel perks, but like the Preferred's rewards structure? Consider the Chase Sapphire Reserve. The Reserve comes with a much higher annual fee ($450), but offers 3x points on travel and dining, $300 in annual travel credits, and a long list of luxury travel perks.

Should You Get Both?

If you can earn their sign-up bonuses, spend enough on each card to break even on their annual fees, and frequently spend on travel-related purchases, you might consider applying for both cards.

It's almost never a bad idea to diversify your points/miles, and by carrying both cards you'll be able to benefit from the Preferred's valuable sign-up bonus and perks while earning consistent rewards with the Arrival Plus.

With the two cards, you'll have a total of $184 in annual fees. The Barclaycard Arrival Plus, with an $89 annual fee, 2x miles on all purchases, and 1 cent per mile redemption rate, would need to earn 8,900 miles annually to break even on its cost - that's $4,450 in annual spending when you redeem miles for travel statement credit.

If you only used the Preferred for travel and dining purchases, you would need to charge $3,800 to break even on the annual fee with 7,600 points (worth $95 toward travel with Ultimate Rewards.) That number will drop even lower if you transfer your points to an airline or hotel partner and maximize their value.

If you already hold a card that earns extra points on travel and dining, or a card that earns extra points on all purchases and carries travel-oriented redemption options, you might want to choose just one of these cards to round out your earnings.

Bottom Line

Deciding between the Barclaycard Arrival Plus and Chase Sapphire Preferred depends on your travel needs, spending habits, and what cards you already carry.

  • The Sapphire Preferred offers a sizeable sign-up bonus, with 1:1 point transfers making that bonus even more valuable. The Preferred can give significant value up front, but won't rack up points quickly after that - unless you reserve it for travel and dining purchases.

  • The Arrival Plus, on the other hand, offers a less valuable sign-up bonus but consistently earns 2x miles on all purchases, with a potential effective rewards rate of 2.1%. Although the Arrival Plus won't award as many points up front, it might earn more value for you in the long run.

If you currently hold a Chase card like the Freedom Unlimited, which earns 1.5% cash back on all purchases, you might want to sign up for the Preferred, earn extra points on travel and dining, and combine your points. Or, if you already carry a card that earns extra points on travel, like the Capital One Venture Card, you might be drawn to the Arrival Plus' 2x points on all purchases and travel-oriented rewards structure.

Chase Sapphire Preferred Card
Apply for Chase Sapphire Preferred Card
At Chase's Secure Site
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR for PurchasesIntro APR for Balance TransferRegular APRAnnual Fee
N/AN/A
16.99% - 23.99% Variable
Introductory Annual Fee of $0 the first year, then $95

Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. This site may be compensated through the Advertiser's affiliate programs.

Disclaimer: The information for the Chase Freedom, Chase Sapphire Reserve, Ink Business Cash Credit Card, and Capital One® Venture® Rewards Credit Card has been collected independently by CreditDonkey. The card details on this page have not been reviewed or provided by the card issuer.

More from CreditDonkey:


Barclaycard Arrival Plus Review


Chase Sapphire Preferred Review


Airline Miles for Beginners

More Articles in Reviews


Travel Cards

Credit Card for Traveling Abroad

The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. Read this before you take off.

Leave a comment about Review: Barclaycard Arrival Plus vs Chase Sapphire Preferred?


Chase Sapphire Preferred

Chase Sapphire Preferred offers often overlooked travel and purchase benefits that can help you save a ton of money. Be protected in case of the unexpected.

    Beginner's Guide to Airline Miles and Points

    Learn how airline miles work and the 10 steps you should follow to start collecting travel rewards. Before long, you'll be well on your way to redeeming miles for flights and hotel rooms.

    Hotel Rewards

    The sign-up bonuses for hotel rewards credit cards can be tempting, but is a hotel card right for you?

    Airline Rewards

    The best airline credit card racks up miles fast with reasonable fees and amazing rewards.

    Travel Rewards

    Looking for a new travel credit card?

    Foreign Transaction Fee: What to Know Before You Travel Abroad

    Before you go on a trip overseas, be sure you have a credit card with no foreign transaction fees. Read on to learn how to save money on international travel.

    Credit Card Deals

    Signing up for a card with a sign-up bonus or an introductory offer can be a great way to get a head start on earning rewards or to get a handle on your debt.

    Hot Deals: Latest Credit Card Offers

    Signing up for a new credit card is easy. Choosing the right one - the one that fits your spending habits - is the challenge. The experts at CreditDonkey are here to help you find the right choice, starting with deals from our partners.

    Dining Rewards

    If you're usually eating out rather than slaving over a hot stove at home, make a point of using a rewards credit card every time you pick up the tab and save up some serious cash.

    Best Credit Cards

    Here are the CreditDonkey picks for "Best Credit Cards" from our partners in the following categories ...

    Credit Card Rewards

    So you've decided you want to earn rewards for your spending but aren’t sure how to pick the right card?

    No Foreign Transaction Fee Credit Cards

    Most credit cards tack on a 3% charge, or foreign transaction fee, on purchases made outside the United States. If you travel internationally with a no foreign transaction fee credit card, you'll save money on your purchases.

    Credit Card Deals for People with Excellent Credit

    If you have excellent credit, now is the time to take advantage of it.

    Barclaycard

    For Credit Card Cash Back Barclaycard CashForward™ World MasterCard® Travel Barclaycard Arrival Plus® World Elite Mastercard®

    Travel Credit Card Deals

    To learn more, visit Chase's secure website for more information, including their online application.

    Study: Credit Cards for International Travel

    The best credit cards for international travel have no foreign transaction fees, chip technology and worldwide acceptance. Read this before you take off.

    Study: Hotel Credit Cards for Free Nights

    Must-read list of hotel credit card promotions. Check out this essential list of credit card offers before your next hotel stay.

    Study: Credit Card for European Travel

    Traveling to Europe? Look for a card with chip technology and no foreign transaction fees. Here are our favorite cards for international travel.

    Chase Sapphire Preferred vs Capital One Venture

    Which travel credit card is better for you? Read this in-depth comparison of Chase Sapphire Preferred and Capital One Venture, two popular travel rewards cards.

    Review: Chase Sapphire Reserve vs AMEX Platinum

    Both offer high sign-up bonuses, high rewards rates in their bonus categories, premium travel perks and hundreds of dollars in potential annual credits. Not bad, right?

    Review: Chase Freedom Unlimited vs Chase Slate

    Looking to make a large purchase or pay down credit card debt? Chase Slate or Chase Freedom Unlimited might be for you.
More Articles in Reviews






About CreditDonkey®
CreditDonkey is a credit card comparison website. We publish data-driven analysis to help you save money & make savvy financial decisions.

Editorial Note: Any opinions, analyses, reviews or recommendations expressed on this page are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.

†Advertiser Disclosure: Many of the card offers that appear on this site are from companies from which CreditDonkey receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditDonkey does not include all companies or all offers that may be available in the marketplace.

*See the card issuer's online application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all information is presented without warranty. When you click on the "Apply Now" button you can review the terms and conditions on the card issuer's website.

CreditDonkey does not know your individual circumstances and provides information for general educational purposes only. CreditDonkey is not a substitute for, and should not be used as, professional legal, credit or financial advice. You should consult your own professional advisors for such advice.