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Sapphire preferred v Barclays Arrival plus
We’ve been exclusively using Barclays Mastercard as our every day spend and travel card. Hardly ever use Sapphire preferred as we like to have one card that we both use as opposed to multiple cards. We have liked using this MasterCard. Is there any reason we should switch to Preferred or Reserve? What do you think of the Barclays Arrival Plus as THE primary card for everyday use?
Welcome @StephanieDixon – I think it depends on your travel goals. The nice thing about the Arrival+ is that you’ve got 120 days after the travel purchase to accumulate enough points to cover the charge. And even if you can’t cover the whole charge in 120 days you can redeem whatever points you do have. So I use that to cover things like cruises and tours. No matter where you use the card you get 2x points per dollar – and no matter what kind of airfare/hotel purchase you made, your cost is 1 cent per point. So a $500 charge always costs 50K points.
With the CSP, those points can be transferred to airlines (or even to Hyatt) to cover the cost of airfare where you might actually get more that 1 cent/point in value. So you could transfer the UR points earned on the CSP to, say, United and they’ll charge you 60K points one way for a saver business class flight award that costs $6300. So as long as you can find award space you’re actually getting 10+ cents per point in value.
Diversity is a great thing in this hobby so could you handle two cards? Use the CSP for dining and travel expenses and the A+ card for everything else?
Ben’s post: [URL]http://onemileatatime.boardingarea.com/2018/02/20/if-you-could-only-use-one-credit-card-for-everyday-spend[/URL]