Card Comparison: Chase Sapphire Preferred vs. Barclaycard Arrival Plus Card Offers

If you already have the Chase Sapphire Preferred® Card and the Barclaycard Arrival Plus™ World Elite MasterCard®, this post isn’t for you. But if you’re intrigued by these top two rewards cards – pay, pay attention. Since I’ve received some recent emails from readers asking which card is better, I thought I’d do a comparison post on two of the hottest personal rewards cards out there.

Link: Chase Sapphire Preferred® Card

Link: Barclaycard Arrival Plus™ World Elite MasterCard®

Barclaycard even did some comparing of their own on the Arrival Plus application page. Check it.

 

 

compare

 

I don’t think their comparison tells the whole story, so it’s time for a Noob card comparison and a fight to the finish. Think Ali vs. Frazier, Sherman vs. Crabtree (that’s a sports reference). Anyway, here are the perks laid out on the Chase Sapphire Preferred and Barclaycard Arrival Plus cards.

 

Best Sign-Up Bonus 

The Chase Sapphire Preferred® Card comes with a sign-up bonus of 50,000 bonus points when you spend $4,000 on purchases in the first 3 months . But you will also receive an additional 5,000 Ultimate Rewards points by adding an authorized user. Being an authorized user won’t disqualify you from applying for the card yourself.

50,000 Ultimate Rewards points is worth $500 in cash or credit card statement credits (not my preferred redemption method), or you can stretch out the value of your points by transferring them out to one of the many Ultimate Reward travel partners.

The Barclaycard Arrival Plus card comes with a sign-up bonus of $500 in travel after spending $3,000 in 3 months. But you will also receive a 5% rebate on all redemptions, so that $500 in travel is actually worth $525 in travel.

The Chase Sapphire Preferred has the slight advantage here, because 50,000 Ultimate Rewards points are worth more than 50,000 Barclaycard Arrival points.

Winner: Chase Sapphire Preferred® Card

 

Best Spending Benefits 

The Barclaycard Arrival Plus card earns 2x points on ALL purchases. That’s easy and pretty dang convenient.

The Sapphire Preferred earns 2x points on travel and dining (3x on the first Friday of every month) and one point on everything else. Boo to 1x earning. Ok, earning 1x is better than nothing.

I give the nod here to the Arrival card for simplicity, and 2x on all credit card swipes.

Winner: Barclaycard Arrival Plus™ World Elite MasterCard®

 

Best Perks Chase Sapphire Preferred or Barclays Arrival Plus?

Ah, the perks. I love rewards credit cards that pack a lot perks.

The Sapphire Preferred has no foreign transaction fees, is a chip & signature card. Those are some hearty benefits.

The Sapphire Preferred is also a Visa Signature card, so it comes with some sweet additional perks.

The Barclaycard Arrival Plus card has no foreign transaction fees, comes with a 0% intro APR on purchases for 12 months (not that you should ever carry a balance), complimentary Tripit Pro membership, free monthly credit score update, and a 10% rebate on all award redemptions.

The Barclaycard Arrival Plus card is a Mastercard and comes with some additional perks too, but they aren’t as sexy as the Visa Signature perks. Still solid, though.

Shockingly, I’m going to go with the Arrival card on this one. The free monthly credit score update and 10% rebate on all redemptions is just too saucy. Yeah. I said that.

Winner: Barclaycard Arrival Plus™ World Elite MasterCard®

 

Best Point System

This is where things really start to differentiate. And depending on your travel plans and needs, this is probably where you choose which card makes the most sense for you.

The Barclaycard Arrival Plus card is a “fixed value” points program, meaning a point is worth what a point is worth. 40,000 Arrival points is worth $400 in travel. You can redeem your Arrival miles as statement credits toward travel purchases easily through your Barclaycard online account.

Using Arrival miles is great for those travel purchases that other miles cards wouldn’t cover, like trains, cruises, car rentals, and B&Bs. Since Arrival miles are seen as revenue bookings, there are no black out dates, and you can still earn elite qualifying miles and stays when you use your Arrival miles on a redemption.

(Using your Arrival miles for statement credits outside of travel isn’t a good option, since you get half the value.)

The Chase Sapphire Preferred® Card earns Ultimate Rewards points which can be used liked fixed value points for statement credits, etc. AND they can be transferred out to many top loyalty programs, like: British Airways, United, Southwest, Korean Air, Hyatt, IHG, Marriott, Amtrak, Virgin Atlantic, and Ritz-Carlton.

 

Ultimate Rewards Transfer Partners

Ultimate Rewards Transfer Partners

 

The transfer partners of Ultimate Rewards provide a lot of options when it comes time to book an award. And trust me, you will receive more value by transferring your points out to travel partners than by booking through their online portal. For example, you can transfer 60,000 Ultimate Rewards points to United which is enough points for a round-trip ticket in economy to Europe. That ticket is easily worth $1,000. It would take 100,000 Arrival miles or fixed value points to get the same booking. Make sense?

Transferring points is instant and always at a 1:1 ratio. And it’s so easy a Noob can do it.

Since Ultimate Rewards points can be transferred out to many loyalty programs at a better value, I have to give the edge to the Sapphire Preferred here.

Winner: Chase Sapphire Preferred® Card

 

Conclusion

You can’t lose with either of these cards, but if I was to apply for only one, it would be the Chase Sapphire Preferred® Card. It has the higher offer, and earns Ultimate Rewards points which are move versatile and valuable. However, having both the Arrival and Sapphire Preferred makes sense too, since they serve different purposes and are from different banks. Jordan has both of them currently, and I’ll be adding the Arrival Plus card to my wallet soon.

If you’re looking to apply or see more details on the cards, the links are below.

Link: Chase Sapphire Preferred® Card

Link: Barclaycard Arrival Plus™ World Elite MasterCard®

 

Geoff Whitmore

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Card Comparison: Chase Sapphire Preferred vs. Barclaycard Arrival Plus Card Offers
4.86 (97.14%) 7 votes

About the Author

Geoff Whitmore
Geoff Whitmore is lead traveler/writer at noobtraveler.com, a blog dedicated to educating its readers on credit cards, reward points, and and cost-saving travel techniques. The blog particularly focuses on new travelers (or as they like to call them, “Noobs”), and it teaches its readers how to save BIG. All the while, the site maintains a humorous writing style that is both fun and informative.

148 Comments on "Card Comparison: Chase Sapphire Preferred vs. Barclaycard Arrival Plus Card Offers"

  1. It’s not totally clear to me from your post, but I think it’s worth clarifying that the Barclaycard Arrival only gives a 10% rebate when applying a statement credit towards travel.

    • Sorry for any confusion, but yes the 10% rebates is only for travel redemptions. But I wouldn’t ever redeem Arrival points for anything besides travel, since you get half the value. I will update the post for clarity soon.

  2. Agreed on the Sapphire Preferred. The opportunity to redeem points for higher than 2.2 cents/pt is well worth the dining/travel-only bonuses.

    Is the free FICO score different from the credit reporting agencies’ scores? Because I already get two of those for free.

  3. this comparison post is kind of awesome. especially because these cards really do compete. i’d love to see more of these!

  4. It’s hard to pass on the Arrival card with the current spend requirement of only $1k in 3 months.

  5. It’s hard to pass on the Arrival card when the spend requirement is so low.

    • It appears the Arrival now has a minimum spending requirement of $3,000 in 3 months. That’s the same as the Sapphire Preferred and makes it an even closer comparison.

  6. So my biggest question is based on this scenario: I plan to travel, mainly cross-country for family. I won’t be spending on travel, but rather redeeming for travel (thats really my biggest question, because i wont be spending on travel, is one card preferred over the other? I’ll rack up points based on usage as I will be using the card for all purchases, including a monthly rent and mortgage payment. So would Arrival be preferred in this situation because i would really just be redeeming points/miles for travel rather than spending on travel?

    • Great question! It really depends on how you plan on redeeming. If you want to travel internationally – I would go with the Sapphire Preferred. If you want no hassle booking for domestic travel – the Arrival is a great option. It’s really splitting hairs though. :)

  7. Will I have any issue being approved for both the Sapphire Preferred and Barclaycard Arrival cards?

    • As long as your credit score is in good condition, you shouldn’t have any issue getting approved for two credit cards. They are backed by different banks so it shouldn’t be a problem at all. I have both of these rewards cards and use them for different purposes. And my wife has them too. :) They are the two best personal rewards cards out there, imho.

    • Barclaycard can be a bit picky about how many inquiries you have, so apply for that first then the sapphire

  8. Have you traveled internationally with your Barclaycard Arrival card? Did you have any issues since it doesn’t offer smart chip technology?

  9. I love my Sapphire Preferred card, but would like to apply for the Barclaycard Arrival now because of the 10% rebate. Nothing wrong with having both cards I assume. Yet, my question is if the 10% rebate is on all redemptions or just travel redemptions?

    • Hi Anish. There’s definitely nothing bad about having both the Sapphire Preferred and Barclaycard Arrival cards. They can each serve different purposes. To answer your question, the 10% rebate is only for travel. I wouldn’t recommend using your Arrival points for any thing besides travel purchases though, because you get double the value. Hope this helps!

    • Only travel redemption’s unfortunately.

  10. I like to take cruises. Should I apply for the Barclaycard Arrival or Sapphire Preferred to earn points that I can use to pay for an international cruise to Greece? Thanks for all your advice in advance.

    • You can use points/miles from both the Sapphire Preferred and Barclaycard Arrival card toward cruises. So either rewards card or both would work.

  11. Are there any benefits for paring the sapphire with a chase banking acct?

  12. I like the Arrival because it has even more flexibility than the Sapphire.

  13. love arrival card, nothing beat cold hard cash back!

  14. I love both my Chase Sapphire Preferred and Barclaycard Arrival card. They complement each other very well. Ultimate Rewards points are still my favorite currency, but I love being able to book boutique/independent hotels while traveling using my Barclaycard Arrival. It gives me a very useful and diversified point strategy!

  15. Love my CSP…had for right at a year now and use it for most everything!!

  16. I prefer the Barclay card Arrival because I can redeem my points for Priceline purchases.

  17. I love the Sapphire for the UR points. I mean, who doesn’t love UR points!?

  18. I prefer Barclaycard as it allow partial travel purchase redemption also and with family I have to travel during peak season so don’t get any award seats.

  19. I like the Barclay Card Arrival because of the free monthly credit score.

  20. I like the chip feature in the Chase Sapphire card. Getting hacked in the Target mess was a pain…..

  21. Saphire since it adds to my UR points. Also, the chip technology is sweet.

  22. because the points from the chase sapphire will help me visit my cousin in London!

  23. I’d choose Sapphire just because the majority of my spend goes towards restaurants and I can use the portal to accrue more UR points!

  24. Sapphire. Lots of ways to earn and redeem points!

  25. I love Barclay Arrival. Not only can I use it to cover taxes, fees, car rentals, trains and other travel expenses not normally covered by points, but you also gain points on the travel that you book with Arrival points. Using it for an anniversary Napa Valley visit later this year. Winning all around.

  26. I love Sapphire Preferred because of the 2x I get at the restaurants.

  27. I love Barclaycard because it is simple and easy! 2x points for everything; also, the points are instantaneously shown on my credit card statement after each purchase I made! Ka-Ching!
    I also love the extra points you get from Barclaycard when you post on their travel community – 150 points is a great help specially when you have a goal to meet!

  28. The Sapphire Preferred is great because the points add up so quick and easy. But I really love my Baclays Arrival for dining out.

  29. I have them both. I use the CSP all the time; have used the pionts to help get me to Ireland this summer. I used the Arrival to get a free cruise. Decisions, decisions… I think in the end the CSP, because it also “frees” my Freedom card’s points.

  30. Arrival Card: Let me count the ways that I love thee. Hands down my favorite card (Discover It is a close second). I love the flexibility to use it to stay in none brand hotels or Airbnb apartments.

  31. Well, I got both! Booyah! Love Chase UR points, and love that Barclay’s helps me pay down travel expenses when I actually have to pay cash… which, sadly, does happen!

  32. Love Sapphire Preferred because it has no foreign transaction fees and their URs program!

  33. I love the access to Chase that I get with the Sapphire Preferred–always VIP service!

  34. If I had to pick, it’d be the Sapphire, I’m too stinking loyal to my wonderful UR points, but they compliment each other so well, it’d be dumb not to get both of them….which I did!

  35. barclay would be my choice, i suggest it to my friends because how user friendly redemption is

  36. I like this Sapphire Preferred card because you earn 2X the points on travel and dining.

  37. I’d choose Sapphire. The points add up quick!
    heatheranne99 at gmail dot com

  38. Sapphire for sure, Chase has great customer service, and it’s easy to meet the spends.

  39. I actually am a HUGE fan of the Barclay Card – since starting out with my NFL Card. I’m also glad to see a new, and powerful player like Barclay come to the scene to help us get better points programs.

  40. The Barclaycard Arrival card earns 2x points on ALL purchases. You can’t beat that!

  41. I like the Barclaycard Arrival due to the 2 points / dollar on ALL purchases.

  42. Sapphire has more overall rewards. Thai’s it!

  43. Easy to redeem Barclaycard Arrival points for any travel + 10% miles bonus!

  44. I do not have the Barclaycard Arrival card (will someday),but certainly wear out my Chase Sapphire Preferred ! Just today did a check on my ultimate rewards balance and am thinking/planning some great way to use them.

  45. The Barclaycard Card is great as you can use it on travel that you cannot use points on such as our travel to Bali a month ago. We stayed at the Komaneka at Tanggayuda in Ubud. The hotel for 4 days was 1150, but using the $425 credit from the Barclaycard card, we only paid 725 for 4 nights at a 5 star resort!

  46. Have both but still prefer Chase Sapphire! The 2x points on travel expenses is great for all my business travel and I find UR most valuable!

  47. I prefer Chase Sapphire. Solid transfer partners for my travel pattern.

  48. I like the Arrival more because it is the only card I can use to erase a travel expense such as a cruise. I can use Ink or Freedom for much of what you can do with Sapphire but I don’t have any other card that does what Arrival does.

  49. Sapphire Preferred is one of the bests ways to get UR points which are my favorite because they’re so flexible.

  50. I love the Chase Sapphire because there are a lot of popular airlines and hotels you can transfer points to!

  51. Oh Sapphire Preferred, why do I love thee so? Let me count the ways:
    * Double points on dining and travel
    * Triple points on First Fridays on dining
    * Multiple transfer partners
    * 1:1 transfer ratio
    * Household transfers
    * Additional options for multiple point earnings though their shopping and dining programs
    * Phenomenal customer service, and no VRU system to deal with when you need to reach them

  52. I love all the attention I get for having such a sweet looking card. Almost every time I check out someone comments on it.

  53. Arrival with 2x and 10% rebate

  54. Sapphire card flexibility works the best for me.

  55. I have both cards. Sapphire is very versatile for my transfer appetite-United, Hyatt, and Korean Air-all possible with UR points. Arrival is no restrictions on redemption card and allows me to go outside the regular chains and explore unique things. Both cards don`t have foreign transactions fees-very convenient.

  56. I like the sapphire because it transfers to so many programs making miles worth even more

  57. I prefer the Arrival because I can use it for redemption on travel expenses at very exotic destinations. I’m traveling in Kyrgyzstan now and know my purchases here will be super easy to redeem when I am back in the US. Love the Arrival!

  58. Sapphire is my baby. ALWAYS get cool reactions from vendors when they hold the card in their hands. They think I’m from the future or something!

  59. The Sapphire Preferred has so many options to use your points on. It’s overwhelming!

  60. Both these cards have just helped me book my trip to Hawaii this summer. The Sapphire UR points helped me get my airline ticket and Arrival points were used for rental car reservations. Love them both!

  61. I like Sapphire more based on my personal travel needs. It is more useful and versatile to me.

  62. Sapphire preferred… Gives a lot of flexibility and redemption options

  63. Sapphire Preferred because it gives me the flexibility to transfer points to other programs like Hyatt and IHG!

  64. The choices to transfer to several hotels and airlines that I enjoy.

  65. I would like the Barclaycard Arrival card with the 2X the points on all purchases and the 10% bonus!

  66. I prefer the Arrival. I downshifted from Sapphire Preferred to Sapphire because there are so many other great ways to get UR points, who needs an annual fee? I use the Arrival for travel taxes and fees.

  67. I prefer the Barclay Arrival card..especially for twice the bonus points on every purchase. Doesn’t get any better than that!

  68. Sapphire–it’s just so pretty!

  69. I prefer the sapphire because of the many UR transfer partners!

  70. I love getting that 7% bonus in February to boost my Hyatt account!

  71. I prefer the sapphire card because of the Ultimate Rewards.

  72. Sapphire Preferred over the Arrival bc of the transfer partners

  73. I like the CSP because it’s so easy to earn high quality points that can be used for so many things!

  74. The sapphire points allow you to gain more value by converting to airline or hotel points which most times is more valuable than the cash back value!

  75. I love the Sapphire because of the double/triple points for dining. I eat out a lot so this card is perfect for me!

  76. I like the barclays arrival since it’s the easiest to redeem and use points….anything travel-related counts!

  77. For big awards, I think Chase has to be the winner. I’d never be able to book business class ticket with Barclay alone, but being able to combine Ultimate Rewards between accounts makes that possible.

  78. Sapphire Preferred – 2x points for dining and 3x on 1st Friday :)

  79. Sapphire all the way! Being able to transfer the points and increasing their value tenfold makes this card the better option.

  80. Sapphire Preferred is my go to card when travelling abroad.

  81. The Sapphire, 7% Annual Points Dividend on all new points earned on purchases throughout the
    year – even points you have redeemed!!!

  82. Sapphire Preferred has the Ultimate Rewards which can be pooled with the 5x quarterly bonus points from my Freedom card. Then again, the Arrival is pretty sweet for all other purchases and great for covering those taxes on airline reward redemptions too… Not to mention the 40k point bonus posted instantly once I hit that $3k spending threshold, unlike the 6-8 weeks other credit cards take.

  83. I love the Sapphire Preferred because Ultimate Rewards points can be used in so many different ways!

  84. It’s nice to have a 2.2x earning card, in the Arrival, that I can use against most travel expenses since points won’t always cover it at all or as efficinetly.

  85. I like the Sapphire Preferred for all the transfer partners.

  86. I like the Barclay card because of the 2x points on everything.

  87. Barclaycard – I earn plenty of UR points on my INK card. Cash credit is nice for those pesky dollar expenses.

  88. I like the ‘flexible points’ capability of the Chase Sapphire Ultimate Rewards.

  89. I like Barclay Arrival points to cover travel costs that I cannot cover with other miles and points.

  90. When I’m traveling people oooh and ahhh over the feel and weight of the card.

  91. Barclaycard Arrival card opens up options not covered by the Ultimate Rewards points earned with Chase Sapphire Preferred. Like Bed and Breakfasts.

  92. I have sapphire preferred and it is a great card. I like to travel and the transfer program is the tops!

  93. I like Sapphire for the dining points.

  94. The Sapphire is definitely “Preferred”. The UR Program is awesome!

  95. Sapphire for annual dividend.

  96. I like the travel community!

  97. I like the ability to use the Arrival Card points for Airbnb.

  98. I love the points system!

  99. I love the Sapphire Preferred. I can transfer points here or there. It’s beautiful! :)

  100. I’ve had over 10k points from years of having Freedom Chase. After getting Sapphire Preferred, now I can finally transfer my bonus miles from Sapphire and Freedom Chase to United miles to fly!!

  101. What I appreciate about the sapphire preferred card: no foreign transaction fees and extra points related to travel!

  102. sapphire preferred. the points are so versatile.

  103. Husband has the World Arrival and I am waiting to apply for one too. This card has already given us back $480 back for travel expenses! I have the Chase Sapphire Preferred and have used it for car rental which saved us $450 in Hawaii! Love both!

  104. The Sapphire Preferred card has helped me go on vacations

  105. I like the Sapphire preferred for UR points. They sure come in handy when trying to plan a spur of the moment trip and you need to go with scheduling rather than the best points deal! (Plus it looks and feels so cool!)

  106. Love the Sapphire – the points are so easy to use

  107. I love the Sapphire Preferred’s Transfer Partner Options!

  108. Easy to use and great!

  109. I like the no foreign use charge. vandenbossche3@hotmail.com

  110. It’s heavy. And its blue.

  111. The look and feel of the card make it extra cool, but the I like the double ultimate rewards points on dining even more!

  112. Sapphire Preferred is one of my top two favorite cards in terms of point accumulation, perks, ease of use, and she’s so sleek!

  113. Love the 2x points and bonus. I like to see competition for Chase and Citi

  114. Barclaycard all the way! I love the 2% rewards on everything

  115. I like the 0% intro APR on purchases for 12 months

  116. I prefer the versatility of the Chase Sapphire Rewards points.
    runningmatey at hotmail dot com

  117. Love the 2x points on dining with the Sapphire Preferred card!

  118. Great redemption options with those Chase UR points; definitely the winner for me.

  119. I like the 2x the points on dining for the Sapphire preferred!

  120. No foreign transaction fees; that’s a big deal for me with this card. Very nice!
    ~~~~~~~~~~~~~~~~~~~~~~~~~~~
    margueritecore [at] gmail [dot] com

  121. Best thing about sapphire has to be the respect I get when using it!

  122. Sapphire Preferred has a real nice metal feel and comes with chip — chip is great overseas while Arrival still relies on swipe.

    jknoll public *at gmail *dot com

  123. I like that you can redeem Barclay points in $25 increments.

  124. sapphire is great — UR very flexible, nice transfer bonus

  125. I like that the The Barclaycard Arrival card comes with a 0% intro APR on purchases for 12 months.

    rounder9834 @yahoo.com

  126. Sapphire; got to love the commercials.

  127. The feel of CSP!

  128. I’ll be sure to keep the Sapphire Preferred card in mind – I’m about to marry into a Portuguese family, so we’ll be traveling back and forth to Europe a lot! And I am a complete travel noob myself, so the promise of “so easy a noob can do it” is all the tempting I need from you lol

  129. I like that the Barclay’s Arrival Card has no interest for 12 months! That is wonderful!
    Thank you for the chance!

  130. I prefer the Chase Sapphire Preferred card because I have always been a Chase fan. I like that it has a sign up bonus of 50,000 Ultimate Rewards points!! teebe008 (at) yahoo (dot) com

  131. 3x on the first Friday of every month is a REALLY great and unique perk. We can schedule to make significant purchases on that day.

  132. I have the Barclaycard card and eagerly awaiting for the chip version!

  133. I already have 3 chase cards. My third Card was IHG and I had to do some negotiating to get it. I have a Fico score of 762. It left me a little anxious about trying again with Chase. Please advise.

  134. Thank you for the info

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