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If you already have the Chase Sapphire Preferred® Card vs Barclaycard Arrival Plus® World Elite Mastercard® (EXPIRED) this post isn’t for you. But if you’re intrigued by these top two rewards cards – pay attention. Since I’ve received some recent emails from readers asking which card is better, I thought I’d do a post on the Chase Sapphire Preferred vs. Barclaycard Arrival Plus.

Want to jump ahead? You can learn more here: Chase Sapphire Preferred® Card or Barclaycard Arrival Plus® World Elite Mastercard® (See Rates & Fees here) for more information on the Arrival Plus.

Here are the perks laid out on the Chase Sapphire Preferred and Barclaycard Arrival Plus cards.

Best Sign-Up Bonus Chase Sapphire Preferred or Barclaycard Arrival Plus?

The Chase Sapphire Preferred® Card comes with a sign-up bonus of 60,000 bonus points when you spend $4,000 on purchases in the first 3 months. 60,000 Ultimate Rewards points are worth $600 in cash or credit card statement credits (not my preferred redemption method), $750 in travel through the Ultimate Rewards travel portal, or you can stretch out the value of your points by transferring them out to one of the many Ultimate Reward travel partners.

Barclaycard Arrival Plus® World Elite Mastercard® comes with the ability to enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days. You also get 5% miles back to use toward your next redemption, every time you redeem. The annual fee is $89 (waived the first year).

Winner: Chase Sapphire Preferred® Card

Best Spending Benefits 

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

The Sapphire Preferred earns 2x points on travel and dining and one point on everything else. Boo to 1x earning. Ok, earning 1x is better than nothing.

The Chase Sapphire Preferred earns 2x points per $1 on dining.

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

Winner: Barclaycard Arrival Plus® World Elite Mastercard®

Best Perks Between Chase Sapphire Preferred or Barclaycard Arrival Plus

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

The Chase Sapphire Preferred has no foreign transaction fees, is a chip & signature card, and comes with a lot of travel benefits & protections. Those are some hearty benefits.

The Chase 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, free monthly credit score update, chip technology, and a 5% rebate on all award redemptions.

The Barclaycard Arrival Plus is a chip and pin card.

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.

I’m going to go with the Arrival Plus card on this one. The free monthly credit score update and 5% 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. 70,000 Arrival points are worth $700 in travel. You can redeem your Arrival miles as statement credits toward travel purchases easily through your Barclays 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 blackout dates, and you can still earn elite qualifying miles and stays when you use your Arrival miles on a redemption. I like to use my Arrival miles for Airbnb & Uber purchases. 

Use your Arrival miles for Uber rides.

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

The Sapphire Preferred 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, Flying Blue, Singapore Airlines, Virgin Atlantic, and Ritz-Carlton.

Transferring Ultimate Rewards points to travel partners can be rewarding.

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 over $1,000. It would take at least 100,000 Arrival miles or fixed value points to get the same booking. Make sense?

Transferring Ultimate Rewards 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 on Chase Sapphire Preferred vs. Barclaycard Arrival Plus

You can’t lose with either of these cards, but if I was to try for only one, it would be the Preferred. Its sign-up bonus is worth more and it earns Ultimate Rewards points which are more versatile and valuable. However, having both the Arrival Plus and Chase Sapphire Preferred makes sense too, since they serve different purposes and are from different banks.


Chase Sapphire Preferred® Card

  • Our best offer ever! Earn 100,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,250 when you redeem through Chase Ultimate Rewards®.
  • Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.

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