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These cards are both designed for people with good credit, and they offer some of the best rewards and benefits you’ll find on travel credit cards. They have similar annual fees, but they’re both waived for the first year.
Read on to learn if one of these cards is the right one to help pay for your next vacation.
For People with
- Annual Fee: $95 - Waived first year
- Interest Rate: 16.74%–23.74% Variable
Quick Card Facts
- Earn 50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening. That's $625 in travel when you redeem through Chase Ultimate Rewards®
- Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
- 2X points on travel and dining at restaurants & 1 point per dollar spent on all other purchases
- No foreign transaction fees, plus chip-enabled for enhanced security and wider acceptance
- 1:1 point transfer to leading frequent travel programs at full value - that means 1,000 Chase Ultimate Rewards points equal 1,000 partner miles/points
- Premium Travel and Purchase Protection Benefits, including Trip Cancellation/Trip Interruption Insurance, Auto Rental Collision Damage Waiver, Purchase Protection and more
- 24/7 direct access to dedicated customer service specialists
- Introductory Annual Fee of $0 the first year, then $95
The information for Chase Sapphire Preferred® Card has been collected independently by Credit Card Insider. The card details on this page have not been reviewed or provided by the card issuer.
For People with
- Annual Fee: $89 - Waived first year
- Interest Rate: 16.99%, 20.99% or 23.99% Variable
Quick Card Facts
- Earn 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.
- Earn 2X miles on all purchases
- Get 5% miles back to use toward your next redemption, every time you redeem
- Miles don't expire as long as your account is open, active and in good standing
- No foreign transaction fees on purchases made while traveling abroad
- 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 16.99%, 20.99% or 23.99%, based on your creditworthiness. There is a fee for balance transfers.
Chase Sapphire Preferred
- 2 points for every $1 spent on travel and dining at restaurants
- 1 point for every $1 spent on all other purchases
- 50,000 bonus points when you spend $4,000 in the first 3 months, which is the equivalent of $625 when redeemed through Chase Ultimate Rewards®
- 5,000 points if you make a purchase and add an additional authorized user to your account within the first 3 months
- 20% off travel when you redeem points for airfare, hotel stays, car rentals, and cruises through Chase Ultimate Rewards
You can transfer your points at a 1:1 rate to a number of different frequent traveler programs:
|Frequent Traveler Programs|
|Southwest Airlines Rapid Rewards®||United Mileage Plus®||Virgin Atlantic Flying Club|
|British Airways Executive Club||Korean Air SKYPASS||Hyatt Gold Passport®|
|Singapore Airlines KrisFlyer||The Ritz-Carlton Rewards®||IHG® Rewards Club|
Barclaycard Arrival Plus
This card provides:
- 2 miles per dollar on every purchase you make
- A 50,000 mile sign-up bonus for spending $3,000 in the first 90 days (equivalent to a $500 statement credit for travel purchases)
- 5% of your miles back every time you redeem them
- Miles that won’t expire as long as your account is open, active, and in good standing
You’ll earn 1 cent per mile when redeeming for travel expenses, but only .5 cents per mile when redeeming for cash back statement credits or gift cards. Miles will vary in value when redeeming for merchandise. To get the best value you’ll want to redeem your miles exclusively for travel statement credits.
As you can see, these cards offer similar rewards. But there are a few important differences to think about if you’re considering one of these cards.
The Barclaycard has the better point offer, with 2 points per dollar for every purchase you make compared to 2 points for travel and dining with the Sapphire Preferred. Their signup bonuses are pretty comparable.
Aside from that, the Sapphire Preferred seems to have the edge when it comes to the other terms. The 20% discount on travel beats out the 5% mile redemption bonus, as long as you can redeem your points through the Chase Ultimate Rewards program. Or, you can transfer your Sapphire Preferred points to another frequent traveler program if you prefer the benefits you get there.
Here are some of the more valuable benefits offered by each card.
Chase Sapphire Preferred
Exclusive Sapphire℠ Events and Experiences
Special travel and event opportunities for cardholders. Learn more on the Exclusive Experiences website.
24/7 Access to Customer Service Specialists
No matter where you are in the world, call to speak directly to a real person.
No Blackout Dates or Restrictions
As long as you can find a seat on the flight, you will be able to book it using Chase Ultimate Rewards.
Barclaycard Arrival Plus
MasterCard World Elite Concierge Services
Like having your own personal assistant, call for non-emergency help in all sorts of situations.
MasterCard World Elite Luxury Travel Services
Includes access to special vacation packages, travel planning, and hotel deals.
Barclaycard Travel Community
A place to share travel stories and advice, as well as earn miles for certain community activities.
Free FICO® Credit Score
Access your FICO score online at any time, for free.
When it comes to the benefits offered by these cards, the Barclaycard seems to take the cake.
The Sapphire Preferred offers the Exclusive Sapphire Events and Experiences, which could be quite valuable depending on how often you use them, but that’s about it.
The Barclaycard, on the other hand, offers a premier concierge service along with quite a few luxury travel benefits through World Elite MasterCard. There are many options to explore here, for several different kinds of vacations.
Each card offers some additional shopping and travel benefits and protections. You can check out the full set of benefits for the Chase Sapphire Preferred here or the Barclaycard Arrival Plus World Elite MasterCard here.
Here’s a side-by-side comparison of the benefits offered by each card:
|Chase Freedom||Barclaycard Arrival Plus World Elite|
The Costs & Fees
|Card||Annual Fee||Intro Balance Transfer APR||Regular Purchase APR||Regular Balance Transfer APR||Cash Advance APR|
|Chase Sapphire Preferred||$95 - Waived first year||None||16.74%–23.74% Variable||16.74%–23.74% Variable||25.74% Variable|
|Barclaycard Arrival Plus||$89 - Waived first year||0% for 12 months (on balance transfers made within 45 days of account opening)||16.99%, 20.99% or 23.99% Variable||16.99%, 20.99% or 23.99% Variable||25.49% *Variable|
|Card||Balance Transfer Fee||Cash Advance Fee||Foreign Transaction Fee|
|Chase Sapphire Preferred||3%; Min:$5||5%; Min:$10||0%|
|Barclaycard Arrival Plus||3%, Minimum $5||5%, Minimum $10||0%|
|Card||Penalty APR||Late Fee||Returned Payment Fee|
|Chase Sapphire Preferred||See Terms||Up to $37||Up to $37|
|Barclaycard Arrival Plus||See Terms||Up to $37||See Terms|
These cards have almost the same costs and fees. You’ll get a lower interest rate with the Sapphire Preferred, but it’s not a very significant difference. And if you pay off your balance in full every month, you won’t have to worry about interest payments.
The biggest difference between these cards is that the Barclaycard has a 0% intro APR offer for balance transfers. So, if you want to transfer a balance the Sapphire Preferred won’t be the better option.
The Bottom Line
If you’re thinking about one of these cards, examine your spending habits and the kind of traveling you usually do. The annual fees and interest rates are pretty comparable, so take a look at the other features.
Do you want to use the card to buy all sorts of purchases, or will you stick to dining and travel expenses? Would you be able to take advantage of the 20% discount when redeeming points through Chase Ultimate Rewards very often?
Think about the other benefits that each card offers. Do you love the look of the Sapphire Exclusive Experiences? If not, you’ll probably get more out of the luxury travel benefits on the Barclaycard, as well as the personal concierge. The concierge, for example, can be used at any time you might need it, while the Sapphire Preferred Experiences take a bit more work to access.
If you own one of these credit cards, how do you like it? Leave your own review of the Chase Sapphire Preferred card or the Barclaycard Arrival Plus World Elite MasterCard, we’d love to hear from you!