Author Topic: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus  (Read 2926 times)

Gin1984

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https://www.nerdwallet.com/card-details/card-name/Capital-One-Venture-Rewards
https://www.nerdwallet.com/card-details/card-name/Barclaycard-Arrival-MasterCard#cardholder-reviews

They both give $400 worth of "travel" credit which we will use for a 4-5 night hotel (which may mean getting a second card, though) but I can't decide between the two.  Has anyone used either?

Vanguards and Lentils

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Re: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus
« Reply #1 on: February 28, 2016, 04:30:36 PM »
They look pretty equivalent. I assume you'd downgrade the card before the annual fee hits, since there are 2% cashback cards with no annual fee (like the citi double cash), which is better than 2 miles/$ since miles can only be redeemed on travel purchases.

The barclaycard has a 5% bonus when you redeem which the capital one card doesn't. So assuming you get the $400 bonus, you would want to first redeem about $394, get an extra .05*$394= 19.70, then redeem that last $25.70 (since the minimum redemption amount is $25). So you'd end up about $20 ahead of the capital one card.

Another factor is which card would be easier to hit $4000 in spending with. The capital one card is visa, the other is mastercard. If you are a renter, I can suggest paying your landlord with radpad, which charges a 1.99% fee with mastercard, and that fee is more than negated by the 2 miles/$.

use2betrix

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Re: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus
« Reply #2 on: February 28, 2016, 05:34:37 PM »
I have the Barclay for my "permanent" card and love it. I use it for everything when I don't have a separate card that I'm using for a sign up rewards deal. I've had it a couple years.

Schaefer Light

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Re: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus
« Reply #3 on: February 29, 2016, 06:09:07 AM »
I've used both, and I think they're pretty much equal.  If you're just going to keep the card for a year, then I'd lean towards the Barclaycard because it gives you a 5% bonus when you redeem your rewards.  If you're going to keep the card for more than a year, then the Capital One card starts to look more attractive due to the lower annual fee.  I wouldn't spend too much time debating it as they're both good cards and just about every business accepts both MasterCard and Visa.

arebelspy

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Re: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus
« Reply #4 on: February 29, 2016, 01:44:43 PM »
I've done both.  I like the Barclay's better.

But it's worth doing both.  :)
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use2betrix

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Re: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus
« Reply #5 on: February 29, 2016, 02:05:22 PM »
Thanks for the link btw. Just ordered the capital one to use now that I'm finishing on my citi sign up rewards card.

GizmoTX

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Re: Deciding between Capital One Venture Rewards and Barclaycard Arrival Plus
« Reply #6 on: February 29, 2016, 02:06:18 PM »
We've done both, too, & like the Barclays better. Capital One is very stingy with credit limits & doesn't do requests to raise them.