Valued Contributor
Posts: 1,243
Registered: ‎07-07-2013

NFCU Flagship vs Barclays Arrival (AF)

The more I compare these two, the more I feel that they are almost the same when it comes to the rewards structures. It seems like Flgship is slightly better. Because both of them get 2% back for every purchase. Yet, Flagship's AF is cheaper, cash redemption is higher (1.5% when it is over 10,000). I just don't know which one is easier when it comes to redeem for travel. Also I don't know whether or not their points can be redeemed for Expedia, Hotwire or Priceline travel purchases.

Frequent Contributor
Posts: 296
Registered: ‎09-19-2013

Re: NFCU Flagship vs Barclays Arrival (AF)

Hey there!  I'm probably not the best person to respond.  I do have the Flagship, but I do not have the Arrival.  As for as points redeemed for travel goes, the Flagship is limited to flights or flight + car.  I imagine that your Arrival has more options.  Don't second guess yourself.  I think you've made the right move.

Starting score: Apr2012 – 635 EX
Current scores (USAA): EX-737, EQ-737, TU-724 (Walmart/Discover) TU-720
NFCU Flagship $22K | NFCU Cashrewards $5K | DiscoverIT $19.5K | SECU Visa $10K | CSP $5K | Chase Marriott $6.5K | Chase SW $15K | Chase Freedom $7.5K | AMEX SPG $11K | AMEX Hilton Surpass $15K | Barclay USAirways $12.5K | USAA AMEX $6K | Cap1QS $5K | BJs MC $9K | BofA Visa $400 | JCP $4.6K | Lord&Taylor $4K | Walmart $5K | Kohl’s $1.5K | VS $2K | Lowes $6K | Loft MC $5,750 | Macy’s $2.8K | BR $5K | Target $300
Frequent Contributor
Posts: 351
Registered: ‎07-13-2013

Re: NFCU Flagship vs Barclays Arrival (AF)

Digital, I'm glad you asked this question because I was wondering the same thing. From the research I have done, the airlines redemption looks to be the same between Barclay and NFCU, but I am not sure there - Barclay may offer more airlines since you can "Choose any airline, any time." NFCU offers flight+car and cruise redemption options (not extensive by any means and it starts at 100,000 points), but that seems to be all. Barclays say you can "shop for the hotel, resort, cruise, train or car rental you want" and NFCU definitely does not offer hotels and trains.


Barclays seems to offer more redemption options with the Arrival card. Like you, I am not sure on the ease of redemption (or if there are minimums, like with NFCU). For now, in general, as long as your spend supports the AF, it will be worth it. Plus, don't forget the signup bonus that puts you way ahead of where you started with the Flagship card (unless you got the 65,000 point bonus they offered). Better cards come along all the time. Something else may come along to top the Arrival. For now, you have to look at what makes sense to you and your needs/goals at the moment and go from there.


Past - CH7 BK Discharged 01/09 | Rebuild Started 05/12 Present - All IIBs GONE! Future - 2015 Mortgage
Established Contributor
Posts: 789
Registered: ‎04-21-2013

Re: NFCU Flagship vs Barclays Arrival (AF)


Have Both... Arrival wins hands down on Travel. They also give you back 10% of the points when you use your points to pay off Travel purchases.



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Amex’s- BCE, Hilton and SPG®, NFCU Cash Rewards, FHB Destinations World Elite.
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