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Compare the Features and Benefits of World of Hyatt Credit Card and
Chase Sapphire Preferred® Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
Free Access to Credit Score
Free Annual Hotel Night
Secondary Car Rental CDW Waiver
Grants Hotel Status
Concierge Services
No Fees for Authorized Users
Primary Car Rental CDW Waiver
Annual Statement Credits
Earns Transferable Points
Roadside Assistance
Travel and Emergency Assistance Services
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.24%-27.24% (Variable)
Balance transfers fees
-
Best Multiplier
4x Hotels

At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X

2x Airfare
2x Dining Out / Food Delivery
2x Gym Memberships
2x Transit
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
35,000 bonus World of Hyatt points when you spend $3,000 within 3 months. Then get an additional 1 bonus point per dollar on your first $15,000 in spend in categories that don’t otherwise earn bonus points within 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

For World of Hyatt fans, the World of Hyatt Credit Card is easily worth its $99 annual fee. Just the annual free night earned on each cardmember anniversary can provide that much value. Plus, cardholders will get automatic Discoverist World of Hyatt elite status with the ability to earn even higher elite status levels by spending on the card.

Not surprisingly, the Hyatt Credit Card offers bonus points on Hyatt stays. Cardholders earn 4X bonus points on Hyatt stays. Add in the 5X base points you earn as a World of Hyatt member and 10% elite status bonus points from Hyatt Discoverist status, and cardholders earn at least 9.5x World of Hyatt points per dollar spent at Hyatt properties.

Bonus points aren’t just limited to your Hyatt purchases. World of Hyatt Credit Card holders earn 2 Hyatt bonus points per dollar spent in the following categories: local transit and commuting; dining out at restaurants, cafes, and coffee shops; flights purchased directly from the airline; and fitness club and gym memberships. All other eligible purchases earn 1x Hyatt points.

Although Discoverist elite status is the bottom tier in the World of Hyatt program, it still offers valuable benefits like waived resort fees on free night awards, premium internet, preferred room upgrade, 2 pm late checkout, and bonus points when flying American Airlines.

But you don’t have to be content with Discoverist tier status. You can use the World of Hyatt Credit Card to earn even higher elite status in the World of Hyatt program. Each calendar year, World of Hyatt Credit Card cardholders will start with five qualifying night credits. Then you’ll earn two qualifying night credits for every $5,000 in purchases every calendar year.

Another reason to spend on the World of Hyatt Credit Card is to earn free night awards. Like many co-branded hotel cards, cardholders get one free night certificate every cardmember anniversary. However, World of Hyatt Credit Card account holders can also earn an extra free night certificate by spending $15,000 in a calendar year.

That means cardholders will get a total of two free nights and 11 qualifying night credits each year they spend $15,000 on the World of Hyatt Credit Card. That puts you more than one-third of the way to World of Hyatt Explorist status.

World of Hyatt status requirements

These free nights can are limited to Category 1-4 Hyatt properties. While that’s somewhat limiting, you still have plenty of options for redeeming your Hyatt free nights. For example, you can redeem your free night certificates at the Grand Hyatt Tampa Bay — a waterside Category 3 hotel that averages $266 per night.

A Hyatt member can redeem a World of Hyatt hotel Category 1-4 free night at Hyatt locations like the Grand Hyatt Tampa Bay.

World of Hyatt Credit Card holders are protected when traveling with extensive travel protections like trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, and travel accident insurance. Plus, the World of Hyatt Credit Card doesn’t charge foreign transaction fees.

Plus, you’ll get benefits from several partners. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Get a free year of DoorDash DashPass through the World of Hyatt Card.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Free Annual Hotel Night
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
Concierge Services
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Earns Transferable Points
no
Roadside Assistance
no
Travel and Emergency Assistance Services
no
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
21.49%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
5x Airfare

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Car Rentals

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Hotels

Earn this multiplier when you purchase via the Chase Ultimate Rewards travel portal. If you purchase any other way, you will earn 2X points.

5x Lyft
3x Dining Out / Food Delivery
3x Streaming Services
2x Transit
2x Cruises
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.0175
Bonus Offer

60,000 bonus Ultimate Rewards points when you spend $4,000 in 3 months. This is worth at least $750 towards travel!

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.05) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

We consider the Chase Sapphire Preferred® the best starter travel rewards credit card available today. For a modest $95 annual fee, you’ll earn bonus points in several categories, get up to a $50 statement credit for hotel stays purchased through Chase Ultimate Rewards, plus get a slew of travel protections.

The Chase Sapphire Preferred® credit card earns bonus points on travel purchases, dining, online grocery shopping, and select streaming services. Plus you’ll earn an annual Ultimate Rewards bonus of 10% of the prior year’s spending. Although the credit card doesn’t earn bonus points on other purchases, you can pair the card with other Chase credit cards to boost your Chase Ultimate Rewards earning rate.

online-grocery-shopping-chase-sapphire-preferred-card

Chase Ultimate Rewards points have a cash value of 1 cent each. But, you can get more value when you redeem points for travel purchased through Chase Ultimate Rewards (1.25 cents), through Chase Pay Yourself Back, or when you transfer points to airline and hotel partners.

The Chase Sapphire Preferred® card justifies its annual fee year after year by providing the best set of travel protections on a card with under a $100 annual fee. Your car rentals will be automatically covered against theft and damage when you use your card and primary coverage means your own insurance won’t have to get involved. You’ll be protected against weather delays, lost luggage, and trip interruptions or outright cancellations.

Additionally, you’ll get benefits from several partners. For example, earn 5 points per dollar on Lyft rides through March 2025. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, you can get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

Read more
Unique Card Benefits
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
Free Annual Hotel Night
no
Secondary Car Rental CDW Waiver
no
Grants Hotel Status
no
Concierge Services
no
No Fees for Authorized Users
no
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Earns Transferable Points
yes
Roadside Assistance
yes
Travel and Emergency Assistance Services
yes

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