Travel credit cards: Chase Sapphire Preferred Card vs. World of Hyatt Credit Card

Quick Verdict

The Chase Sapphire Preferred Card is a better choice for those seeking flexible travel redemption options and comprehensive travel insurance. The World of Hyatt Credit Card is ideal for frequent Hyatt guests who can maximize the value of the annual free night and Hyatt-specific benefits.

Both cards have a $95 annual fee and no foreign transaction fees.
The Chase Sapphire Preferred offers a large sign-up bonus in points, while the World of Hyatt card offers free nights and bonus points.
Chase Sapphire Preferred has broader travel redemption options through Chase Travel and transfer partners, while World of Hyatt focuses on Hyatt hotel redemptions.
World of Hyatt provides an annual free night at Category 1-4 Hyatt properties, offering a tangible benefit for Hyatt loyalists.
Chase Sapphire Preferred provides more comprehensive travel insurance benefits.

Key features – Side-by-Side

Attribute	Chase Sapphire Preferred Card	World of Hyatt Credit Card
Annual Fee	$95	$95
Sign-up Bonus Value	75,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening, estimated value around $1,043	Earn 2 Free Nights after spending $4,000 on purchases in the first 3 months from account opening, plus earn 25,000 Bonus Points after spending $12,000 on purchases in the first 6 months from account opening.
Earning Rate on Travel Purchases	5x total points on travel purchased through Chase Travel; 2x points on all other travel purchases	9x total points at Hyatt hotels (4x points with the card + 5x points as a World of Hyatt member), 2x points on airline tickets purchased directly from the airlines.
Earning Rate on Dining Purchases	3x points on dining at restaurants, including takeout and eligible delivery services	2x points at restaurants.
Earning Rate on General Purchases	1 point per $1 spent on all other purchases	1x point on all other purchases.
Point Redemption Options	Chase Travel (up to 25% more value), Transfer Partners (1:1 ratio), Cash Back (1 cent per point)	Free nights at Hyatt hotels and resorts, room upgrades, Hyatt experiences, and airline transfers.
Point Transfer Partners	Airlines: Aer Lingus, Air France/KLM, Air Canada, British Airways, Emirates, Iberia, JetBlue, Singapore Airlines, Southwest, United, and Virgin Atlantic. Hotels: Hyatt, IHG, and Marriott Bonvoy.	Not available
Travel Insurance Benefits	Trip Cancellation and Interruption Insurance (up to $10,000 per person, $20,000 per trip), Trip Delay Reimbursement (up to $500 per ticket), Baggage Delay Insurance (up to $100 a day for 5 days), Lost Luggage Reimbursement (up to $3,000 per traveler), Travel Accident Insurance (up to $500,000), Auto Rental Coverage (up to $60,000)	Baggage delay insurance, lost luggage reimbursement, trip cancellation/interruption insurance, travel accident insurance, and auto rental collision damage waiver.
Purchase Protection Benefits	Covers new purchases for 120 days against damage or theft, up to $500 per claim and $50,000 per account	Covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Foreign Transaction Fees	No foreign transaction fees	None
Hotel Benefits	$50 Annual Chase Travel Hotel Credit	Annual free night at Category 1-4 Hyatt properties, Discoverist status, and elite night credits.
TSA PreCheck/Global Entry Credit	Not available	Not available

Overall Comparison

Chase Sapphire Preferred: $95 annual fee, $1,043 sign-up bonus value, 5x on Chase Travel. World of Hyatt: $95 annual fee, 2 free nights, 9x at Hyatt hotels.

Pros and Cons

Chase Sapphire Preferred Card

Pros:

Valuable sign-up bonus
Good earning rates on travel and dining
Flexible point redemption options
Comprehensive travel insurance benefits
No foreign transaction fees
Customer service without the wait
No blackout dates or restrictions when redeeming points for travel

Cons:

Annual fee of $95
Earning rate on general spending is low compared to other cards
Chase Sapphire Preferred card does not offer a TSA PreCheck/Global Entry credit.

World of Hyatt Credit Card

Pros:

Valuable sign-up bonus
Generous earning rate at Hyatt hotels
Annual free night at Category 1-4 Hyatt properties
No foreign transaction fees
Travel insurance benefits
Purchase protection benefits

Cons:

Annual fee
Lower earning rate on general spending compared to other cards
Point redemption value can vary
Travel insurance may require supplemental coverage
Blackout dates or restrictions when redeeming points for travel

User Experiences and Feedback

Chase Sapphire Preferred Card

What Users Love

No highlights reported.

Common Complaints

No major complaints reported.

Value Perception

No value feedback reported.

User Recommendations

Points are typically worth 1 cent apiece when redeemed for cash back, but they can be worth more when redeemed for travel booked through Chase.
The Chase Sapphire Preferred® Card has more types of travel insurance included than most midrange-annual-fee travel cards, making it a good choice for anyone who prioritizes these protections.
Cardholders can receive a $50 hotel credit each year on reservations booked through Chase. This benefit essentially brings the card's $95 annual fee to just $45.
The card earns 1 point per dollar spent on all expenses that don't fall into a bonus category. There are plenty of cards (some with $0 annual fees) that will better serve you for these transactions.

World of Hyatt Credit Card

What Users Love

No highlights reported.

Common Complaints

No major complaints reported.

Value Perception

Hyatt points are typically worth 1.5-1.7 cents each.
NerdWallet values Hyatt points at 2.3 cents each.
The card offers an annual free night certificate that can offset the annual fee.
The average point earning rate will vary depending on spending habits, but it's 4x points at Hyatt, 2x on dining/flights/transit/gym memberships, and 1x on everything else.
You can do much better than a 1.7% return on everyday spending with other credit cards.