The World of Hyatt Credit Card is better for those loyal to Hyatt and seeking hotel-specific rewards and benefits, while the Capital One Venture X Rewards Credit Card is better for those seeking broader travel rewards, lounge access, and higher earning rates on travel booked through Capital One Travel. The Venture X has a higher annual fee, but offers more general travel benefits.
| Attribute | World of Hyatt Credit Card | Capital One Venture X Rewards Credit Card |
|---|---|---|
| Annual Fee | $95 | $395 |
| Welcome Bonus Value | Limited time offer: Earn 2 Free Nights after you spend $4,000 on purchases in the first 3 months from account opening. Plus, earn 25,000 Bonus Points after you spend $12,000 on purchases in the first 6 months from account opening. This offer ends Aug. 28 and the free nights and points included in this bonus are worth up to $1,037 per TPG's July 2025 valuations. | 75,000 bonus miles after spending $4,000 on purchases within the first 3 months (equal to $750 in travel when redeemed through Capital One Travel) |
| Earning Rate on Travel Purchases | 4 Bonus Points for every $1 USD spent at participating Hyatt hotels and resorts. This is in addition to the 5 Base Points per eligible $1 USD spent at most Hyatt hotels (2.5 Base Points per eligible $1 USD spent at Hyatt Studios hotels) you can earn as a World of Hyatt member. 2 Bonus Points for every $1 spent on airline tickets purchased directly from the airline. | 10X miles on hotels and rental cars booked through Capital One Travel; 5X miles on flights and vacation rentals booked through Capital One Travel |
| Earning Rate on Dining Purchases | 2 Bonus Points for every $1 spent at restaurants. | Not available |
| Earning Rate on Other Purchases | 1 Bonus Point per $1 spent on all other purchases. | 2X miles on all other purchases |
| Hyatt Free Night Award | One Free Night Award at any Category 1-4 Hyatt hotel or resort each year after your cardmember anniversary. An additional Free Night Award at any Category 1-4 hotel or resort if you spend $15,000 in a calendar year. | Not available |
| Global Entry or TSA PreCheck Credit | The card offers up to $100 towards Global Entry, NEXUS, or TSA PreCheck every 4 years. | Up to a $120 credit for Global Entry or TSA PreCheck (once every four years) |
| Lounge Access | The World of Hyatt Credit Card does not offer lounge access. | Capital One Lounges and Priority Pass lounges worldwide. Limited guest access and potential fees for authorized users starting February 1, 2026. |
| Point Transfer Partners | You can top up your World of Hyatt account with 1:1 transfers from Chase Ultimate Rewards. You can also transfer Bilt Rewards Points to Hyatt at a 1:1 ratio. | Over 15 travel loyalty programs |
| Travel Insurance Benefits | Auto rental collision damage waiver, baggage delay insurance, lost luggage reimbursement, trip delay reimbursement, trip interruption and cancellation insurance, travel accident insurance. | Travel accident insurance (up to $1 million), trip cancellation and interruption coverage (up to $2,000 per person), trip delay coverage (up to $500), and lost luggage reimbursement (up to $3,000 per passenger) |
| Foreign Transaction Fees | None | No foreign transaction fees |
| Redemption Options | Hotel stays with World of Hyatt, Small Luxury Hotels of the World, free night awards, Points + Cash payments, dining, spa or meeting credits, Find Experiences, rental cars, and room upgrades. | Travel expenses, travel partners, statement credits, gift cards, purchases through Capital One Travel, Amazon, and PayPal |
| Elite Status | Cardholders enjoy Discoverist status. | Not available |