Chase Freedom Unlimited vs. World of Hyatt Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Chase Freedom Unlimited
Chase
World of Hyatt Credit Card
Chase
Chase Freedom Unlimited and World of Hyatt Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Chase Freedom Unlimited wins on annual fee and earning ceiling; World of Hyatt Credit Card wins on first-year math and foreign transactions.
Pick the World of Hyatt Credit Card if year-one math is your priority; take the Chase Freedom Unlimited if you want a cheaper card to keep long-term.
Who wins what
2 vs 2- First-year math World of Hyatt Credit Card
World of Hyatt Credit Card wins on bonus value minus annual fee.
- Annual fee Chase Freedom Unlimited
Chase Freedom Unlimited is $95 cheaper to keep.
- Earning ceiling Chase Freedom Unlimited
Chase Freedom Unlimited earns more on its best category (5× vs 4×).
- Foreign transactions World of Hyatt Credit Card
World of Hyatt Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- Free
- $95
- Welcome offer (typical value)
- $200
- $1,080
- First-year net
- +$200
- +$985
- Peak earning rate
- 5×
- 4×
- Top categories
- Chase Travel, Dining, Drugstores
- Hotels Resorts, Dining, Transit
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- 3.00%
- None
- Reward currency
- Chase Ultimate Rewards
- World of Hyatt
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.