Chase Sapphire Reserve 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 Sapphire Reserve
Chase
World of Hyatt Credit Card
Chase
Chase Sapphire Reserve 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 Sapphire Reserve wins on earning ceiling and lounge access; World of Hyatt Credit Card wins on first-year math and annual fee.
Pick the World of Hyatt Credit Card if year-one math is your priority; take the World of Hyatt Credit Card 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 World of Hyatt Credit Card
World of Hyatt Credit Card is $700 cheaper to keep.
- Earning ceiling Chase Sapphire Reserve
Chase Sapphire Reserve earns more on its best category (8× vs 4×).
- Lounge access Chase Sapphire Reserve
Chase Sapphire Reserve includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $795
- $95
- Welcome offer (typical value)
- $1,700
- $1,080
- First-year net
- +$905
- +$985
- Peak earning rate
- 8×
- 4×
- Top categories
- Chase Travel, Flights Direct, Hotels Direct
- Hotels Resorts, Dining, Transit
- Lounge access
- chase-sapphire-lounge, priority-pass
- No
- Travel insurance
- Yes
- Yes
- Elite status
- Yes
- Yes
- Foreign transaction fee
- None
- 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.