United Club Infinite Card vs. World of Hyatt Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
United Club Infinite Card
Chase
World of Hyatt Credit Card
Chase
United Club Infinite Card 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.
United Club Infinite Card 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 $600 cheaper to keep.
- Earning ceiling United Club Infinite Card
United Club Infinite Card earns more on its best category (11× vs 4×).
- Lounge access United Club Infinite Card
United Club Infinite Card includes lounge access; the other doesn't.
By the numbers
- Annual fee
- $695
- $95
- Welcome offer (typical value)
- $1,170
- $1,080
- First-year net
- +$475
- +$985
- Peak earning rate
- 11×
- 4×
- Top categories
- Airfare, Travel, Hotels Resorts
- Hotels Resorts, Dining, Transit
- Lounge access
- United Club
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- United MileagePlus
- 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.