Capital Vacations® World Mastercard® vs World of Hyatt Credit Card
Annual fees: Capital Vacations® World Mastercard® $0/yr, World of Hyatt Credit Card $95/yr. Strongest bonus categories: Capital Vacations® World Mastercard® on travel, World of Hyatt Credit Card on dining.
Card data as of November 13, 2026.
Capital Vacations® World Mastercard®Barclays · No annual fee
World of Hyatt Credit CardChase · $95/yr
Overview
- Annual fee
- Capital Vacations® World Mastercard®$0LowestWorld of Hyatt Credit Card$95
- Welcome offerCurrent public offer
- Capital Vacations® World Mastercard®5,000 pointsWorld of Hyatt Credit CardUp to 60,000 points
- Rewards
- Capital Vacations® World Mastercard®Capital Vacations RewardsWorld of Hyatt Credit CardWorld of Hyatt Loyalty Program
- Foreign transaction fee
- Capital Vacations® World Mastercard®NoneWorld of Hyatt Credit CardNone
- Network
- Capital Vacations® World Mastercard®Mastercard WorldWorld of Hyatt Credit CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Capital Vacations® World Mastercard®1xWorld of Hyatt Credit Card2xHighest
- Electric Vehicle Charging
- Capital Vacations® World Mastercard®2xHighestWorld of Hyatt Credit Card1x
- Fitness
- Capital Vacations® World Mastercard®1xWorld of Hyatt Credit Card2xHighest
- Flights
- Capital Vacations® World Mastercard®1xWorld of Hyatt Credit Card2xHighest
- Gas Stations
- Capital Vacations® World Mastercard®2xHighestWorld of Hyatt Credit Card1x
- Transit
- Capital Vacations® World Mastercard®1xWorld of Hyatt Credit Card2xHighest
- Travel
- Capital Vacations® World Mastercard®2xHighestWorld of Hyatt Credit Card1x
- Everything else
- Capital Vacations® World Mastercard®1xWorld of Hyatt Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- DoorDash DashPass
Perks & access— means none on record
- Hotel status & programs
- Capital Vacations® World Mastercard®
- 3-night resort stay after $10,000 annual spend
World of Hyatt Credit Card- Automatic World of Hyatt Discoverist Elite Status Included
- Annual Free Night Certificate at Category 1-4 Hyatt Hotels
- Bonus Free Night Certificate After Spending $15,000 Annually
- Receive 5 Tier-Qualifying Elite Night Credits Each Year
- Earn 2 Elite Night Credits for Every $5,000 Spent
- Other perks
- Capital Vacations® World Mastercard®
- 0% intro APR on balance transfers for 15 months
- $0 foreign transaction fees
- 0% promo APR on CV down payments for 6 months
World of Hyatt Credit Card- No Foreign Transaction Fees on International Purchases
- 24/7 Visa Signature Concierge Service at No Cost
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- Up to $5,000 trip cancellation and interruption insurance
- Baggage
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- Up to $3,000 lost luggage reimbursement coverage
- Up to $500 baggage delay insurance coverage
- Rental car
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- Auto rental coverage (secondary in the U.S.)
- Purchase & returns
- Capital Vacations® World Mastercard®
- $0 fraud liability on unauthorized charges
World of Hyatt Credit Card- Up to $500 purchase protection per item
- Extended warranty
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- Extended Warranty Adds 1 Year to Eligible Products
Pros & cons
- Pros
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- $95 annual fee is remarkably low for a hotel status card
- 4X card points at participating Hyatt hotels; up to 9X combined with eligible World of Hyatt membership earnings
- Automatic Discoverist status with late checkout and room upgrades when available
- 5 tier-qualifying nights annually plus up to 10 more through spend
- Free night certificate each anniversary (Category 1-4)
- Cons
- Capital Vacations® World Mastercard®—World of Hyatt Credit Card
- Free night certificates limited to Category 1-4 properties (excludes luxury)
- No airport lounge access or travel credits
- Hyatt has smaller global footprint than Hilton or Marriott
- 1X earn rate on non-bonus categories is below average
- Discoverist is entry-level status with limited benefits
Category-by-Category Winner
The World of Hyatt Credit Card wins in 4 of 7 categories. The Capital Vacations® World Mastercard® leads in 3.
Travel
Capital Vacations® World Mastercard® earns 2X vs 1X
Gas Stations
Capital Vacations® World Mastercard® earns 2X vs 1X
Electric Vehicle Charging
Capital Vacations® World Mastercard® earns 2X vs 1X
Dining
World of Hyatt Credit Card earns 2X vs 1X
Fitness
World of Hyatt Credit Card earns 2X vs 1X
Transit
World of Hyatt Credit Card earns 2X vs 1X
Flights
World of Hyatt Credit Card earns 2X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
The better card depends on how much you spend.
| Scenario | Capital Vacations® World Mastercard® | World of Hyatt Credit Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $144 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $144 Year one: $144 | Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $133 Year one: $628 | Capital Vacations® World Mastercard® | World of Hyatt Credit Card |
| Heavy spender: $4,000/month | Rewards: $576 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $576 Year one: $576 | Rewards: $911 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $816 Year one: $1,311 | World of Hyatt Credit Card | World of Hyatt Credit Card |
Is the Fee Difference Worth It?
The World of Hyatt Credit Card costs $95/yr — that's $95 more than the Capital Vacations® World Mastercard® (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The World of Hyatt Credit Card includes complimentary hotel status. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the World of Hyatt Credit Card needs roughly $95 more in annual rewards (or credits you will use) to break even on dining and fitness and everyday spend.
Which Card Is Right for You?
Get the World of Hyatt Credit Card if you:
- +Spend $300+/month on restaurants and dining out
The Bottom Line
The better card depends on how much you spend.
Published annual fees: Capital Vacations® World Mastercard® $0/yr, World of Hyatt Credit Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the World of Hyatt Credit Card worth the higher annual fee?
- The World of Hyatt Credit Card costs $95/yr vs $0/yr for the Capital Vacations® World Mastercard®. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use.
- Which card earns more rewards, the Capital Vacations® World Mastercard® or World of Hyatt Credit Card?
- Both cards earn 1X on everyday purchases. The difference is in bonus categories — check the earn rate comparison above for a full breakdown.
- Should I get the Capital Vacations® World Mastercard® or the World of Hyatt Credit Card?
- Use the spend scenarios on this page: the Capital Vacations® World Mastercard® has a lower $0/yr fee; the World of Hyatt Credit Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published November 13, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.