Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
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 September 27, 2026.
Annual Fee
Welcome Bonus
| Category | Capital Vacations® World Mastercard® | World of Hyatt Credit Card |
|---|---|---|
| Dining | 1X | 2X |
| Fitness | 1X |
The World of Hyatt Credit Card wins in 4 of 6 categories. The Capital Vacations® World Mastercard® leads in 2.
Travel
Capital Vacations® World Mastercard® earns 2X vs 1X
Gas Stations
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
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 |
|---|
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.
| 2X |
| Flights | 1X | 2X |
| Gas Stations | 2X | 1X |
| Transit | 1X | 2X |
| Travel | 2X | 1X |
| Everything Else | 1X | 1X |
Network
Key Benefits
Pros
Cons
| 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 |
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.
Get the World of Hyatt Credit Card if you:
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
