Which card earns more rewards, the World of Hyatt Credit Card or Citi Strata Premier 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 World of Hyatt Credit Card or the Citi Strata Premier Card?

Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

World of Hyatt Credit Card vs Citi Strata Premier Card

Both cards cost $95/yr. The World of Hyatt Credit Card leads on dining; the Citi Strata Premier Card on hotels.

Card data as of October 12, 2026.

Credit card comparison
Overview
	World of Hyatt Credit Card Chase · $95/yr	Citi Strata Premier Card Citi · $95/yr
Annual fee	$95	$95
Welcome offerCurrent public offer	Up to 60,000 points	60,000 points
Rewards	World of Hyatt Loyalty Program	Citi ThankYou Rewards
Foreign transaction fee	None	None
Network	Visa Signature	Mastercard World Elite
Earn ratesPer $1 spent
Dining	2x	3x Highest
Flights	2x	3x Highest
Gas Stations	1x	3x Highest
Grocery Stores	1x	3x Highest
Hotels	1x	3x Highest
Fitness	2x Highest	1x
Transit	2x Highest	1x
Everything else	1x	1x
Statement creditsAs the issuer states them · — means none on record
Travel	—	$100 hotel credit
Dining & delivery	DoorDash DashPass	—
Perks & access— means none on record
Hotel status & programs	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	The Reserve by Citi Travel Luxury Hotel Program
Airline perks	—	ThankYou Points Transfer Partners Airlines and Hotels
Other perks	No Foreign Transaction Fees on International Purchases 24/7 Visa Signature Concierge Service at No Cost	Citi Entertainment Presale Tickets and Exclusive Access No Foreign Transaction Fees on International Purchases
Protections & insuranceLimits where published · — means none on record
Trip insurance	Up to $5,000 trip cancellation and interruption insurance	Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000 Five Hundred Dollar Trip Delay Protection Coverage · up to $500 Travel Protection Benefits
Baggage	Up to $3,000 lost luggage reimbursement coverage Up to $500 baggage delay insurance coverage	Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Rental car	Auto rental coverage (secondary in the U.S.)	MasterRental Car Insurance Coverage
Purchase & returns	Up to $500 purchase protection per item	Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Extended warranty	Extended Warranty Adds 1 Year to Eligible Products	Extended Warranty Protection Up to Twenty Four Months
Other protections	—	Comprehensive identity theft monitoring Free FICO Score Access Through Your Citi Account
Pros & cons
Pros	$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)	3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases 10X points on hotels, car rentals, and attractions through Citi Travel portal $95 annual fee with no foreign transaction fees Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic No foreign transaction fees for international purchases
Cons	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	No airport lounge access included Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt) 10X portal bonus requires booking through Citi Travel, limiting flexibility Welcome bonus lower than competing premium cards (60K vs 75K-90K) Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel
	Card details	Card details

World of Hyatt Credit Card
Chase · $95/yr
Citi Strata Premier Card
Citi · $95/yr

Overview

Annual fee: World of Hyatt Credit Card
$95
Citi Strata Premier Card
$95
Welcome offerCurrent public offer: World of Hyatt Credit Card
Up to 60,000 points
Citi Strata Premier Card
60,000 points
Rewards: World of Hyatt Credit Card
World of Hyatt Loyalty Program
Citi Strata Premier Card
Citi ThankYou Rewards
Foreign transaction fee: World of Hyatt Credit Card
None
Citi Strata Premier Card
None
Network: World of Hyatt Credit Card
Visa Signature
Citi Strata Premier Card
Mastercard World Elite

Earn ratesPer $1 spent

Dining: World of Hyatt Credit Card
2x
Citi Strata Premier Card
3x
Highest
Flights: World of Hyatt Credit Card
2x
Citi Strata Premier Card
3x
Highest
Gas Stations: World of Hyatt Credit Card
1x
Citi Strata Premier Card
3x
Highest
Grocery Stores: World of Hyatt Credit Card
1x
Citi Strata Premier Card
3x
Highest
Hotels: World of Hyatt Credit Card
1x
Citi Strata Premier Card
3x
Highest
Fitness: World of Hyatt Credit Card
2x
Highest
Citi Strata Premier Card
1x
Transit: World of Hyatt Credit Card
2x
Highest
Citi Strata Premier Card
1x
Everything else: World of Hyatt Credit Card
1x
Citi Strata Premier Card
1x

Statement creditsAs the issuer states them · — means none on record

Travel: World of Hyatt Credit Card
—
Citi Strata Premier Card
$100 hotel credit
Dining & delivery: World of Hyatt Credit Card
DoorDash DashPass
Citi Strata Premier Card
—

Perks & access— means none on record

Hotel status & programs: 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
Citi Strata Premier Card
The Reserve by Citi Travel Luxury Hotel Program
Airline perks: World of Hyatt Credit Card
—
Citi Strata Premier Card
ThankYou Points Transfer Partners Airlines and Hotels
Other perks: World of Hyatt Credit Card
No Foreign Transaction Fees on International Purchases
24/7 Visa Signature Concierge Service at No Cost
Citi Strata Premier Card
Citi Entertainment Presale Tickets and Exclusive Access
No Foreign Transaction Fees on International Purchases

Protections & insuranceLimits where published · — means none on record

Trip insurance: World of Hyatt Credit Card
Up to $5,000 trip cancellation and interruption insurance
Citi Strata Premier Card
Five Thousand Dollar Trip Cancellation and Interruption · up to $5,000
Five Hundred Dollar Trip Delay Protection Coverage · up to $500
Travel Protection Benefits
Baggage: World of Hyatt Credit Card
Up to $3,000 lost luggage reimbursement coverage
Up to $500 baggage delay insurance coverage
Citi Strata Premier Card
Three Thousand Dollar Lost or Damaged Luggage Insurance · up to $3,000
Rental car: World of Hyatt Credit Card
Auto rental coverage (secondary in the U.S.)
Citi Strata Premier Card
MasterRental Car Insurance Coverage
Purchase & returns: World of Hyatt Credit Card
Up to $500 purchase protection per item
Citi Strata Premier Card
Ten Thousand Dollar Purchase Protection Theft and Damage · up to $10,000
Extended warranty: World of Hyatt Credit Card
Extended Warranty Adds 1 Year to Eligible Products
Citi Strata Premier Card
Extended Warranty Protection Up to Twenty Four Months
Other protections: World of Hyatt Credit Card
—
Citi Strata Premier Card
Comprehensive identity theft monitoring
Free FICO Score Access Through Your Citi Account

Pros & cons

Pros: 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)
Citi Strata Premier Card
3X points on dining, supermarkets, gas and EV charging stations, air travel and other hotel purchases
10X points on hotels, car rentals, and attractions through Citi Travel portal
$95 annual fee with no foreign transaction fees
Transfer to 18+ airline and hotel partners including American Airlines, JetBlue and Virgin Atlantic
No foreign transaction fees for international purchases
Cons: 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
Citi Strata Premier Card
No airport lounge access included
Transfer partners weaker than Chase or Amex (no United, Delta, or Hyatt)
10X portal bonus requires booking through Citi Travel, limiting flexibility
Welcome bonus lower than competing premium cards (60K vs 75K-90K)
Points worth 0.75 cent each when redeemed for cash back, less than the 1 cent they get through Citi Travel

Card details

Add a 3rd or 4th card to this comparison →

Category-by-Category Winner

The Citi Strata Premier Card wins in 5 of 7 categories. The World of Hyatt Credit Card leads in 2. 2 more categories depend on booking channel or caps.

Dining

Citi Strata Premier Card earns 3X vs 2X

Fitness

World of Hyatt Credit Card earns 2X vs 1X

Transit

World of Hyatt Credit Card earns 2X vs 1X

Flights

Citi Strata Premier Card earns 3X vs 2X

Hotels

Citi Strata Premier Card earns 10X vs 1X

10X via issuer travel portal

Car Rentals

Depends: via issuer travel portal

Citi Strata Premier Card earns 10X when conditions are met; World of Hyatt Credit Card earns 1X (1X without restrictions)

Attractions

Depends: via issuer travel portal

Citi Strata Premier Card earns 10X when conditions are met; World of Hyatt Credit Card earns 1X (1X without restrictions)

Gas Stations

Citi Strata Premier Card earns 3X vs 1X

Grocery Stores

Citi Strata Premier Card earns 3X 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.

Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).

Scenario	World of Hyatt Credit Card	Citi Strata Premier Card	Ongoing winner	Year-one winner
Light spender: $1,000/month	Rewards: $228 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $133 Year one: $628	Rewards: $346 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $311 Year one: $1,271	Citi Strata Premier Card	Citi Strata Premier Card
Heavy spender: $4,000/month	Rewards: $911 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $816 Year one: $1,311	Rewards: $1,382 Credits (our usable estimate): $60 − Annual fee ($95) Ongoing: $1,347 Year one: $2,307	Citi Strata Premier Card	Citi Strata Premier Card

Which Card Is Right for You?

Get the Citi Strata Premier Card if you:

+Do most of your spending at grocery stores

The Bottom Line

Both scenarios favor the Citi Strata Premier Card on net value (rewards, usable credits, fees, and welcome offer).

Frequently Asked Questions

Which card earns more rewards, the World of Hyatt Credit Card or Citi Strata Premier 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 World of Hyatt Credit Card or the Citi Strata Premier Card?: Both cards have the same $95/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

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Official issuer pages: Chase cards · Citi cards

Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.