World of Hyatt Credit Card vs Marriott Bonvoy Bold Credit Card
Annual fees: World of Hyatt Credit Card $95/yr, Marriott Bonvoy Bold Credit Card $0/yr. Strongest bonus categories: World of Hyatt Credit Card on dining, Marriott Bonvoy Bold Credit Card on grocery stores.
Card data as of October 12, 2026.
World of Hyatt Credit CardChase · $95/yr
Marriott Bonvoy Bold Credit CardChase · No annual fee
Overview
- Annual fee
- World of Hyatt Credit Card$95Marriott Bonvoy Bold Credit Card$0Lowest
- Welcome offerCurrent public offer
- World of Hyatt Credit CardUp to 60,000 pointsMarriott Bonvoy Bold Credit Card45,000 points
- Rewards
- World of Hyatt Credit CardWorld of Hyatt Loyalty ProgramMarriott Bonvoy Bold Credit CardMarriott Bonvoy
- Foreign transaction fee
- World of Hyatt Credit CardNoneMarriott Bonvoy Bold Credit CardNone
- Network
- World of Hyatt Credit CardVisa SignatureMarriott Bonvoy Bold Credit CardVisa Signature
Earn ratesPer $1 spent
- Cable TV
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Dining
- World of Hyatt Credit Card2xHighestMarriott Bonvoy Bold Credit Card1x
- Fitness
- World of Hyatt Credit Card2xHighestMarriott Bonvoy Bold Credit Card1x
- Flights
- World of Hyatt Credit Card2xHighestMarriott Bonvoy Bold Credit Card1x
- Food Delivery
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Grocery Stores
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Ridesharing
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Streaming
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Telecom
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card2xHighest
- Transit
- World of Hyatt Credit Card2xHighestMarriott Bonvoy Bold Credit Card1x
- Everything else
- World of Hyatt Credit Card1xMarriott Bonvoy Bold Credit Card1x
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- World of Hyatt Credit Card
- DoorDash DashPass
Marriott Bonvoy Bold Credit Card- DoorDash DashPass
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
Marriott Bonvoy Bold Credit Card- Automatic Marriott Bonvoy Silver Elite Status
- 5 Elite Night Credits annually
- Other perks
- World of Hyatt Credit Card
- No Foreign Transaction Fees on International Purchases
- 24/7 Visa Signature Concierge Service at No Cost
Marriott Bonvoy Bold Credit Card- 24/7 Visa Signature Concierge service
Protections & insuranceLimits where published · — means none on record
- Trip insurance
- World of Hyatt Credit Card
- Up to $5,000 trip cancellation and interruption insurance
Marriott Bonvoy Bold Credit Card- $500 trip delay reimbursement
- Baggage
- World of Hyatt Credit Card
- Up to $3,000 lost luggage reimbursement coverage
- Up to $500 baggage delay insurance coverage
Marriott Bonvoy Bold Credit Card- Up to $3,000 lost luggage coverage per trip
- Up to $100 a day for baggage delays over 6 hours · up to $500
- Rental car
- World of Hyatt Credit Card
- Auto rental coverage (secondary in the U.S.)
Marriott Bonvoy Bold Credit Card- Auto rental coverage up to $60,000
- Purchase & returns
- World of Hyatt Credit Card
- Up to $500 purchase protection per item
Marriott Bonvoy Bold Credit Card- Purchase protection for new items · up to $500
- Extended warranty
- World of Hyatt Credit Card
- Extended Warranty Adds 1 Year to Eligible Products
Marriott Bonvoy Bold Credit Card- Extended warranty protection for eligible purchases · up to $1
- Other protections
- World of Hyatt Credit Card—Marriott Bonvoy Bold Credit Card
- 24/7 worldwide travel and emergency assistance
- 24/7 roadside dispatch assistance (pay-per-use)
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)
Marriott Bonvoy Bold Credit Card- No annual fee makes it risk-free to hold long-term
- Automatic Silver Elite status with 10% bonus on stays and priority late checkout
- 5 Elite Night Credits annually toward status qualification
- No foreign transaction fees
- 2x earning on everyday categories (groceries, streaming, rideshare, food delivery)
- 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
Marriott Bonvoy Bold Credit Card- Only Silver Elite status (Gold and Platinum provide much better benefits)
- Low 1x earning on non-bonus purchases
- Only 5 Elite Night Credits vs 15-25 on premium cards
- No free night award benefit
- No lounge access or premium travel perks
Category-by-Category Winner
The Marriott Bonvoy Bold Credit Card wins in 6 of 10 categories. The World of Hyatt Credit Card leads in 4.
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
Grocery Stores
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Streaming
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Telecom
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Cable TV
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Ridesharing
Marriott Bonvoy Bold Credit Card earns 2X vs 1X
Food Delivery
Marriott Bonvoy Bold 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.
Both scenarios favor the World of Hyatt Credit Card on net value (rewards, usable credits, fees, and welcome offer).
| Scenario | World of Hyatt Credit Card | Marriott Bonvoy Bold Credit 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: $97 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $97 Year one: $412 | World of Hyatt Credit Card | World of Hyatt Credit Card |
| Heavy spender: $4,000/month | Rewards: $911 Credits (our usable estimate): $0 − Annual fee ($95) Ongoing: $816 Year one: $1,311 | Rewards: $386 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $386 Year one: $701 | 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 Marriott Bonvoy Bold Credit Card (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
Get the Marriott Bonvoy Bold Credit Card if you:
- +Do most of your spending at grocery stores
The Bottom Line
Both scenarios favor the World of Hyatt Credit Card on net value (rewards, usable credits, fees, and welcome offer).
Published annual fees: World of Hyatt Credit Card $95/yr, Marriott Bonvoy Bold Credit Card $0/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 Marriott Bonvoy Bold Credit Card. 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 World of Hyatt Credit Card or Marriott Bonvoy Bold 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 World of Hyatt Credit Card or the Marriott Bonvoy Bold Credit Card?
- Use the spend scenarios on this page: the Marriott Bonvoy Bold Credit Card 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.
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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.