Compare up to 4 cards

2 of 4 cards. Side by side on fees, welcome offers, earn rates and benefits.

All detailsDifferences only

Credit card comparison
Overview
	World of Hyatt Credit Card Chase · $95/yr	Hilton Honors American Express Card American Express · No annual fee
Annual fee	$95	$0 Lowest
Welcome offerCurrent public offer	Up to 60,000 points	70,000 points
Rewards	World of Hyatt Loyalty Program	Hilton Honors
Foreign transaction fee	None	None
Network	Visa Signature	American Express
Earn ratesPer $1 spent
Dining	2x	5x Highest
Gas Stations	1x	5x Highest
Grocery Stores	1x	5x Highest
Fitness	2x	3x Highest
Flights	2x	3x Highest
Transit	2x	3x Highest
Everything else	1x	3x Highest
Statement creditsAs the issuer states them · — means none on record
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	Automatic Hilton Honors Silver Elite Status
Other perks	No Foreign Transaction Fees on International Purchases 24/7 Visa Signature Concierge Service at No Cost	Amex Offers Early access to concerts and events 24/7 global travel assistance No foreign transaction fees
Protections & insuranceLimits where published · — means none on record
Trip insurance	Up to $5,000 trip cancellation and interruption insurance	—
Baggage	Up to $3,000 lost luggage reimbursement coverage Up to $500 baggage delay insurance coverage	—
Rental car	Auto rental coverage (secondary in the U.S.)	Car rental insurance (secondary coverage)
Purchase & returns	Up to $500 purchase protection per item	Up to $1,000 per item against damage or theft
Extended warranty	Extended Warranty Adds 1 Year to Eligible Products	—
Other protections	—	Zero liability protection on fraudulent charges
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)	No annual fee ever Automatic Hilton Silver status with 20% bonus points and late checkout Path to Gold status after $20,000 annual spend Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas No foreign transaction fees
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	Only Silver status (lower than Surpass/Aspire Gold grants) Lower earn rates than premium Hilton cards (7X vs 12X at Hilton) No annual credits or free night rewards Points locked to Hilton with no transfer flexibility Amex network less accepted internationally than Visa/Mastercard
	Card details	Card details

World of Hyatt Credit Card
Chase · $95/yr
Hilton Honors American Express Card
American Express · No annual fee

Overview

Annual fee: World of Hyatt Credit Card
$95
Hilton Honors American Express Card
$0
Lowest
Welcome offerCurrent public offer: World of Hyatt Credit Card
Up to 60,000 points
Hilton Honors American Express Card
70,000 points
Rewards: World of Hyatt Credit Card
World of Hyatt Loyalty Program
Hilton Honors American Express Card
Hilton Honors
Foreign transaction fee: World of Hyatt Credit Card
None
Hilton Honors American Express Card
None
Network: World of Hyatt Credit Card
Visa Signature
Hilton Honors American Express Card
American Express

Earn ratesPer $1 spent

Dining: World of Hyatt Credit Card
2x
Hilton Honors American Express Card
5x
Highest
Gas Stations: World of Hyatt Credit Card
1x
Hilton Honors American Express Card
5x
Highest
Grocery Stores: World of Hyatt Credit Card
1x
Hilton Honors American Express Card
5x
Highest
Fitness: World of Hyatt Credit Card
2x
Hilton Honors American Express Card
3x
Highest
Flights: World of Hyatt Credit Card
2x
Hilton Honors American Express Card
3x
Highest
Transit: World of Hyatt Credit Card
2x
Hilton Honors American Express Card
3x
Highest
Everything else: World of Hyatt Credit Card
1x
Hilton Honors American Express Card
3x
Highest

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

Dining & delivery: World of Hyatt Credit Card
DoorDash DashPass
Hilton Honors American Express 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
Hilton Honors American Express Card
Automatic Hilton Honors Silver Elite Status
Other perks: World of Hyatt Credit Card
No Foreign Transaction Fees on International Purchases
24/7 Visa Signature Concierge Service at No Cost
Hilton Honors American Express Card
Amex Offers
Early access to concerts and events
24/7 global travel assistance
No foreign transaction fees

Protections & insuranceLimits where published · — means none on record

Trip insurance: World of Hyatt Credit Card
Up to $5,000 trip cancellation and interruption insurance
Hilton Honors American Express Card
—
Baggage: World of Hyatt Credit Card
Up to $3,000 lost luggage reimbursement coverage
Up to $500 baggage delay insurance coverage
Hilton Honors American Express Card
—
Rental car: World of Hyatt Credit Card
Auto rental coverage (secondary in the U.S.)
Hilton Honors American Express Card
Car rental insurance (secondary coverage)
Purchase & returns: World of Hyatt Credit Card
Up to $500 purchase protection per item
Hilton Honors American Express Card
Up to $1,000 per item against damage or theft
Extended warranty: World of Hyatt Credit Card
Extended Warranty Adds 1 Year to Eligible Products
Hilton Honors American Express Card
—
Other protections: World of Hyatt Credit Card
—
Hilton Honors American Express Card
Zero liability protection on fraudulent charges

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)
Hilton Honors American Express Card
No annual fee ever
Automatic Hilton Silver status with 20% bonus points and late checkout
Path to Gold status after $20,000 annual spend
Solid 7X earning at Hilton properties, 5X at restaurants/supermarkets/gas
No foreign transaction fees
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
Hilton Honors American Express Card
Only Silver status (lower than Surpass/Aspire Gold grants)
Lower earn rates than premium Hilton cards (7X vs 12X at Hilton)
No annual credits or free night rewards
Points locked to Hilton with no transfer flexibility
Amex network less accepted internationally than Visa/Mastercard

Card details

401 Popular Comparisons