Card comparison

Chase World Of Hyatt vs Chase Sapphire Preferred

World of Hyatt vs Ultimate Rewards

Verified July 2026

TL;DR — quick verdict

Both the Chase World Of Hyatt and Chase Sapphire Preferred carry a $95 annual fee. Pick the Chase World Of Hyatt for everyday hyatt purchases spending (4x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x).

At a Glance

World of Hyatt Credit Card

Annual Fee
$95
Signup Bonus
30,000 points + 2 free nights
Network
Visa
Points Currency
World of Hyatt
Earning Rates
Everything Else 1x
Hyatt Purchases 4x
Dining Airline Transit Gym 2x

Chase Sapphire Preferred

Annual Fee
$95
Signup Bonus
100,000 points
Network
Visa
Points Currency
Ultimate Rewards
Earning Rates
Lyft 5x
Dining 3x
Vacation Homes 3x
Other Purchases 1x
Gas And Ev Charging 3x
Chase Travel Purchases 5x

Category Breakdown

How they compare across key categories

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Annual Fee

Tie

Chase World Of Hyatt $95 vs Chase Sapphire Preferred $95

Welcome Bonus

Chase Sapphire Preferred wins

Chase World Of Hyatt: 30,000 points + 2 free nights after $3,000 in 3 months vs Chase Sapphire Preferred: 100,000 points after $5,000 in 3 months

Top Earning Rate

Chase Sapphire Preferred wins

Chase World Of Hyatt: 4x on hyatt purchases vs Chase Sapphire Preferred: 5x on Lyft

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Perks & Credits

Tie

Chase World Of Hyatt: 4 listed benefits vs Chase Sapphire Preferred: 4 listed benefits

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Transfer Partners

Tie

Chase World Of Hyatt: World of Hyatt (earn directly) vs Chase Sapphire Preferred: 14 airline and hotel partners

Perks & Benefits

World of Hyatt Credit

  • Annual free night (Category 1-4)
  • Discoverist status
  • 5 elite night credits per year
  • Extra free night after $15k spend

Chase Sapphire Preferred

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
  • Apple TV subscription ($0)

Which Is Right for You?

Get the Chase World Of Hyatt if...

  • Earns 4x on hyatt purchases
  • Earns 2x on dining airline transit gym
  • Annual free night (Category 1-4)

Get the Chase Sapphire Preferred if...

  • Earns 5x on Lyft
  • Earns 5x on Chase Travel purchases
  • Chase Travel hotel credit ($100)

Related Resources

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Frequently Asked Questions

Is the Chase World Of Hyatt or Chase Sapphire Preferred better?

Both the Chase World Of Hyatt and Chase Sapphire Preferred carry a $95 annual fee. Pick the Chase World Of Hyatt for everyday hyatt purchases spending (4x); pick the Chase Sapphire Preferred for everyday Lyft spending (5x). Both earn transferable rewards, so many points collectors hold one from each ecosystem.

Which has the lower annual fee, the Chase World Of Hyatt or Chase Sapphire Preferred?

Both cards have a $95 annual fee.

Which card earns points faster?

The Chase World Of Hyatt earns up to 4x on hyatt purchases, while the Chase Sapphire Preferred earns up to 5x on Lyft.

Can I have both the Chase World Of Hyatt and the Chase Sapphire Preferred?

Yes, but mind Chase's 5/24 rule — Chase generally won't approve you for either card if you've opened five or more cards across all issuers in the past 24 months.

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Need More Points?

Earn bonus points with these credit card offers

Can't find availability at your current points balance? These credit cards offer generous welcome bonuses to help you book your dream flight.

The Business Platinum Card from American Express

Business · Annual fee $895

US only

200,000 points

after $20,000 in 3 months

  • Hotel credit ($600)
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American Express Business Gold Card

Business · Annual fee $375

US only

200,000 points

after $15,000 in 3 months

  • ChatGPT Business Statement Credit ($300)
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The Platinum Card from American Express

Personal · Annual fee $895

US only

175,000 points

after $12,000 in 6 months

  • Hotel credit ($600)
  • Digital entertainment credit ($300)
  • Uber Cash and One credit ($320)
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American Express Gold Card

Personal · Annual fee $250

US only

100,000 points

after $8,000 in 6 months

  • Dining credit ($120)
  • Resy credit ($100)
  • Disney Streaming credit ($120)
Learn more & apply

Chase Sapphire Preferred

Personal · Annual fee $95

100,000 points

after $5,000 in 3 months

  • Chase Travel hotel credit ($100)
  • Global Entry/TSA PreCheck credit ($120)
  • DoorDash DashPass ($120)
Learn more & apply

Chase Sapphire Reserve

Personal · Annual fee $795

100,000 points

after $6,000 in 3 months

  • Travel credit ($300)
  • The Edit hotel credit ($500)
  • Dining credit ($300)
Learn more & apply

Credit card approval subject to eligibility. Terms and conditions apply. American Express cards shown are available to US residents only.