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Side-by-side
Capital One Spark Cash vs World of Hyatt Credit Card
Both are well-respected travel cards. The Capital One Spark Cash comes from Capital One at $95/yr; the World of Hyatt Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | Capital One Spark Cash | World of Hyatt Credit Card |
|---|---|---|
| Annual fee | $95 | $95 |
| Sign-up bonus | $1,000 cash bonus | Up to 60,000 Bonus Points |
| Bonus value (est.) | $1,000 | $1,008 |
| Min spend to unlock bonus | $10,000 in 3 mo | $3,000 in 3 mo |
| Issuer | Capital One | Chase |
| Card category | business | hotel |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Capital One Spark Cash
$95/yr · $1,000 cash bonus
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Editorial take: World of Hyatt Credit Card
The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Cash or World of Hyatt Credit Card?
- The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,008, versus $1,000 cash bonus (~$1,000) on the Capital One Spark Cash.
- Is the Capital One Spark Cash's $95 annual fee worth it compared to the World of Hyatt Credit Card?
- At $95/yr, the Capital One Spark Cash is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the World of Hyatt Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash and World of Hyatt Credit Card?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Spark Cash or the World of Hyatt Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash: $10,000 spend in 3 months. World of Hyatt Credit Card: $3,000 in 3 months. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.