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.
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Side-by-side
World of Hyatt Credit Card vs Mastercard Black Card
Both are well-respected travel cards. The World of Hyatt Credit Card comes from Chase at $95/yr; the Mastercard Black Card from Barclays (Luxury Card) at $699/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,020 more in estimated value) than the Mastercard Black Card's. Get the World of Hyatt Credit Card first; revisit the Mastercard Black Card after you've earned that bonus.
| Feature | World of Hyatt Credit Card | Mastercard Black Card |
|---|---|---|
| Annual fee | $95 | $699 |
| Sign-up bonus | Up to 60,000 Bonus Points | No public welcome offer |
| Bonus value (est.) | $1,020 | $0 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Chase | Barclays (Luxury Card) |
| Card category | hotel | travel |
| Best earning category (Dining) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer
Editorial take: Mastercard Black Card
The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.
Common questions
- Which card has the bigger sign-up bonus, World of Hyatt Credit Card or Mastercard Black Card?
- The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,020, versus No public welcome offer (~$0) on the Mastercard Black Card.
- Is the World of Hyatt Credit Card's $95 annual fee worth it compared to the Mastercard Black Card?
- At $95/yr, the World of Hyatt Credit Card is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Mastercard Black Card's, pick the one whose perks you'll actually use.
- Can I have both the World of Hyatt Credit Card and Mastercard Black Card?
- Yes, since they're from different issuers (Chase and Barclays (Luxury Card)) 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 World of Hyatt Credit Card or the Mastercard Black Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. World of Hyatt Credit Card: no published min spend. Mastercard Black Card: $0 in 0 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.