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.
All credit cards
Side-by-side
World of Hyatt Credit Card vs Sephora Visa Credit Card
Both are well-respected travel cards. The World of Hyatt Credit Card comes from Chase at $95/yr; the Sephora Visa Credit Card from Comenity at $0/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 ($995 more in estimated value) than the Sephora Visa Credit Card's. Get the World of Hyatt Credit Card first; revisit the Sephora Visa Credit Card after you've earned that bonus.
| Feature | World of Hyatt Credit Card | Sephora Visa Credit Card |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Up to 60,000 Bonus Points | 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase |
| Bonus value (est.) | $1,020 | $25 |
| Min spend to unlock bonus | - | $0 in 0 mo |
| Issuer | Chase | Comenity |
| Card category | hotel | cashback |
| Best earning category (Dining) | 2x | 1x |
| Transfer partners | None | None |
| Headline benefits |
|
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Read the full review
Sephora Visa Credit Card
$0/yr · 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase
Editorial take: Sephora Visa Credit Card
Common questions
- Which card has the bigger sign-up bonus, World of Hyatt Credit Card or Sephora Visa Credit Card?
- The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,020, versus 25% off your first Sephora.com purchase + 4X Beauty Insider points on that purchase (~$25) on the Sephora Visa Credit Card.
- Is the World of Hyatt Credit Card's $95 annual fee worth it compared to the Sephora Visa Credit 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 Sephora Visa Credit Card's, pick the one whose perks you'll actually use.
- Can I have both the World of Hyatt Credit Card and Sephora Visa Credit Card?
- Yes, since they're from different issuers (Chase and Comenity) 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 Sephora Visa Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. World of Hyatt Credit Card: no published min spend. Sephora Visa Credit 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.