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 Upgrade Triple Cash Rewards Visa
Both are well-respected travel cards. The World of Hyatt Credit Card comes from Chase at $95/yr; the Upgrade Triple Cash Rewards Visa from Upgrade 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 ($820 more in estimated value) than the Upgrade Triple Cash Rewards Visa's. Get the World of Hyatt Credit Card first; revisit the Upgrade Triple Cash Rewards Visa after you've earned that bonus.
| Feature | World of Hyatt Credit Card | Upgrade Triple Cash Rewards Visa |
|---|---|---|
| Annual fee | $95 | $0 |
| Sign-up bonus | Up to 60,000 Bonus Points | $200 statement bonus |
| Bonus value (est.) | $1,020 | $200 |
| Min spend to unlock bonus | - | $0 in 2 mo |
| Issuer | Chase | Upgrade |
| Card category | hotel | cash-back |
| 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
Upgrade Triple Cash Rewards Visa
$0/yr · $200 statement bonus
Editorial take: Upgrade Triple Cash Rewards Visa
Common questions
- Which card has the bigger sign-up bonus, World of Hyatt Credit Card or Upgrade Triple Cash Rewards Visa?
- The World of Hyatt Credit Card has the bigger bonus, Up to 60,000 Bonus Points, worth roughly $1,020, versus $200 statement bonus (~$200) on the Upgrade Triple Cash Rewards Visa.
- Is the World of Hyatt Credit Card's $95 annual fee worth it compared to the Upgrade Triple Cash Rewards Visa?
- 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 Upgrade Triple Cash Rewards Visa's, pick the one whose perks you'll actually use.
- Can I have both the World of Hyatt Credit Card and Upgrade Triple Cash Rewards Visa?
- Yes, since they're from different issuers (Chase and Upgrade) 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 Upgrade Triple Cash Rewards Visa first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. World of Hyatt Credit Card: no published min spend. Upgrade Triple Cash Rewards Visa: $0 in 2 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.