Chase Sapphire Reserve® vs World of Hyatt Credit Card

Chase Sapphire Reserve®Chase Sapphire Reserve®

Chase

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World of Hyatt Credit CardWorld of Hyatt Credit Card

Chase

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Annual Fee
$795
$95
Card Type
Personal
Personal
Rewards Currency
Chase Ultimate Rewards
World of Hyatt Points
Point Value
2.00¢/pt
1.70¢/pt
Base Earn Rate
1x
1x
Welcome Bonus
100,000 Chase Ultimate Rewards after $6,000 in 3 months
30,000 World of Hyatt Points after $3,000 in 90 days

Effective return by category

CategoryChase Sapphire Reserve®World of Hyatt Credit Card
Airfare8.00%
4x
3.40%
2x
Hotels & Lodging8.00%
4x
1.70%
1x
Dining & Restaurants6.00%
3x
3.40%
2x
Gym & Fitness2.00%
1x
3.40%
2x
Transit & Rideshare2.00%
1x
3.40%
2x
Everything else2.00%
1x
1.70%
1x

Returns use our default point valuations — multiplier × point value. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?

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