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Chase Freedom Flex vs World of Hyatt Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Chase Freedom FlexChase | World of Hyatt Credit CardChase |
|---|---|---|
| Rating | 4.6/5 | 4.5/5 |
| Annual Fee | $0 | $95 |
| APR | 18.24% - 27.74% | 19.49% - 27.99% |
| Signup Bonus | $200 bonus after spending $500 in 3 months | 30,000 bonus points after spending $3,000 in 3 months, plus up to 30,000 more by earning 2X per $1 on first $15K |
| Rewards Rate | 5% on rotating quarterly categories (up to $1,500/quarter, activation required), 5% on Chase Travel, 3% on dining & drugstores, 1% on everything else | 4X at Hyatt hotels, 2X on dining, flights, and local transit, 1X on everything else |
| Credit Score | good | good |
| Pros | 5% rotating categories plus 3% on dining and drugstores $0 annual fee with a $200 welcome bonus 0% intro APR for 15 months on purchases and balance transfers | Hyatt points are worth 2cpp+ — among the most valuable hotel points Automatic Discoverist status with 5 qualifying night credits annually Free night award each cardmember anniversary (up to Category 4) |
| Cons | Must activate quarterly categories to earn 5% $1,500 quarterly cap on 5% categories 3% foreign transaction fee | $95 annual fee Earning is Hyatt-centric — limited value outside Hyatt ecosystem 2X on dining and travel trails competitors like Sapphire Preferred |
| View Details → | View Details → |
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Verdict
Our Pick: Chase Freedom Flex
With a 4.6/5 rating, the Chase Freedom Flex edges out the World of Hyatt Credit Card (4.5/5). No annual fee makes it easy to justify. The Chase Freedom Flex combines rotating 5% categories with permanent 3% on dining and drugstores. It's a no-fee powerhouse that pairs with Sapphire cards to unlock travel transfer partners.