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Chase Freedom Unlimited 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 UnlimitedChase | 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 | $250 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 travel via Chase, 3% on dining & drugstores, 1.5% on everything else | 4X at Hyatt hotels, 2X on dining, flights, and local transit, 1X on everything else |
| Credit Score | good | good |
| Pros | 1.5% base rate beats most flat-rate cards 0% intro APR for 15 months on purchases and balance transfers Pairs perfectly with Chase Sapphire for point 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 | 3% foreign transaction fee Points worth more when paired with a Sapphire card No premium perks | $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 Unlimited
With a 4.6/5 rating, the Chase Freedom Unlimited edges out the World of Hyatt Credit Card (4.5/5). No annual fee makes it easy to justify. The Freedom Unlimited is the best no-fee companion card. With 1.5% on everything plus 3% on dining, it earns strong rewards solo — and becomes elite when paired with a Chase Sapphire for point transfers.