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Wells Fargo Active Cash vs World of Hyatt Credit Card
Side-by-side comparison of fees, rewards, benefits, and more.
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Feature Comparison
| Feature | Wells Fargo Active CashWells Fargo | World of Hyatt Credit CardChase |
|---|---|---|
| Rating | 4.5/5 | 4.5/5 |
| Annual Fee | $0 | $95 |
| APR | 18.49% - 28.49% | 19.49% - 27.99% |
| Signup Bonus | $200 cash rewards 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 | 2% cash rewards on all purchases | 4X at Hyatt hotels, 2X on dining, flights, and local transit, 1X on everything else |
| Credit Score | good | good |
| Pros | Flat 2% cash rewards on all purchases with no categories to track $0 annual fee with a $200 welcome bonus 0% intro APR for 12 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 | 3% foreign transaction fee Requires a Wells Fargo relationship for best experience No bonus categories beyond the flat 2% | $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: Wells Fargo Active Cash
Both cards tie at 4.5/5, but No annual fee makes it easy to justify. The Wells Fargo Active Cash is one of the strongest no-fee 2% cash back cards available. With a solid signup bonus and intro APR offer, it competes head-to-head with the Citi Double Cash while adding balance transfer flexibility.