Find Your Best
World of Hyatt Credit Card
vs. IHG One Rewards Premier Credit Card
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Updated: March 19, 2024
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Your hotel costs at Hyatt or IHG lproperties can be highly rewarding if you use the World of Hyatt Credit Card or the IHG® Rewards Premier credit cards. With both card, you get great benefits like: a substantial welcome bonus, free hotel stays and automatic elite status with each brand’s loyalty program.
However, when analyzing both cards, you must take into account each card's fees, rewards structure, interest rates, and travel benefits. The World of Hyatt Credit Card has a $95 annual fee and the IHG Rewards Club Premier has a $89 annual fee. We will review the benefits and each card below.
Comparison Overview: World of Hyatt Credit Card vs. IHG One Rewards Premier Credit Card
- World of Hyatt Credit CardIHG One Rewards Premier Credit Card
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
World of Hyatt Credit Card At a Glance
For every dollar spent at Hyatt hotels using the World of Hyatt Credit Card, you get a total of nine points per dollar. For every dollar you spend at restaurants, airline tickets bought directly from the airline, local transit and commuting and health clubs and gym subscriptions, you earn two points per dollar. And it’s one point per dollar for everything else. In addition, the card comes with no foreign transaction fees and a complimentary night each year of card membership.
- World of Hyatt Credit Card
A great rewards card for travelers who like staying at Hyatt Hotels and Resorts
- 1–2 Points per $1Rewards Rate
- 21.49% – 28.49% VariableAPR
- $95Annual Fee
- Good–ExcellentRecommended Credit
Pros
- Earn bonus points when spending at Hyatt
- Get a complimentary night's stay every year
- No foreign transaction fees
- Travel and purchase cover
- Ability to elevate your World of Hyatt membership status
- Use for balance transfers
Cons
- High annual fees
- High cash advance APR
- High balance transfer and cash advance fees
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Earn 4X points per dollar on Hyatt hotel purchases (on top of 5 base points per dollar earned by regular World of Hyatt members)
- Earn 2X points per dollar on restaurants, directly purchased airfare, local transit, commuting and gym and fitness club memberships
- 1X point per dollar on other purchases
- Earn one night's free stay at any category 1–4 Hyatt hotel or resort every year.
- Earn an extra night's free stay if you spend at least $15,000 in a calendar year.
- Earn five qualifying night credits towards your next tier status each year.
- Earn two additional qualifying night credits each time you spend $5,000.
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Get room upgrades depending on your membership status.
- This card comes with baggage delay insurance, lost luggage reimbursement, trip cancellation/trip interruption insurance and purchase protection.
- Access to the Visa Signature Concierge service gives you easy means to book tickets, make reservations and discover local offers.
- Member FDIC
IHG One Rewards Premier Credit Card At a Glance
In addition to earning up to 25X total points to IHG Hotels and Resorts, the IHG® Rewards Premier Credit Card awards you two points for every dollar spent at gas stations, grocery stores and restaurants. All other purchases are eligible for one point for every dollar spent. With no foreign transaction fees, you can continue to accrue points without any penalties while traveling. The card's multiple benefits, including a free night's stay and a substantial welcome bonus, can quickly justify the $89 annual fee.
- IHG One Rewards Premier Credit Card
A fantastic card for earning rewards when you stay at IHG hotels and resorts.
- 3–26 Points per $1*Rewards Rate
- 21.49% – 28.49% VariableAPR
- $99Annual Fee
- Good–ExcellentRecommended Credit
Pros
- Significant number of bonus points for the taking
- Complementary IHG Rewards program’s Platinum Elite status
- Use your points for reward nights or redeem them for other awards
- Reward nights
- Pay no foreign transaction fees
- Fee credit toward Global Entry/TSA PreCheck
Cons
- Annual fee of $99
- Balance transfer and cash advance fees
- Penalty APR may apply if you make a late or returned payment
- The earn rate is not the same across all IHG properties
- Anniversary reward nights are valid only at IHG Hotels with a current point redemption level of 40,000 points or less
- Earn 140,000 Bonus Points after spending $3,000 on purchases in the first three months offer ends April 3, 2024.
- Stand to earn 10,000 bonus points each year by spending $20,000 on purchases and making one additional purchase.
- Earn up to 26 total points per $1 spent when you stay at IHG Hotels & Resorts. Earn 5 points per $1 spent on purchases on travel, at gas stations, and restaurants. Earn 3 points per $1 spent on all other purchases.
- Automatic Platinum Elite status as long as you remain a Premier cardmember
- Enjoy an Anniversary Free Night at IHG Hotels & Resorts. Plus, enjoy a fourth reward night free when you redeem points for a consecutive four-night IHG® hotel stay.
- Get protection when you’re traveling through trip cancellation/trip interruption insurance, lost luggage reimbursement and baggage delay insurance.
- Safeguard your purchases against damage and theft (up to $500 per claim) for 120 days through purchase protection.
- Get a $100 credit as reimbursement for Global Entry/TSA PreCheck fees every four years.
- Member FDIC
Comparison Summary
If you're trying to compare the World of Hyatt Credit Card and IHG® Rewards Premier Credit Card, our comparison chart below can help.
Card Detail | Comparison Summary |
|---|---|
Travel Coverage and Purchase Protection | Both cards provide the same travel benefits, such as lost luggage reimbursement, purchase protection and trip cancellation insurance. However, the World of Hyatt card covers baggage delay insurance for an extra two days compared to the IHG Rewards Club Premier card. Winner: World of Hyatt Credit Card |
Welcome Bonus | You will earn 30,000 points after making $3,000 in purchases within the first three months with the World of Hyatt Credit Card. And spending $15,000 in the first six months gives you an additional 30,000 points. If you spend $3,000 on eligible purchases during the first three months of opening your IHG® Rewards Premier Credit Card account, you'll earn 125,000 bonus points and a free night at an eligible IHG Hotel. Winner: IHG® Rewards Premier Credit Card |
Rewards | The World of Hyatt Credit Card offers four extra points for every dollar spent at Hyatt hotels, plus five points for World of Hyatt members. You also earn two points for every dollar spent on restaurants, airline tickets, local transit and health club and gym subscriptions, and one point for every dollar spent on everything else. The IHG® Rewards Premier Credit Card awards up to 25X points at IHG Hotels, two points per dollar spent at gas stations, grocery shops and restaurants, and one point for every dollar spent elsewhere. Winner: IHG® Rewards Premier Credit Card |
Annual Fee | Chase’s World of Hyatt has a $95 annual fee and the IHG Rewards Club Premier has an $89 annual fee. Winner: IHG® Rewards Premier Credit Card |
Loyalty Programs | The World of Hyatt Credit Card earns reward points that are associated with the World of Hyatt loyalty program. The points can be transferred to a number of airline loyalty programs. The points earned from spending on the IHG® Rewards Premier Credit Card program go to the IHG Rewards Club program. They can be redeemed for reward nights at IHG Hotels, purchasing airline miles and more. Winner: IHG® Rewards Premier Credit Card |
Which Card Should You Get?
Both cards are very similar in their offering. However, the World of Hyatt has the slight edge over the IHG card for the sole reason that Hyatt has a fixed award chart. This means that their hotel nights for their hotels do not shift in price based on demand.
This makes Hyatt points more valuable to earn for consumers.
Who Should Consider the World of Hyatt Credit Card?
The World of Hyatt Credit Card was awarded one of the Best Airline & Hotel Credit Cards by MoneyGeek. Despite its annual fee, its fee-free international transactions and significant reward points earned by staying at Hyatt hotels make it an excellent choice for the following individuals:
A vacationer or business traveler who frequently stays at Hyatt properties. Even if you only stay at Hyatt hotels a few times a year, this card will rapidly pay for itself.
Those looking for a shortcut to Hyatt Discoverist Elite status.
≫ More: Read Our Full Review
Who Should Consider the IHG One Rewards Premier Credit Card?
The IHG Rewards Club Premier card from Chase did not make the cut in MoneyGeek's rankings of the best hotel or travel credit cards. However, the card is a great option for consumers in the following categories:
IHG brand loyalists who only stay at IHG properties while on vacation or business trips
Travelers seeking an expedited path to IHG Rewards Club Platinum Elite membership.
≫ More: Read Our Full Review
EXPERT OPINION
The World of Hyatt credit card is the better choice of the two when it comes to earning valuable rewards. However, where IHG surpasses Hyatt is in the number of properties globally it has. But if you’re looking for excellent value for your expenses and mainly travel to major cities where you will likely find Hyatt properties, the World of Hyatt card is the better option.
Other Helpful Decision-Making FAQs
There are several differences between the World of Hyatt Credit Card and IHG® Rewards Premier Credit Card, which leads many consumers to be unsure of which card is best for them. MoneyGeek has provided answers to some important questions that may help you select the appropriate one.
Each card is rewarding in its own way. If you plan to stay at Hyatt hotels during your vacation or business trip, the World of Hyatt card is ideal. If you prefer to stay at an IHG property, the IHG® Rewards Premier Credit Card is for you. But in terms of the more valuable rewards currency, its absolutely the World of Hyatt card.
Yes. Having both cards is only useful if you frequently stay at Hyatt and IHG hotels. However, the 5/24 rule prevents you from applying for most Chase cards if you've opened five or more personal credit cards in the last 24 months.
No. You cannot move your World of Hyatt points to your IHG® Rewards Premier Credit Card and vice versa. The rewards programs of the two cards are separate from one another.
You can switch from one to the other if your preferences change, or even have both cards at the same time.
Both cards are for people with good to excellent credit. You can apply for either of these cards if you have good credit and have not opened five personal credit cards in the last two years. The time it takes to approve or process an application varies.
The World of Hyatt Credit Card gives you 30,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening. And then you can earn up to 30,000 more points by earning 2 Bonus Points total per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening.
You'll receive 125,000 bonus points and a free night with the IHG® Rewards Premier Credit Card after you spend $3,000 in the first 3 months.
Still Not Sure About These Cards? Consider These Options
If the World of Hyatt or IHG Rewards Club Premier cards aren’t the best fit for you, don't fret. You may want to consider a business or cash back credit card in lieu of a hotel credit card.
Learn more about credit cards in general
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About Doug Milnes, CFA
sources
- Chase. "World of Hyatt Credit Card." Accessed January 7, 2022.
- Chase. "IHG Rewards Club Premier Credit Card." Accessed January 7, 2022.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.