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Your hotel costs at Hyatt or IHG lproperties can be highly rewarding if you use the Chase World of Hyatt or the Chase IHG Rewards Club 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 Chase World of Hyatt 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.

OUR COMPARISON AT A GLANCE

Comparison Overview: Chase World of Hyatt vs. Chase IHG Rewards Club Premier

  • Chase World of Hyatt
    Chase IHG Rewards Club Premier
  • Has Annual Fee
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  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
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Chase World of Hyatt At a Glance

For every dollar spent at Hyatt hotels using the Chase World of Hyatt, 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.


  • Chase World of Hyatt

    A great rewards card for travelers who like staying at Hyatt Hotels and Resorts

    • Good-ExcellentCredit Needed
    • $95Annual Fee
    • 1–2 Points per $1Rewards Rate
    • 4xRewards Rate at Hotels
    • 2xRewards Rate on Dining

    Terms, rates and fees apply

    Compare this credit card with other top-rated travel rewards cards.

Chase IHG Rewards Club Premier At a Glance

In addition to earning up to 25X total points to IHG Hotels and Resorts, the Chase IHG Rewards Club Premier 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.


  • Chase IHG Rewards Club Premier

    A fantastic card for earning rewards when you stay at IHG hotels and resorts.

    • Good-ExcellentCredit Needed
    • $89Annual Fee
    • 1–25 Points per $1*Rewards Rate
    • 25xRewards Rate at Hotels
    • 2xRewards Rate on Groceries

    Terms, rates and fees apply

    Compare this credit card with other top-rated cards from our partners.

Comparison Summary

If you're trying to compare the Chase World of Hyatt card and Chase IHG Rewards Club Premier 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: Chase World of Hyatt

  • Welcome Bonus

    You will earn 30,000 points after making $3,000 in purchases within the first three months with the Chase 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 Chase IHG Rewards Club Premier account, you'll earn 125,000 bonus points and a free night at an eligible IHG Hotel.

    Winner: Chase IHG Rewards Club Premier

  • Rewards

    The Chase World of Hyatt 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 Chase IHG Rewards Club Premier 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: Chase IHG Rewards Club Premier

  • Annual Fee

    Chase’s World of Hyatt has a $95 annual fee and the IHG Rewards Club Premier has an $89 annual fee.

    Winner: Chase IHG Rewards Club Premier

  • Loyalty Programs

    The Chase World of Hyatt 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 Chase IHG Rewards Club Premier program go to the IHG Rewards Club program. They can be redeemed for reward nights at IHG Hotels, purchasing airline miles and more.

    Winner: Chase IHG Rewards Club Premier

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 Chase World of Hyatt?

The Chase 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:

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    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.

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    Those looking for a shortcut to Hyatt Discoverist Elite status.

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    ≫ More: Read Our Full Review

Who Should Consider the Chase IHG Rewards Club Premier?

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:

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    IHG brand loyalists who only stay at IHG properties while on vacation or business trips

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    Travelers seeking an expedited path to IHG Rewards Club Platinum Elite membership.

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    ≫ More: Read Our Full Review
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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 Chase World of Hyatt and Chase IHG Rewards Club Premier, 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.

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.

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*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.
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