Not credit advice. Facts and math from issuer pages and the CFPB, each with its date. Offers change; approval depends on your credit. Verify on the issuer's site.
Rubric: Capital One Venture leads by 13.9 pts. Scores: World of Hyatt Credit Card 64.0%, Capital One Venture 77.9%.
At a sample $1,920/month (groceries $500, dining $300, gas $150, travel $150, online $200, other $400 …): World of Hyatt Credit Card nets $41/yr, Capital One Venture nets $366/yr after annual fees. Use your own numbers →
Criterion scores (0–10)
Annual feeCard: 8.0 · Venture: 8.0
Rewards rateCard: 4.5 · Venture: 9.5
Sign-up bonusCard: n/a · Venture: 10
Intro 0% APRCard: 0.0 · Venture: 0.0
Regular APRCard: 7.3 · Venture: 7.0
Foreign transaction feeCard: 10.0 · Venture: 10.0
Regulatory record (CFPB)Card: 10.0 · Venture: 10.0
Penalty APRup to 29.99% Chase's CFPB-filed agreements list a penalty APR of 'up to 29.99%'; agreements are not labeled by product, so this is issuer-level consumerfinance.gov, 2026-06-30
Annual fee $95APR 19.74%–28.74% variableRewards 2x miles on every purchase; 5x Capital One Travel hotels, vacation rentals, rental carsCredit Excellent
⚠ $95 annual fee · APR up to 28.74% if you carry a balance · Late fee up to $40
No paid placement. No issuer pays VaultRubric for inclusion or rank; links go to the issuer's own page. Ranks come only from the published rubric below.
FAQ
Which is better, World of Hyatt Credit Card or Capital One Venture?
On VaultRubric's rubric: Capital One Venture scores higher. The better card for you depends on where you spend; the calculator shows net value for your spending.
Estimates, not financial advice. Taxes, insurance, PMI and fees vary by lender, county and city; confirm with your lender, dealer and state agency before acting.