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World of Hyatt Credit Card vs Capital One Venture X

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 X leads by 10.3 pts. Scores: World of Hyatt Credit Card 64.0%, Capital One Venture X 74.3%.

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 X nets $66/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCard: 8.0 · X: 5.0
Rewards rateCard: 4.5 · X: 10
Sign-up bonusCard: n/a · X: 10
Intro 0% APRCard: 0.0 · X: 0.0
Regular APRCard: 7.3 · X: 7.0
Foreign transaction feeCard: 10.0 · X: 10.0
Regulatory record (CFPB)Card: 10.0 · X: 10.0

World of Hyatt Credit Card

IssuerChase
Typetravel
Annual fee$95 (CFPB TCCP; issuer page did not render a clear fee) files.consumerfinance.gov, 2025-12-31
Regular purchase APR19.49%–27.99% variable creditcards.chase.com, 2026-10-12
Rewards1% base; 2% dining; 2% transit creditcards.chase.com, 2026-10-12
Sign-up bonus (≈$)not found creditcards.chase.com, 2026-10-12
Intro APRnone No intro APR shown creditcards.chase.com, 2026-10-12
Foreign transaction feenone files.consumerfinance.gov, 2025-12-31
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
Late feeup to $40 up to (first and repeat late fee) files.consumerfinance.gov, 2025-12-31
Balance transfer fee5% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit needed620–719, 720+ (CFPB TCCP targeted tiers) files.consumerfinance.gov, 2025-12-31
Grace period21 days files.consumerfinance.gov, 2025-12-31
Cash advance APR28.49% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.24%–27.74% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Capital One Venture X

IssuerCapital One
Typetravel
Annual fee$395 capitalone.com, 2026-10-11
Regular purchase APR19.74%–28.74% variable capitalone.com, 2026-10-11
Rewards10x Capital One Travel hotels & rental cars; 5x flights & vacation rentals; 2x other capitalone.com, 2026-10-11
Sign-up bonus (≈$)$750 75,000 miles after $4,000 in 3 months capitalone.com, 2026-10-11
Intro APRnone No intro APR offer shown capitalone.com, 2026-10-11
Foreign transaction feenone capitalone.com, 2026-10-11
Penalty APRnone No penalty APR appears in the issuer's CFPB-filed agreement (only penalty fees are listed) consumerfinance.gov, 2026-06-30
Late feeup to $40 up to; Up to $29.00 for first late fee. files.consumerfinance.gov, 2025-12-31
Balance transfer fee4% files.consumerfinance.gov, 2025-12-31
Cash advance fee5% files.consumerfinance.gov, 2025-12-31
Credit neededExcellent capitalone.com, 2026-10-11
Grace period25 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.24% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)18.99%–29.24% files.consumerfinance.gov, 2025-12-31 older; issuer figure above is newer

Downsides

World of Hyatt Credit Card64.0%
Chase · travel
Annual fee $95 (CFPB TCCP; issuer page did not render a clear fee)APR 19.49%–27.99% variableRewards 1% base; 2% dining; 2% transitCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ $95 annual fee (CFPB TCCP; issuer page did not render a clear fee) · APR up to 27.99% if you carry a balance · Penalty APR up to 29.99%
Capital One Venture X74.3%
Capital One · travel
Annual fee $395APR 19.74%–28.74% variableRewards 10x Capital One Travel hotels & rental cars; 5x flights & vacation rentals; 2x otherCredit Excellent
⚠ $395 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 X?

On VaultRubric's rubric: Capital One Venture X 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.