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World of Hyatt Credit Card vs Chase Sapphire Reserve

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: too close to call (under 3 pts). Scores: World of Hyatt Credit Card 64.0%, Chase Sapphire Reserve 63.9%.

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, Chase Sapphire Reserve nets −$439/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

Annual feeCard: 8.0 · Reserve: 1.0
Rewards rateCard: 4.5 · Reserve: 6.5
Sign-up bonusCard: n/a · Reserve: 10
Intro 0% APRCard: 0.0 · Reserve: 0.0
Regular APRCard: 7.3 · Reserve: 7.2
Foreign transaction feeCard: 10.0 · Reserve: 10.0
Regulatory record (CFPB)Card: 10.0 · Reserve: 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

Chase Sapphire Reserve

IssuerChase
Typetravel
Annual fee$795 creditcards.chase.com, 2026-10-11
Regular purchase APR19.74%–28.24% variable creditcards.chase.com, 2026-10-11
Rewards8x Chase Travel; 4x flights & hotels booked direct; 3x dining; 1x other creditcards.chase.com, 2026-10-11
Sign-up bonus (≈$)$1,000 100,000 points after $6,000 in 3 months creditcards.chase.com, 2026-10-11
Intro APRnone No intro APR offer shown creditcards.chase.com, 2026-10-11
Foreign transaction feenone Pricing & terms: Foreign Transactions None sites.chase.com, 2026-10-11
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 needed720+ (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)19.49%–27.99% 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%
Chase Sapphire Reserve63.9%
Chase · travel
Annual fee $795APR 19.74%–28.24% variableRewards 8x Chase Travel; 4x flights & hotels booked direct; 3x dining; 1x otherCredit 720+ (CFPB TCCP targeted tiers)
⚠ $795 annual fee · APR up to 28.24% if you carry a balance · Penalty APR up to 29.99%

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 Chase Sapphire Reserve?

On VaultRubric's rubric: too close to call. 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.