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World of Hyatt Credit Card vs Citi Strata Premier

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: Citi Strata Premier leads by 4.3 pts. Scores: World of Hyatt Credit Card 64.0%, Citi Strata Premier 68.3%.

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, Citi Strata Premier nets $399/yr after annual fees. Use your own numbers →

Criterion scores (0–10)

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

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

Citi Strata Premier

IssuerCiti
Typetravel
Annual fee$95 citi.com, 2026-10-11
Regular purchase APR19.74%–27.74% variable citi.com, 2026-10-11
Rewards10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x other citi.com, 2026-10-11
Sign-up bonus (≈$)$600 60,000 points after $4,000 in 3 months citi.com, 2026-10-11
Intro APRnone No intro APR offer shown citi.com, 2026-10-11
Foreign transaction feenone citi.com, 2026-10-11
Penalty APRup to 29.99% up to; may apply after a late or returned payment citi.com, 2026-10-12
Late feeup to $41 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 period23 days files.consumerfinance.gov, 2025-12-31
Cash advance APR29.74% files.consumerfinance.gov, 2025-12-31
CFPB survey APR (2025-12-31)19.49%–27.49% 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%
Citi Strata Premier68.3%
Citi · travel
Annual fee $95APR 19.74%–27.74% variableRewards 10x Citi Travel hotels/cars/attractions; 3x air, hotels, restaurants, supermarkets, gas/EV; 1x otherCredit 620–719, 720+ (CFPB TCCP targeted tiers)
⚠ $95 annual fee · APR up to 27.74% 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 Citi Strata Premier?

On VaultRubric's rubric: Citi Strata Premier 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.