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All comparisons
Head-to-head, 2026

American Express Platinum Chase World of Hyatt

American Express Platinum

$895/yr

Platinum
World of Hyatt

Chase World of Hyatt

$95/yr

Every $1 · two cards

American Express Platinum earns more in 6 of 9 categories · Chase World of Hyatt in 2

  • Dining
    1×2¢ per $1
    2×3.3¢ per $1
  • Groceries
    1×2¢ per $1
    1×1.65¢ per $1
  • Gas
    1×2¢ per $1
    1×1.65¢ per $1
  • Flights
    5×10¢ per $1

    up to $500,000/yr

    2×3.3¢ per $1
  • Hotels
    5×10¢ per $1

    via American Express Travel

    1×1.65¢ per $1
  • Everything else
    1×2¢ per $1
    1×1.65¢ per $1

Value per $1 uses the same point values as Discover Value: cash back at face value, points at Perqt's value for each program. Rates that apply all the time are shown, with caps and booking sites named; limited-time, spend-threshold and pick-one bonuses are in each card's full review. Annual fees and welcome offers are not counted here.

Fees, welcome offers & benefits

Lower annual fee: Chase World of Hyatt

American Express

Platinum

Annual fee
$895
Network
amex
Welcome value
—
Min spend
$12,000 / 6mo

Top earning rates

  • 5×Flights booked directly with airlines or through American Express Travel® · Membership Rewards
  • 5×Prepaid hotels · Membership Rewards
  • 5×Prepaid short-term rentals with Airbnb · Membership Rewards
  • 2×Eligible travel purchases · Membership Rewards

Key benefits

  • Cell Phone Protection · $800
  • Trip Delay Insurance · $500
  • $300 Equinox Credit · $300
  • $600 Lodging Credit · $300
  • $250 Airbnb Experiences Credit · $250
Full American Express Platinum review

Chase

World of Hyatt

Annual fee
$95
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 4×Qualifying purchases made at Hyatt hotels and resorts participating in the World of Hyatt Program and on purchases of World of Hyatt Experiences · World of Hyatt
  • 2×Restaurants, on airline tickets purchased directly from airlines, on local transit and commuting (taxis, mass transit, tolls, parking, ride-share), and on fitness club & gym memberships · World of Hyatt
  • 1×All other purchases · World of Hyatt Bonus Points

Key benefits

  • Annual Category 1–4 free night · $255
  • Extra Category 1–4 free night (Spend Tier) · $255
  • Quarterly DoorDash non-restaurant discount · $10
  • 2 tier-qualifying nights per $5,000 spent (Spend Tier) · $0
  • Hyatt points do not expire while card is open · $0
Full Chase World of Hyatt review

Wondering which one is right for your wallet?

Spec sheets can't tell you which card actually earns more for the way you spend. Perqt connects to your wallet, runs the math against your real transactions, and tells you which of these two — or another card entirely — gives you the biggest annual uplift.

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