All comparisons
Head-to-head, 2026
Chase Freedom Flex Chase World of Hyatt
Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.
Lower annual fee: Chase Freedom Flex
Chase
Freedom Flex
- Annual fee
- $0
- Network
- mastercard
- Welcome value
- $250
- Min spend
- $500 / 3mo
Top earning rates
- 5×Bonus categories
- 5×Travel
- 3×Dining at restaurants
- 3×Drugstore purchases
Key benefits
- Quarterly DoorDash non-restaurant discount · $10
- Purchase Protection · $0
- Trip Cancellation and Interruption Insurance · $0
- Extended Warranty · $0
- World Elite Mastercard benefits · $0
Chase
World of Hyatt
- Annual fee
- $95
- Network
- visa
- Welcome value
- —
- Min spend
- $3,000 / 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 Program
- 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 Program
- 2×Purchases that normally earn 1 Bonus Point · World of Hyatt Program
- 1×All other card purchases
Key benefits
- Purchase Protection · $500
- Extra Category 1–4 free night (Spend Tier) · $300
- Annual Category 1–4 free night · $300
- Hyatt points do not expire while card is open · $0
- Visa Signature Concierge Service · $0
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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