Perqt AI Wallet logo
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
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Combined purchases in bonus categories each quarter you activate · Chase Ultimate Rewards
  • 5×Travel · Chase Ultimate Rewards
  • 3×Dining at restaurants, including takeout and eligible delivery services · Chase Ultimate Rewards
  • 3×Drugstore purchases · Chase Ultimate Rewards

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Auto Rental Collision Damage Waiver · $0
  • Cell Phone Protection · $0
  • Purchase Protection · $0
  • Trip Cancellation and Interruption Insurance · $0
Full Chase Freedom Flex review

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 purchases · World of Hyatt Program

Key benefits

  • Extra Category 1–4 free night (Spend Tier) · $300
  • Annual Category 1–4 free night · $300
  • Trip Cancellation and Interruption Insurance · $0
  • 2 tier-qualifying nights per $5,000 spent · $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.

Get my personal answer