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All comparisons
Head-to-head, 2026

Chase Freedom Unlimited Chase World of Hyatt Business

Annual fee, welcome offer, top earning categories, and key benefits — compared side-by-side using Perqt's catalog data.

Lower annual fee: Chase Freedom Unlimited

Chase

Freedom Unlimited

Annual fee
$0
Network
visa
Welcome value
$200
Min spend
$500 / 3mo

Top earning rates

  • 5×Travel purchased through Chase Travel
  • 3×Dining at restaurants, including takeout and eligible delivery services
  • 3×Drugstore purchases
  • 2×Qualifying Lyft products and services purchased through the Lyft mobile application

Key benefits

  • Quarterly DoorDash non-restaurant discount · $10
  • Travel and Emergency Assistance Services · $0
  • Freedom's Cashback Moments · $0
  • $0 Fraud Liability · $0
Full Chase Freedom Unlimited review

Chase

World of Hyatt Business

Annual fee
$199
Network
visa
Welcome value
—
Min spend
$5,000 / 3mo

Top earning rates

  • 4×Hyatt purchases · World of Hyatt
  • 2×Top three quarterly categories · World of Hyatt
  • 2×Fitness and gym memberships · World of Hyatt
  • 1×All other purchases · World of Hyatt

Key benefits

  • Hyatt statement credit · $50
  • 5 tier-qualifying night credits (Spend Tier) · $0
  • World of Hyatt Discoverist status · $0
  • Roadside Assistance · $0
  • Purchase Protection · $0
Full Chase World of Hyatt Business 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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