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Head-to-head, 2026

Chase Southwest Rapid Rewards Plus 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 World of Hyatt

Chase

Southwest Rapid Rewards Plus

Annual fee
$99
Network
visa
Welcome value
~$500
Min spend
$1,000 / 3mo

Top earning rates

  • 2×Southwest Airlines® purchases, including flights, inflight, and Southwest® gift cards
  • 2×Gas stations and grocery stores
  • 2×Qualifying Lyft products and services purchased through the Lyft mobile application
  • 1×All other purchases

Key benefits

  • Free first checked bag · $140
  • Monthly Instacart credit · $10
  • DoorDash non-restaurant order discount · $10
  • 10,000 Companion Pass qualifying points boost · $0
  • No Foreign Transaction Fees · $0
Full Chase Southwest Rapid Rewards Plus 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.

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