All comparisons
Head-to-head, 2026
Chase United Business 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
United Business
- Annual fee
- $695
- Network
- visa
- Welcome value
- —
- Min spend
- $5,000 / 3mo
Top earning rates
- 2×United Airlines purchases · United MileagePlus
- 2×Gas stations · United MileagePlus
- 2×Office supply stores · United MileagePlus
- 2×Restaurants · United MileagePlus
Key benefits
- 2 Global Economy Plus Seat Upgrades · $300
- Free first and second checked bags · $280
- 5,000-mile Better-Together Anniversary Bonus · $65
- United Club Membership · $0
- Employee Cards · $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 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
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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