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All comparisons
Head-to-head, 2026

Chase United Explorer 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 United ExplorerBigger welcome offer: Chase World of Hyatt

Chase

United Explorer

Annual fee
$0
Network
visa
Welcome value
$720
Min spend
$3,000 / 3mo

Top earning rates

  • 2×Travel · United MileagePlus
  • 2×Dining · United MileagePlus
  • 2×Hotel · United MileagePlus
  • 1×All_other_purchases · United MileagePlus

Key benefits

  • Free first checked bag · $200
  • Global Entry, TSA PreCheck or NEXUS fee credit · $120
  • $100 United travel credit (Spend Tier) · $100
  • JSX statement credit · $100
  • United Hotels credits · $100
Full Chase United Explorer review

Chase

World of Hyatt

Annual fee
$95
Network
visa
Welcome value
$1,020
Min spend
$3,000 / 3mo

Top earning rates

  • 4×Hotels · World of Hyatt
  • 2×Dining · World of Hyatt
  • 2×Flights · World of Hyatt
  • 2×Transit · World of Hyatt

Key benefits

  • Extra Category 1–4 free night (Spend Tier) · $300
  • Annual Category 1–4 free night · $300
  • Lost luggage reimbursement · $0
  • Trip cancellation and interruption insurance · $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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