Chase Sapphire Reserve vs World of Hyatt Credit Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- Sapphire Reserve 2.1% 1x base rate
- World of Hyatt Credit Card 1.7% 1x base rate
Dining
- Sapphire Reserve 6.2% 3x
- World of Hyatt Credit Card 3.3% 2x
Travel · portal
- Sapphire Reserve · Chase Travel 16.4% 8x
Ground transportation
- World of Hyatt Credit Card 3.3% 2x
- Sapphire Reserve 2.1% 1x base rate
Gyms
- World of Hyatt Credit Card 3.3% 2x
- Sapphire Reserve 2.1% 1x base rate
Flights
- Sapphire Reserve 8.2% 4x
- World of Hyatt Credit Card 3.3% 2x
Hotels
- Sapphire Reserve 8.2% 4x
- World of Hyatt Credit Card 6.6% 4x
Peloton
- Sapphire Reserve 20.5% 10x
- World of Hyatt Credit Card 1.7% 1x base rate
Lyft
- Sapphire Reserve 10.3% 5x
- World of Hyatt Credit Card 3.3% 2x
What the numbers are doing
The table is earn rate only — annual fees are not netted out of it. These cards charge Sapphire Reserve $795 and World of Hyatt Credit Card $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: Sapphire Reserve takes everything else, dining, flights and hotels, plus 2 more; World of Hyatt Credit Card takes ground transportation and gyms.
| Category | Best card |
|---|---|
| Everything else | Sapphire Reserve2.1% |
| Dining | Sapphire Reserve6.2% |
| Travel · portal | Sapphire Reserve · Chase Travel16.4% |
| Ground transportation | World of Hyatt Credit Card3.3% |
| Gyms | World of Hyatt Credit Card3.3% |
| Flights | Sapphire Reserve8.2% |
| Hotels | Sapphire Reserve8.2% |
| Peloton | Sapphire Reserve20.5% |
| Lyft | Sapphire Reserve10.3% |
Content preview. Apple Wallet controls the layout; visible categories vary by device. Categories that rank the same as Everything else are left off; every other category is in pass details.
Every category, every card
Everything else
- Sapphire Reserve — 2.1%
- World of Hyatt Credit Card — 1.7%
Dining
- Sapphire Reserve — 6.2%
- World of Hyatt Credit Card — 3.3%
Travel · portal
- Sapphire Reserve · Chase Travel — 16.4%
Ground transportation
- World of Hyatt Credit Card — 3.3%
- Sapphire Reserve — 2.1%
Gyms
- World of Hyatt Credit Card — 3.3%
- Sapphire Reserve — 2.1%
Flights
- Sapphire Reserve — 8.2%
- World of Hyatt Credit Card — 3.3%
Hotels
- Sapphire Reserve — 8.2%
- World of Hyatt Credit Card — 6.6%
Peloton
- Sapphire Reserve — 20.5%
- World of Hyatt Credit Card — 1.7%
Lyft
- Sapphire Reserve — 10.3%
- World of Hyatt Credit Card — 3.3%
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