Chase United Explorer Card vs World of Hyatt Credit Card
Both are Chase cards. Here is every spend category, ranked by what each card actually returns.
Everything else
- World of Hyatt Credit Card 1.7% 1x base rate
- United Explorer Card 1.2% 1x base rate
Dining
- World of Hyatt Credit Card 3.3% 2x
- United Explorer Card 2.4% 2x
Ground transportation
- World of Hyatt Credit Card 3.3% 2x
- United Explorer Card 1.2% 1x base rate
Gyms
- World of Hyatt Credit Card 3.3% 2x
- United Explorer Card 1.2% 1x base rate
Flights
- United Explorer Card 3.6% 3x
- World of Hyatt Credit Card 3.3% 2x
Hotels
- World of Hyatt Credit Card 6.6% 4x
- United Explorer Card 2.4% 2x
What the numbers are doing
World of Hyatt Credit Card tops everything else at 1.7% only because this table values its points at 1.65 cents each. Value them at one cent and United Explorer Card wins that category instead.
The table is earn rate only — annual fees are not netted out of it. These cards charge United Explorer Card $150 and World of Hyatt Credit Card $95 a year, so a thin lead in one category may not cover the difference.
Where they differ: World of Hyatt Credit Card takes everything else, dining, ground transportation and gyms, plus 1 more; United Explorer Card takes flights.
| Category | Best card |
|---|---|
| Everything else | World of Hyatt Credit Card1.7% |
| Dining | World of Hyatt Credit Card3.3% |
| Ground transportation | World of Hyatt Credit Card3.3% |
| Gyms | World of Hyatt Credit Card3.3% |
| Flights | United Explorer Card3.6% |
| Hotels | World of Hyatt Credit Card6.6% |
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
- World of Hyatt Credit Card — 1.7%
- United Explorer Card — 1.2%
Dining
- World of Hyatt Credit Card — 3.3%
- United Explorer Card — 2.4%
Ground transportation
- World of Hyatt Credit Card — 3.3%
- United Explorer Card — 1.2%
Gyms
- World of Hyatt Credit Card — 3.3%
- United Explorer Card — 1.2%
Flights
- United Explorer Card — 3.6%
- World of Hyatt Credit Card — 3.3%
Hotels
- World of Hyatt Credit Card — 6.6%
- United Explorer Card — 2.4%
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