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Chase United Quest Card vs World of Hyatt Credit Card

Both are Chase cards. Here is every spend category, ranked by what each card actually returns.

Best card by category Card terms as of Oct 29

Everything else

  1. World of Hyatt Credit Card 1.7% 1x base rate
  2. United Quest Card 1.2% 1x base rate

Dining

  1. World of Hyatt Credit Card 3.3% 2x
  2. United Quest Card 2.4% 2x

Travel

  1. United Quest Card 2.4% 2x
  2. World of Hyatt Credit Card 1.7% 1x base rate

Ground transportation

  1. World of Hyatt Credit Card 3.3% 2x
  2. United Quest Card 1.2% 1x base rate

Streaming

  1. United Quest Card 2.4% 2x
  2. World of Hyatt Credit Card 1.7% 1x base rate

Gyms

  1. World of Hyatt Credit Card 3.3% 2x
  2. United Quest Card 1.2% 1x base rate

Flights

  1. United Quest Card 4.8% 4x
  2. World of Hyatt Credit Card 3.3% 2x

Hotels

  1. World of Hyatt Credit Card 6.6% 4x
  2. United Quest Card 2.4% 2x

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers 6.0% 5x

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 Quest Card wins that category instead.

The table is earn rate only — annual fees are not netted out of it. These cards charge United Quest Card $350 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 Quest Card takes travel, streaming and flights.

pointslipEveryday
Pass content preview
CategoryBest card
Everything elseWorld of Hyatt Credit Card1.7%
DiningWorld of Hyatt Credit Card3.3%
TravelUnited Quest Card2.4%
Ground transportationWorld of Hyatt Credit Card3.3%
StreamingUnited Quest Card2.4%
GymsWorld of Hyatt Credit Card3.3%
FlightsUnited Quest Card4.8%
HotelsWorld of Hyatt Credit Card6.6%
Hotels · portalUnited Quest Card · Renowned Hotels for United Cardmembers6.0%

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

  1. World of Hyatt Credit Card — 1.7%
  2. United Quest Card — 1.2%

Dining

  1. World of Hyatt Credit Card — 3.3%
  2. United Quest Card — 2.4%

Travel

  1. United Quest Card — 2.4%
  2. World of Hyatt Credit Card — 1.7%

Ground transportation

  1. World of Hyatt Credit Card — 3.3%
  2. United Quest Card — 1.2%

Streaming

  1. United Quest Card — 2.4%
  2. World of Hyatt Credit Card — 1.7%

Gyms

  1. World of Hyatt Credit Card — 3.3%
  2. United Quest Card — 1.2%

Flights

  1. United Quest Card — 4.8%
  2. World of Hyatt Credit Card — 3.3%

Hotels

  1. World of Hyatt Credit Card — 6.6%
  2. United Quest Card — 2.4%

Hotels · portal

  1. United Quest Card · Renowned Hotels for United Cardmembers — 6.0%
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