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American Express® Gold Card vs The World of Hyatt Credit Card
This comparison aims to assist you in deciding between the American Express® Gold Card and The World of Hyatt Credit Card. Both cards offer unique benefits and rewards structures that cater to different spending habits and lifestyles.
Card Overviews
American Express® Gold Card
The American Express® Gold Card is ideal for food enthusiasts and travelers. With a high rewards rate on dining and groceries, it appeals to those who spend significantly in these categories. Additionally, it offers various credits that can enhance your dining experience.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is tailored for avid travelers who frequently stay at Hyatt hotels. It provides substantial rewards for Hyatt stays and offers benefits that enhance the Hyatt experience, making it perfect for those loyal to the Hyatt brand.
Detailed Feature Comparison
| Feature | American Express® Gold Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $325 | $95 |
| Welcome Bonus | 60,000 Membership Rewards® Points after spending $6,000 in first 6 months | Up to 60,000 Bonus Points after spending $3,000 in first 3 months |
| Rewards Structure | 4X at restaurants and supermarkets, 3X on flights, 2X on prepaid hotels, 1X on all other purchases | Up to 9 points for Hyatt stays, 2 points for restaurants and other specified categories |
| Foreign Transaction Fee | No | No |
| Other Fees | Varies | Varies |
| Additional Benefits | Dining credits, Uber Cash, and hotel collection benefits | Free night each year, Discoverist status, and tier qualifying night credits |
Rewards Highlights
American Express® Gold Card Rewards
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
The World of Hyatt Credit Card Rewards
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member.
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.
Pros and Cons
American Express® Gold Card Pros
- High rewards on dining and supermarkets.
- Various dining and travel credits.
- No foreign transaction fees.
American Express® Gold Card Cons
- Higher annual fee compared to some alternatives.
- Limited to American Express acceptance locations.
The World of Hyatt Credit Card Pros
- Lower annual fee.
- Substantial benefits for Hyatt loyalists.
- Complimentary World of Hyatt Discoverist status.
The World of Hyatt Credit Card Cons
- Rewards mostly beneficial for Hyatt stays.
- Less versatile rewards structure compared to other cards.
Who Should Consider Which Card?
Consider the American Express® Gold Card if you:
- Spend heavily on dining and groceries.
- Value travel and dining credits that can offset the annual fee.
Consider The World of Hyatt Credit Card if you:
- Frequently stay at Hyatt hotels and want to earn rewards for those stays.
- Prefer lower annual fees and benefits specifically tied to hotel loyalty.
Conclusion
Ultimately, your choice between the American Express® Gold Card and The World of Hyatt Credit Card should be based on your individual needs, spending patterns, and loyalty to dining or hotel brands. Assess your priorities and select the card that best aligns with your financial goals.