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Blue Cash Everyday® Card from American Express vs The World of Hyatt Credit Card
This comparison aims to help you decide between the Blue Cash Everyday® Card from American Express and the The World of Hyatt Credit Card. Both cards offer unique benefits tailored to different spending habits and lifestyles, making it essential to evaluate their features closely.
Card Overviews
Blue Cash Everyday® Card from American Express
The Blue Cash Everyday® Card from American Express is designed for everyday spenders who prefer cash back rewards. With no annual fee, it offers enticing cash back categories, especially at U.S. supermarkets, gas stations, and online retailers. This card is perfect for users looking to maximize savings on everyday purchases.
The World of Hyatt Credit Card
The The World of Hyatt Credit Card caters to frequent travelers, especially those loyal to the Hyatt brand. With an annual fee, this card offers generous rewards on Hyatt stays and travel-related purchases. It's ideal for users who prioritize travel benefits and rewards that enhance their hotel experiences.
Detailed Feature Comparison
| Feature | Blue Cash Everyday® Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | $200 statement credit after $2,000 in purchases in first 6 months | Up to 60,000 Bonus Points |
| Rewards Structure | 3% Cash Back at U.S. supermarkets, online retailers, and gas stations (up to $6,000/year) | Up to 9 points total for Hyatt stays, 2 Bonus Points per $1 for restaurants, travel, and gyms |
| Foreign Transaction Fee | None | None |
| Other Fees | N/A | N/A |
| Additional Benefits | Cash back redemption for statement credit or Amazon.com | Complimentary Discoverist status, free night each year |
Rewards Highlights
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.
Blue Cash Everyday® Card Rewards
- 3% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases, then 1%.
- 3% Cash Back on U.S. online retail purchases, on up to $6,000 per year, then 1%.
- 3% Cash Back at U.S. gas stations, on up to $6,000 per year, then 1%.
- 1% Cash Back on other purchases.
Pros and Cons
Blue Cash Everyday® Card from American Express Pros and Cons
- Pros:
- No annual fee.
- High cash back rates on everyday purchases.
- Flexible redemption options.
- Cons:
- Cash back rewards may not be as valuable for travel enthusiasts.
- Limited bonus categories.
The World of Hyatt Credit Card Pros and Cons
- Pros:
- Generous rewards for Hyatt stays and travel-related purchases.
- Complimentary hotel status and free nights.
- Great for frequent travelers and Hyatt loyalists.
- Cons:
- Annual fee.
- Rewards are more beneficial for those who stay at Hyatt properties.
Who Should Consider Which Card?
Consider the Blue Cash Everyday® Card from American Express if you:
- Prefer cash back rewards over travel points.
- Spend significantly at U.S. supermarkets and gas stations.
- Want a no annual fee card.
Consider The World of Hyatt Credit Card if you:
- Travel frequently and stay at Hyatt hotels.
- Value hotel loyalty benefits and free nights.
- Are looking for a card that enhances your travel experience.
Conclusion
In summary, both the Blue Cash Everyday® Card from American Express and The World of Hyatt Credit Card offer compelling features tailored to different types of users. Assess your spending patterns and financial goals to determine which card aligns best with your lifestyle and preferences.