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Capital One Savor Cash Rewards Credit Card vs The World of Hyatt Credit Card
This comparison aims to provide a detailed overview of the Capital One Savor Cash Rewards Credit Card and The World of Hyatt Credit Card. By highlighting their features, benefits, and potential drawbacks, we hope to assist you in deciding which card best aligns with your spending habits and financial goals.
Capital One Savor Cash Rewards Credit Card
The Capital One Savor Cash Rewards Credit Card is designed for individuals who frequently dine out, enjoy entertainment, and want to earn cash back on everyday purchases. With a $0 annual fee and a robust cash back structure, it offers rewards tailored for foodies and entertainment enthusiasts.
The World of Hyatt Credit Card
The World of Hyatt Credit Card caters primarily to travelers and Hyatt loyalists, providing significant value for those who frequently stay at Hyatt properties. With a $95 annual fee, this card offers a range of travel-related benefits, including bonus points for Hyatt stays and complimentary hotel status.
Detailed Feature Comparison
| Feature | Capital One Savor Cash Rewards Credit Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | $200 cash bonus after spending $500 in the first 3 months | Up to 60,000 Bonus Points based on spending |
| Rewards Structure | 3% cash back at grocery stores, dining, entertainment, and streaming; 1% on all other purchases | Up to 9 points per $1 at Hyatt, 2 points at restaurants, and other specified categories |
| Foreign Transaction Fee | No | No |
| Other Fees | Balance transfer fee applies | None specified |
| Additional Benefits | No expiration on cash back, cash back on Capital One Entertainment | Free night annual benefit, complimentary Discoverist status |
Rewards Highlights
World of Hyatt Credit Card
- 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
Capital One Savor Cash Rewards Credit Card
- 8% Cash Back on Capital One Entertainment purchases
- 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- 3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
- 1% Cash Back on all other purchases
Pros and Cons
Capital One Savor Cash Rewards Credit Card
- Pros:
- No annual fee
- High cash back rates on dining and entertainment
- Flexible redemption options
- Cons:
- Cash back is not as beneficial for travel-related expenses
- Balance transfer fee applies
The World of Hyatt Credit Card
- Pros:
- Strong rewards for Hyatt stays
- Annual free night benefit
- Complimentary hotel status
- Cons:
- Annual fee of $95
- More beneficial for frequent Hyatt guests
Who Should Consider Which Card?
- The Capital One Savor Cash Rewards Credit Card is ideal for users who frequently dine out, enjoy entertainment activities, and prefer cash back rewards without an annual fee.
- The World of Hyatt Credit Card is best suited for travelers who often stay at Hyatt hotels and want to earn points towards free nights and enjoy additional travel-related perks.
Conclusion
When choosing between the Capital One Savor Cash Rewards Credit Card and The World of Hyatt Credit Card, consider your individual spending habits and financial goals. Whether you prioritize cash back on everyday purchases or rewards for hotel stays, each card offers unique benefits that can cater to your lifestyle.