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Capital One Spark Cash Plus vs The World of Hyatt Credit Card
This comparison aims to help users decide between the Capital One Spark Cash Plus and The World of Hyatt Credit Card, focusing on their features, benefits, and suitability for different spending habits.
Card Overviews
Capital One Spark Cash Plus
The Capital One Spark Cash Plus is designed for businesses that want to maximize cash back rewards. With unlimited 2% cash back on all purchases and no preset spending limit, this card is ideal for companies with substantial expenses looking to earn rewards on every dollar spent.
The World of Hyatt Credit Card
The World of Hyatt Credit Card caters to frequent travelers, particularly those who prefer Hyatt hotels. With generous point-earning opportunities and various travel perks, this card is perfect for individuals looking to enhance their hotel stays and earn rewards while enjoying significant benefits related to Hyatt properties.
Detailed Feature Comparison
| Feature | Capital One Spark Cash Plus | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $150 | $95 |
| Welcome Bonus | $2,000 cash bonus after spending $30,000 in the first 3 months | Up to 60,000 Bonus Points after qualifying purchases |
| Rewards Structure | 2% cash back on all purchases; 5% on hotels/rental cars booked via Capital One | Up to 9 points total for Hyatt stays; 2 points on select categories |
| Foreign Transaction Fee | None | None |
| Other Fees | $150 annual fee can be waived with $150,000 annual spend | None specified |
| Additional Benefits | No preset spending limit, employee cards available | Free night each year, bonus points towards status |
Rewards Highlights
Capital One Spark Cash Plus
- $2,000 cash bonus once you spend $30,000 in the first 3 months.
- Earn an additional $2,000 cash bonus for every $500K spent during the first year.
- Earn unlimited 2% cash back on every purchase.
- 5% cash back on hotels and rental cars booked through Capital One's travel booking site.
The World of Hyatt Credit Card
- Earn up to 60,000 Bonus Points: 30,000 after spending $3,000 in the first 3 months, plus up to 30,000 more during the first 6 months.
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent 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 directly from airlines, local transit, and gym memberships.
Pros and Cons
Capital One Spark Cash Plus
- Pros:
- Unlimited 2% cash back on every purchase.
- No preset spending limit, adaptable for business needs.
- Significant welcome bonus with high initial spending.
- Cons:
- High annual fee compared to some competitors.
- Requires substantial spending to maximize benefits.
The World of Hyatt Credit Card
- Pros:
- Generous rewards structure for Hyatt stays.
- Annual free night at Category 1-4 Hyatt hotels.
- Complimentary World of Hyatt Discoverist status.
- Cons:
- Less cash back on non-Hyatt purchases.
- Annual fee may not justify rewards for infrequent travelers.
Who Should Consider Which Card?
- Capital One Spark Cash Plus: Best suited for business owners or individuals who spend significantly and want to earn cash back on all purchases without worrying about purchase categories.
- The World of Hyatt Credit Card: Ideal for frequent travelers who stay at Hyatt properties and want to earn points and enjoy travel-related benefits, such as free nights and enhanced hotel status.
Conclusion
When choosing between the Capital One Spark Cash Plus and The World of Hyatt Credit Card, consider your individual spending habits and travel preferences. Each card offers unique benefits tailored to different users, so evaluate what aligns best with your financial goals.