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Capital One Spark Cash vs The World of Hyatt Credit Card
This comparison aims to help you decide between the Capital One Spark Cash and The World of Hyatt Credit Card. Both cards offer unique benefits tailored to different spending habits and preferences. Below, we will explore their key features, rewards structures, and more to assist you in making an informed choice.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses that want to earn straightforward cash back. With its unlimited 2% cash back on every purchase, this card is ideal for those who prefer simplicity and flexibility in their rewards program.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is tailored for frequent travelers, especially those who stay at Hyatt hotels. This card offers a variety of rewards and benefits aimed at enhancing your travel experience, including bonus points for Hyatt stays and complimentary hotel status.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $95 |
| Welcome Bonus | Earn $750 cash back once you spend $7,500 in the first 3 months | Up to 60,000 Bonus Points |
| Rewards Structure | 2% cash back on every purchase | Up to 9 points per $1 spent at Hyatt hotels; 2 points at restaurants and other selected categories |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Free employee cards, unlimited rewards that don’t expire | Free night award, complimentary Discoverist status |
Rewards Highlights
Capital One Spark Cash
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
The 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
Pros and Cons
Capital One Spark Cash
- Pros:
- Unlimited 2% cash back on all purchases
- No foreign transaction fees
- Free employee cards
- Simple rewards structure
- Cons:
- Annual fee after the first year
- Welcome bonus requires significant spending
The World of Hyatt Credit Card
- Pros:
- Generous welcome bonus
- Complimentary Discoverist status
- Free night every year at a Category 1-4 hotel
- Cons:
- Annual fee applies
- Rewards are more beneficial for Hyatt loyalists
Who Should Consider Which Card?
- Capital One Spark Cash: Ideal for business owners and individuals who prefer a straightforward cash back approach without category restrictions. Best for those who want to maximize cash back on all purchases.
- The World of Hyatt Credit Card: Best suited for frequent travelers who often stay at Hyatt properties and wish to earn points towards hotel stays and enjoy travel-related benefits.
Conclusion
Both the Capital One Spark Cash and The World of Hyatt Credit Card offer valuable rewards tailored to different users. Consider your individual spending patterns and financial goals to determine which card aligns best with your needs.