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Chase Hyatt Card Or Chase Marriott Card? If You Had To Pick One…

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Apply for the Chase Hyatt Visa Card Here

 

 

 

 

 

 

 

Both the Chase Marriott Rewards Premier Credit Card and the Chase Hyatt Visa have a lot of great features and I have had both cards in the past.  Currently, I have only the Marriott card.  However, if you are in the market for a new Chase hotel brand credit card, you may need to pick just one as Chase will only approve you for a card about 1x every 6 months.
Marriott Hotels
If you want both, you can call them…  you can tell them to allocate the credit limit over both cards…it may work…I have never tried.  I have only reallocated credit, when I have wanted a new card within the limiting 6 month window.  You can read here about how I have reallocated Chase credit to secure a new card. 

But lets assume for the sake of this post that you must choose one.  How you choose should be based on what is most important to you.  Lets look at some of the features of each card:

1.  Sign Up Bonus

Chase Marriott Rewards Premier Credit Card-Usually 50,000 Marriott Rewards points when you spend $1,000 in the first 3 months.  Note, there has been an 80,000 bonus point offer with a 3k spend for quite some time.  

Chase Hyatt Visa-2 free nights at ANY Hyatt property worldwide — in any category, after you spend $1,000 in the first 3 months.

Comparison

Before you base your decision on the sign-up bonus, make sure if you are leaning towards the Hyatt card, you will be able to use the Hyatt 2 free nights that expire in a year.  Rob got the card and I needed to rack my brain to find time for us to use the 2 free nights.  We almost lost them.  You can read here about what I came up with to use the nights.  Not ideal, but at least they didn’t go to waste!!!

On the other hand, if you get Marriott Rewards points as the bonus offer, 50,000-80,000 points can yield you about 2 nights at a high-end property.  Also, the points expire 2 years down the road and that period keeps getting extended as long as you have a “qualifying activity” in the prior 24 month period.  You can read more about how to keep your points from expiring here.

2.  Annual Fee

Chase Marriott Rewards Premier Credit Card

With the standard offer-$0 Introductory Annual Fee the first year, then $85

With the bonus offer-$85

Chase Hyatt Visa$0 Introductory Annual Fee the first year, then $75

Comparison

There is a negligible difference if you are comparing the standard Marriott card offer with the Hyatt card offer.  But if you get the Marriott card with the 80K bonus offer, you will need to pay the $85 fee upfront.  However, in terms of value, 80,000 Marriott points will yield you a far greater stay than $85.  In this post, you can check out what you can  do with 90,000 Marriott Rewards points and see for yourself that it is worth the $85 to get this card.

3.  Points on Spending

Chase Marriott Rewards Premier Credit Card-Earn 5 points for every $1 spent at Marriott locations, including Marriott’s luxury hotel partner, The Ritz-Carlton.  Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airline, and at car rental agencies.  Earn 1 point per $1 spent on all other purchases made with your card

Chase Hyatt Visa-Earn 3 points per $1 spent at all Hyatt properties.  Earn 2 points per $1 spent at restaurants, on airline tickets purchased directly from the airline, and at car rental agencies.  Earn 1 point per $1 spent on all other purchases made with your card.

Comparison

The cards basically have the same spending bonuses but with the Marriott Rewards card you earn 5 points per dollar at Marriott hotels versus with the Hyatt Visa,  3 points per dollar spent at Hyatt hotels.  Given the same “level” of hotel, I have found Marriott hotels to require higher point redemptions over Hyatts, so you actually need more Marriott points to redeem.  In the end, I would say its a toss up based on this factor.

4.  Extra Free Night

Chase Marriott Rewards Premier Credit Card-Receive 1 free night every year after card approval at any Category 1-5 property.

Chase Hyatt Visa-Receive 1 free night every year after your cardmember anniversary at any Category 1-4 property.

Comparison

Both categories of free nights are mid level properties.  Also both free nights expire within a year.  I think it is a toss up here too.  I had trouble using both anniversary award nights.  Read here about how I used my Hyatt one.  Read here about how I used Rob’s Marriott one.

5.  Foreign Transaction Fees

Comparison

If you are planning a trip overseas, neither card has foreign transaction fees.

Overall 

Overall, the cards to me are pretty much the same as long as you know you will use the 2 free Hyatt nights if you get the card.  If you know where you want to go with the Hyatt free nights, I would book early!  Just so you are not trying at the last minute to try to use them…..LIKE ME!

 

 

K. Roth
... I saved $700 in annual fees and scored 120,000 worth of bonus points. I also got $100 off a pair of fancy headphones and $200 worth of airline gift cards. ....
D. Cohen
I am obsessed with Cindy "The Points Mom". Today she saved me 100,000 points and $1500 booking a flight...
M. Bernaducci
A huge shout out to CINDY GREENSTEIN, aka The Points Mom, for helping me book our flights to Greece using points. Money wise it would have cost $12k. I learned so much from her! Contact her. You will not be disappointed.

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