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Blue Cash Preferred® Card from American Express vs The World of Hyatt Credit Card
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and The World of Hyatt Credit Card. We will explore the key features, rewards, and benefits of each card to assist in making an informed choice.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals looking to maximize cash back on everyday purchases, particularly at supermarkets and streaming services. With a strong rewards structure and a low introductory annual fee, it is ideal for families and frequent shoppers.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is targeted towards travelers who frequently stay at Hyatt hotels. It offers valuable benefits such as bonus points for Hyatt stays, complimentary status, and annual free nights, making it a great choice for Hyatt loyalists and frequent travelers.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card from American Express | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95. | $95 |
| Welcome Bonus | $250 statement credit after spending $3,000 in first 6 months. | Up to 60,000 Bonus Points (30,000 after $3,000 in first 3 months). |
| Rewards Structure | 6% at U.S. supermarkets, 6% on select streaming, 3% on transit & gas, 1% on other purchases. | Up to 9 points at Hyatt, 2 points at restaurants, airlines, transit, and fitness memberships. |
| Foreign Transaction Fee | None | None |
| Other Fees | Plan fees may apply after 12 months. | None specified. |
| Additional Benefits | $84 Disney Bundle Credit, cash back as Reward Dollars. | Free night at Category 1-4 hotels, Discoverist status. |
Rewards Highlights
Blue Cash Preferred® Card from American Express
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
- 6% Cash Back on select U.S. streaming subscriptions.
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more.
- 3% Cash Back at U.S. gas stations.
- 1% Cash Back on other purchases.
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
Blue Cash Preferred® Card from American Express
- Pros:
- High cash back on everyday spending categories.
- Attractive welcome bonus.
- No foreign transaction fee.
- Cons:
- Annual fee after the first year.
- Cash back is in the form of Reward Dollars, not cash.
The World of Hyatt Credit Card
- Pros:
- Generous rewards for Hyatt stays.
- Complimentary Discoverist status.
- Annual free night benefit.
- Cons:
- Annual fee applies immediately.
- Best suited for Hyatt loyalists.
Who Should Consider Which Card?
- Blue Cash Preferred® Card from American Express: Ideal for users who spend heavily on groceries and streaming services, looking for high cash back on everyday purchases.
- The World of Hyatt Credit Card: Best for frequent travelers who often stay at Hyatt hotels and want to maximize their rewards and benefits related to hotel stays.
Conclusion
When choosing between the Blue Cash Preferred® Card from American Express and The World of Hyatt Credit Card, consider your individual spending habits and travel preferences. Each card offers unique benefits that cater to different lifestyles, making it essential to choose one that aligns with your financial goals.