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Card vs Card Comparison

Amex Gold
vs
World of Hyatt Credit Card.

Updated

Two cards, head-to-head. We break down earning rates, perks, transfer partners, and the real scenarios where each one wins.

American Express

Amex Gold

Annual fee

$325

Points

Membership Rewards

Signup bonus

60K points after $6K in 6 months

Top earning rates

  • →4x on restaurants worldwide
  • →4x on US supermarkets (up to $25K per year)
  • →3x on flights booked direct or on Amex Travel

Top perks

  • →$120 Uber Cash ($10 per month)
  • →$120 dining credit ($10 per month at select partners)
  • →$84 Dunkin' credit
See Amex Gold detailsarrow_forward

Chase

World of Hyatt Credit Card

Annual fee

$95

Points

World of Hyatt

Signup bonus

30K points after $3K in 3 months plus 30K after $6K total

Top earning rates

  • →4x at Hyatt properties
  • →2x on dining, flights, and transit
  • →1x on everything else

Top perks

  • →Free Category 1 to 4 night annually (worth $250 to $400 in peak season)
  • →Discoverist mid-tier elite status
  • →5 elite-night credits each year that count toward Globalist
See World of Hyatt Credit Card detailsarrow_forward

The verdict

When each card wins.

Amex Gold wins if

Pick this if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop.

Honest downside: Credits split into monthly buckets that you forfeit if you miss a month.

World of Hyatt Credit Card wins if

Pick this if you stay at Hyatt even occasionally. The free annual night plus elite-night credits make it an obvious keep at $95.

Honest downside: Hyatt has fewer properties than Marriott or Hilton, especially outside North America and Europe.

At a glance

Side-by-side spec sheet.

SpecAmex GoldWorld of Hyatt Credit Card
Annual fee$325$95
Points currencyMembership RewardsWorld of Hyatt
Signup bonus60K points30K points
Top earn category4x on restaurants worldwide4x at Hyatt properties
Second earn category4x on US supermarkets (up to $25K per year)2x on dining, flights, and transit
Third earn category3x on flights booked direct or on Amex Travel1x on everything else
Signature perk$120 Uber Cash ($10 per month)Free Category 1 to 4 night annually (worth $250 to $400 in peak season)
IssuerAmerican ExpressChase

Questions

Frequently asked.

Which is better, Amex Gold or World of Hyatt Credit Card?

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Amex Gold wins if you spend heavily on restaurants and US groceries and will use the monthly credits as they drop. World of Hyatt Credit Card wins if you stay at Hyatt even occasionally. The free annual night plus elite-night credits make it an obvious keep at $95.

Can I have both the Amex Gold and the World of Hyatt Credit Card?

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Yes. These are issued by different banks (American Express and Chase), so they don't conflict on application rules. Many travelers carry both to stack the strongest benefits from each card's ecosystem.

Which has the higher annual fee, Amex Gold or World of Hyatt Credit Card?

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Amex Gold has the higher annual fee at $325, compared to $95 for World of Hyatt Credit Card. Whether the pricier card is worth the difference depends on which credits and perks you use each year.