Chase Hyatt or The Ritz-Carlton Credit Card?

Chase Hyatt returns $95 over its fee and The Ritz-Carlton Credit Card returns $120, so the fee difference comes down to which categories you use.

Chase HyattChase · $95 fee · 0 credits

The Ritz-Carlton Credit CardChase · $450 fee · 2 credits

NET VALUE-$95$0 credits

NET VALUE-$120$330 credits

CATEGORY	HYATT	THE RITZ-CARLTON CREDIT CARD
🌎Travel	—	$300
Hotel Free Night Certificates	Hyatt Cat 1-4 Free Night	Marriott 85k Free Night
Lounge Access	—	Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)
Total credits	$0	$330
Annual fee	$95	$450
Net value	-$95	-$120

BEST NET VALUE

CHASEChase Hyatt

FEE$95

CREDITS$0

NET-$95

Category wins0 of 1

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

Hyatt Cat 1-4 Free Night

CHASEThe Ritz-Carlton Credit Card

FEE$450

CREDITS$330

NET-$120

Category wins1 of 1

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

Marriott 85k Free Night

LOUNGE ACCESS

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

TAKE THE THE RITZ-CARLTON CREDIT CARD IF

You use travel. Travel alone is worth $300 here and nothing on the Hyatt.

Where to use each card

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THE RITZ-CARLTON CREDIT CARD

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Frequently asked questions

Which is better, Chase Hyatt or The Ritz-Carlton Credit Card?

The Chase Hyatt is better with -$95 net annual value compared to the Ritz-Carlton Credit Card at -$120. The Chase Hyatt wins by $25/year.

What's the difference between Chase Hyatt and The Ritz-Carlton Credit Card?

The key differences: The Ritz-Carlton Credit Card has a $450 annual fee and $330 in annual benefits, while Chase Hyatt has a $95 annual fee and $0 in annual benefits. The annual fee difference is $355.

Which has a lower annual fee, Chase Hyatt or The Ritz-Carlton Credit Card?

The Chase Hyatt has a lower annual fee at $95 compared to the Ritz-Carlton Credit Card at $450. However, the Ritz-Carlton Credit Card offers $330 in total annual benefits.

Is the Chase Hyatt worth it compared to the Ritz-Carlton Credit Card?

Yes, the Chase Hyatt offers better value with -$95 net annual value compared to -$120 for the Ritz-Carlton Credit Card. It also has a lower annual fee.

Which card is better for travel?

The Ritz-Carlton Credit Card is better for travel with $300 in annual travel benefits compared to $0 for the Chase Hyatt.

Should I get the Chase Hyatt?

If you're deciding between the Chase Hyatt and The Ritz-Carlton Credit Card, the Chase Hyatt is the better choice with -$95 net annual value. However, make sure you can use the key benefits to maximize value. Compare the full benefit breakdown to see which fits your spending better.