Chase Hyatt or Chase Sapphire Reserve?

Chase Sapphire Reserve returns $2,348 over its fee and Chase Hyatt returns $95, so the fee difference comes down to which categories you use.

Chase HyattChase · $95 fee · 0 credits

Chase Sapphire ReserveChase · $795 fee · 13 credits

NET VALUE-$95$0 credits

NET VALUE+$2,348$3,143 credits

CATEGORY	HYATT	SAPPHIRE RESERVE
🌎Travel	—	$1,050
🍽️Food & Dining	—	$840
🎭Entertainment & Media	—	$624
✨Lifestyle	—	$479
🚗Transportation	—	$120
Hotel Free Night Certificates	Hyatt Cat 1-4 Free Night	—
Lounge Access	—	Air Canada Lounge Access Chase Sapphire Lounge Access Priority Pass Select (No Restaurants)
Total credits	$0	$3,143
Annual fee	$95	$795
Net value	-$95	+$2,348

CHASEChase Hyatt

FEE$95

CREDITS$0

NET-$95

Category wins0 of 5

ADDITIONAL BENEFITS

HOTEL FREE NIGHT CERTIFICATES

Hyatt Cat 1-4 Free Night

BEST NET VALUE

CHASEChase Sapphire Reserve

FEE$795

CREDITS$3,143

NET+$2,348

Category wins5 of 5

ADDITIONAL BENEFITS

LOUNGE ACCESS

Air Canada Lounge Access

Chase Sapphire Lounge Access

Priority Pass Select (No Restaurants)

TAKE THE SAPPHIRE RESERVE IF

You use travel, food & dining, entertainment & media, or any of its 5 winning categories. Travel and Food & Dining and Entertainment & Media and Lifestyle and Transportation alone are worth $3,113 here and nothing on the Hyatt.

Where to use each card

HYATT

No partner maps yet

SAPPHIRE RESERVE

🍽️

Chase Exclusive Tables Restaurants413 LOCATIONS

Browse →

🛫

Airport Lounges48 LOCATIONS

Browse →

Track what you useAdd your card and mark the credits you collect. The calculator does the rest.

Start tracking free

Frequently asked questions

Which is better, Chase Hyatt or Chase Sapphire Reserve?

The Chase Sapphire Reserve is better with $2,348 net annual value compared to the Chase Hyatt at -$95. The Chase Sapphire Reserve wins by $2,443/year.

What's the difference between Chase Hyatt and Chase Sapphire Reserve?

The key differences: Chase Sapphire Reserve has a $795 annual fee and $3,143 in annual benefits, while Chase Hyatt has a $95 annual fee and $0 in annual benefits. The annual fee difference is $700.

Which has a lower annual fee, Chase Hyatt or Chase Sapphire Reserve?

The Chase Hyatt has a lower annual fee at $95 compared to the Chase Sapphire Reserve at $795. However, the Chase Sapphire Reserve offers $3,143 in total annual benefits.

Is the Chase Sapphire Reserve worth it compared to the Chase Hyatt?

Yes, the Chase Sapphire Reserve offers better value with $2,348 net annual value compared to -$95 for the Chase Hyatt. Even though it has a higher annual fee ($795 vs $95), the Chase Sapphire Reserve provides more total benefits.

Which card is better for travel?

The Chase Sapphire Reserve is better for travel with $1,050 in annual travel benefits compared to $0 for the Chase Hyatt.

Should I get the Chase Sapphire Reserve?

If you're deciding between the Chase Hyatt and Chase Sapphire Reserve, the Chase Sapphire Reserve is the better choice with $2,348 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.