COMPARE YOUR OPTIONS
A closer look, side by side.
Fees, rewards, and benefits — with room to see the differences.
Chase remove | |
|---|---|
| Annual fee | $199 |
| Foreign txn fee | 0% |
| Rewards | World of Hyatt |
| Credits (realistic / face) | $100 / $100 |
| Earning by category | |
| Everything else | 1.7% 1x Hyatt pts |
| Dining & restaurants | 3.4% 2x Hyatt pts |
| Food delivery apps | 3.4% 2x Hyatt pts |
| Airfare (booked direct) | 3.4% 2x Hyatt pts |
| Rental cars | 3.4% 2x Hyatt pts |
| Gyms & fitness | 3.4% 2x Hyatt pts |
| Protections | |
| rental car | primary |
| cell phone | Not included |
| purchase protection | 120 days (90 for NY residents), up to $10,000 per item / $50,000 per account |
| extended warranty | +1 year on U.S. manufacturer warranties of 3 years or less, up to 4 years total (HelloSafe: $10,000 per item) |
| trip cancellation | Up to $1,500 per covered traveler / $6,000 per trip |
| trip delay | Conflicting: not listed on Chase's card or travel-benefits pages, and Upgraded Points does not list it; HelloSafe (2026-06) lists $500 per person after 12 hours |
| baggage delay | Conflicting: not listed on Chase's card or travel-benefits pages, and Upgraded Points does not list it; HelloSafe (2026-06) lists $100/day up to 5 days after 6 hours |
| return protection | — |
| Benefits | |
| Hotel elite status | ✓ World of Hyatt Discoverist status (you + up to 5 employees) |
| Other | ✓ 5 Tier-Qualifying Night credits per $10,000 spent |
| Complimentary membership (Walmart+, DashPass, Instacart+, Lyft Pink, Apple TV+, etc.) | ✓ DoorDash DashPass (12 months) + $10 quarterly DoorDash discount |
| No foreign transaction fees | ✓ No foreign transaction fees |
| Primary rental car collision coverage | ✓ Primary auto rental CDW for business rentals |
| Trip cancellation / interruption insurance | ✓ Trip cancellation / interruption insurance |
| Purchase protection | ✓ Purchase protection |
| Extended warranty | ✓ Extended warranty |
| Roadside assistance | ✓ Roadside dispatch (pay-per-use) |
| Lost luggage reimbursement | ✓ Lost luggage reimbursement (HelloSafe only) |
| Travel accident insurance | ✓ Travel accident insurance (HelloSafe only) |