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Chase offers two great ways to earn tons of points and rewards with the IHG® Rewards Club Select Credit Card and the Hyatt Visa. The latest offers and perks make both cards worth considering, so let’s compare the options and see if one of these is right for you!
IHG Rewards Club Visa
Right now, the IHG® Rewards Club Select Credit Card has a sign on bonus of 70,000 points, which are awarded when you spend only $1,000 in the first three months that you have the card. This is a nice bonus for a low minimum spending requirement.
(some people have a targeted offer of 80,000 points)
70,000 IHG points is enough for two nights at the top end Intercontinental in Miami. You can also stretch out your IHG points by redeeming them for cash & points stays. But the best IHG redemption value is redeeming them for Pointbreaks hotels, which are only 5,000 points a night! That’s killer.
The IHG Rewards Club card has an annual fee of only $49 (waived for the first year), which is lower than just about any other travel rewards credit card out there today, so you have nothing to lose. This becomes especially true when you learn that you earn one free night at any IHG hotel each year, just for paying that annual fee. Incredible value. That’s a very nice hotel room for only $49, even if you never use the card for anything else! Who wouldn’t want a free night at the Intercontinental Willard in Washington DC? The list of IHG hotels that you can redeem your points at is extensive. You can read my previous post on where to burn your IHG points for some examples.
Cardholders will earn 5 points for every dollar spent at IHG hotels, 2 points for every dollar spent on gas, groceries, and restaurants, and one point for every dollar in other categories. This means you can build up a nice balance of points, and pretty quickly. When you redeem the points, you get a 10% bonus rebate for the amount of points used. Getting 10% off every redemption is a HUGE perk.
The IHG card also gives its card members instant Platinum status with IHG. Platinum status with IHG isn’t the best hotel elite status out there, but it’s better than nothing. Platinum members will receive 50% bonus points on top of base points on hotel stays, possible room upgrade, priority check in/check out, and extended checkout. You can read more about all of the Platinum benefits here.
The IHG Rewards Club Visa has an APR of 15.99% for purchases and balance transfers. The cash advance APR is 19.24%. Penalty APRs of up to 29.99% apply if you do not make your payments as agreed. There are also no foreign transaction fees.
Hyatt Visa [Expired]
The best benefit of the Hyatt Visa is the perk of getting two free nights after spending only $1,000 in the first three months that you have the card. Two free nights at a Hyatt property can be extremely valuable. For example, you could redeem your two nights at the Park Hyatt in Tokyo, which easily runs over $500 a night. I do love Park Hyatts, but my favorite Hyatt brand is the boutique Andaz locations. We have enjoyed many stays at Andaz properties, and they are a good use of your two free nights.
On top of the nice sign-up bonus, cardholders earn 3 Gold Passport points for every dollar spent at Hyatt properties, 2 points for every dollar spent on dining, flights, and car rentals, and one point for every dollar spent in all other categories. There is no limit for point earnings.
Another benefit I love is that cardholders get an extra free night on their anniversary date of being a cardholder, as long as the account is in good standing, and they pay the annual fee of $75 (waived for the first year). The annual free certificate is good for a category 1-4 Hyatt property. Seattle has two category 4 Hyatt properties where you could redeem your free night.
The Hyatt Visa also comes with mid-tier Platinum status, which comes with wifi, 15% point bonus, priority check in/check out, and extended checkout. You can also receive 2 stay credits and 5-night credits toward Diamond status upon spending $20,000 in each calendar year or receive an additional 3 stay credits and 5-night credits toward Diamond status upon spending $40,000 in each calendar year.
The Hyatt Visa has an annual APR of 15.99% on purchases and balance transfers. Cash advance APRs is 19.24%. Penalty APRs are up to 29.99%. There is no annual fee for the first year, and then the annual fee will be $75. There are no foreign transaction fees for the Hyatt Visa. The Hyatt Visa is chip-enabled, to protect your security and your personal information.
Conclusion IHG Rewards Club vs Hyatt Visa
It’s worth mentioning that both Chase issued hotel cards are transfer partners of the Ultimate Rewards program. That means you can transwer in your UR points earned from the Chase Sapphire Preferred® Card or Ink card to top off your accounts.
Both the IHG and Hyatt cards offer a free night each year when you pay your annual fee. The IHG has a lower annual fee, and doesn’t have a category restriction on its free annual certificate, but both are great deals.
Both cards offer great sign-up bonuses as well. The IHG has a limited time offer of 70,000 points, and the Hyatt Visa has two free nights. I don’t think that Hyatt will be changing its offer anytime soon, but the IHG will eventually lower its offer. I prefer the two free nights offer on the Hyatt Visa, though.
I like that the IHG has a 10% rebate, which is a great perk.
Both the IHG Rewards Club Visa and the Hyatt Visa offer great benefits and are worth having, in my opinion. Paying the annual fee is worth it for the free night certificates and the different perks they provide.
Basically, you can’t go wrong with either of these choices from Chase. I’ve had both of them. :)
Link: IHG® Rewards Club Select Credit Card
Link: Hyatt Visa
- Why I regret canceling my IHG card
- Chase Freedom or Chase Sapphire Preferred
- Sapphire Preferred or Capital One Venture
- My review of the Grand Hyatt in Singapore
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