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TPG reader Talissa emailed me to ask:

“Which card would be better to use for the “cash” portion of Hyatt’s “points + cash” option: the Chase Sapphire Preferred (2X points on travel) or Hyatt’s own credit card?”

The Chase Sapphire Preferred card and the Chase Hyatt Visa each have their own sets of benefits for hotel spending. So which one is better for Hyatt purchases? The answer depends on how you value different loyalty points. The Hyatt card gives you three points per dollar spent on Hyatt Purchases, so if you strictly want to earn Hyatt Gold Passport points, the Hyatt card is the easy answer.

While you only get two points per dollar spent on Hyatt purchases with the Sapphire Preferred (since it earns double points on travel), Ultimate Rewards points are more flexible and more valuable. You can transfer them to other airline and hotel partners, or redeem them at 1.25 cents apiece for travel. If you were grandfathered into the 7% annual dividend (meaning you got the card earlier this year while that benefit was still offered), then you’re really earning 2.14 Ultimate Rewards points per dollar spent versus three Hyatt points per dollar spent on the Hyatt Visa.

The Chase Sapphire Preferred vs. the Hyatt Visa for Hyatt stays...which is better? Photo courtesy of Shutterstock.
The Chase Sapphire Preferred or the Hyatt Visa: which is better? Photo courtesy of Shutterstock.

So, if you only plan on using the points for Hyatt stays, then the Hyatt Visa is clearly the best option. If you’d prefer to keep your options open and have flexibility, which I usually advise, then you may want to use the Chase Sapphire Preferred card. Really it all depends on your personal situation and how you’d like to use the points. Once you decide that, it should be clear which card works better for you.

If you have any other questions, please tweet me @thepointsguy, message me on Facebook, or send me an email at

Chase Sapphire Preferred® Card

With great transfer partners like United and Hyatt, 2x points on travel & dining and a 50,000 point sign up bonus, the Chase Sapphire Preferred is a great card for those looking to get into the points and miles game.

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More Things to Know
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Named Best Credit Card for Flexible Travel Redemption - Kiplinger's Personal Finance, July 2016
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Intro APR on Purchases
Regular APR
16.49% - 23.49% Variable
Annual Fee
Introductory Annual Fee of $0 the first year, then $95
Balance Transfer Fee
Recommended Credit
Excellent Credit

Editorial Disclaimer: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.