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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!
Editor’s Note: Some of the offers below may have expired or are no longer available on our site.
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.
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.
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
Chase Sapphire Preferred® Card
- Earn 80,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $1,000 when you redeem through Chase Ultimate Rewards®. Plus earn up to $50 in statement credits towards grocery store purchases within your first year of account opening.
- Earn 2X points on dining including eligible delivery services, takeout and dining out and travel. Plus, earn 1 point per dollar spent on all other purchases.
- Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 80,000 points are worth $1,000 toward travel.
- With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
- Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
- Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
- Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
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Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities.