Rakuten vs World of Hyatt
Rakuten
$0/yr
7.0/10
VS
World of Hyatt
$95/yr
6.5/10
Quick Answer
Rakuten charges no annual fee with 1X base rewards. World of Hyatt charges $95/yr with 1X base rewards. Rakuten offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Rakuten
Lower annual fee ($0 vs $95)
Rewards Earning
World of Hyatt
6 earning categories
Benefits & Protection
Rakuten
0 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Rakuten wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for RakutenPREMIUM PICK
World of Hyatt wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for World of HyattRewards Earning: Detailed Comparison
Rakuten
| Rakuten partner stores | 3.0X |
| Everything else | 1.0X |
World of Hyatt
| Hyatt properties (4 base + 5 bonus) | 9.0X |
| Dining | 2.0X |
| Airline tickets (direct) | 2.0X |
| Local transit & commuting | 2.0X |
| Fitness clubs & gym memberships | 2.0X |
| Everything else | 1.0X |