Sapphire Preferred vs World of Hyatt Business
Sapphire Preferred
$95/yr
8.0/10
VS
World of Hyatt Business
$199/yr
6.0/10
Quick Answer
Sapphire Preferred charges $95/yr with 1X base rewards. World of Hyatt Business charges $199/yr with 1X base rewards. Sapphire Preferred 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
Sapphire Preferred
Lower annual fee ($95 vs $199)
Rewards Earning
Sapphire Preferred
6 earning categories
Benefits & Protection
Sapphire Preferred
6 benefits vs 0
Statement Credits
Sapphire Preferred
$170 in annual credits
Flexibility
Sapphire Preferred
Transferable points to airline/hotel partners
OUR PICK
Sapphire Preferred wins for most people
The $104 fee difference is hard to justify unless you maximize premium benefits.
Apply for Sapphire PreferredPREMIUM PICK
World of Hyatt Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for World of Hyatt BusinessRewards Earning: Detailed Comparison
Sapphire Preferred
| Travel via Chase Portal | 5.0X |
| Dining | 3.0X |
| Online Grocery | 3.0X |
| Streaming | 3.0X |
| Other Travel | 2.0X |
| Everything Else | 1.0X |
World of Hyatt Business
| Hyatt hotels (4 base + 5 bonus) | 9.0X |
| Dining | 2.0X |
| Airline tickets (direct) | 2.0X |
| Local transit & commuting | 2.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Sapphire Preferred (6 benefits)
- Trip Cancellation Insurance (up to $10,000)
- Trip Delay Reimbursement (up to $500)
- Baggage Delay Insurance (up to $100)
- Rental Car Collision Damage Waiver
- Purchase Protection (up to $500)
- Extended Warranty Protection (up to $10,000)
World of Hyatt Business (0 benefits)
See full review for benefits details.