Spark 1.5% Cash Select vs World of Hyatt Business

Spark 1.5% Cash Select
$0/yr
7.0/10
VS

World of Hyatt Business
$199/yr
6.0/10
Quick Answer
Spark 1.5% Cash Select charges no annual fee with 1X base rewards. World of Hyatt Business charges $199/yr with 1X base rewards. Spark 1.5% Cash Select offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
Apply for Spark 1.5% Cash Select →
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Winner by Category
Annual Fees
Spark 1.5% Cash Select
Lower annual fee ($0 vs $199)
Rewards Earning
World of Hyatt Business
5 earning categories
Benefits & Protection
Spark 1.5% Cash Select
0 benefits vs 0
Statement Credits
World of Hyatt Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Spark 1.5% Cash Select wins for most people
The $199 fee difference is hard to justify unless you maximize premium benefits.
Apply for Spark 1.5% Cash SelectPREMIUM 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
Spark 1.5% Cash Select
| Everything | 1.5X |
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 |