Spark 2% Cash Plus vs World of Hyatt Business
Spark 2% Cash Plus
$150/yr
6.0/10
VS
World of Hyatt Business
$199/yr
6.0/10
Quick Answer
Spark 2% Cash Plus charges $150/yr with 1X base rewards. World of Hyatt Business charges $199/yr with 1X base rewards. Spark 2% Cash Plus 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
Spark 2% Cash Plus
Lower annual fee ($150 vs $199)
Rewards Earning
World of Hyatt Business
5 earning categories
Benefits & Protection
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Visit each card's review for full benefits list
Statement Credits
World of Hyatt Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Spark 2% Cash Plus wins for most people
The $49 fee difference is hard to justify unless you maximize premium benefits.
Apply for Spark 2% Cash PlusPREMIUM 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 2% Cash Plus
| Everything | 2.0X |
| Hotels & rental cars (Capital One Travel) | 5.0X |
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 |