World of Hyatt vs Bank of America Travel Rewards: Which Is Better In 2025?

Bank of America® Travel Rewards Breakdown

‍

[[ SINGLE_CARD * {"id": "190", "isExpanded": "false", "bestForCategoryId": "15", "bestForText": "Occasional Travelers", "headerHint": "Decent Choice"} ]]

‍

Why We Like It

‍

Here’s a quick look at what makes the Bank of America® Travel Rewards card a solid choice for many travelers.

‍

• This card is a cost-effective option as it has no annual fee and no foreign transaction fees (See Rates & Fees).
• You'll earn a simple, flat rate of 1.5 points per dollar on every purchase, with no need to track complicated bonus categories.
• You can break even on the initial spending requirement by putting $1,000 on the card in the first 90 days to earn $250 in travel credits (publisher-formulated estimate).

‍

Pros

‍

• You can redeem points as a statement credit for a wide variety of travel and dining purchases, giving you the freedom to book how you want.
• The rewards program is straightforward, earning you points on every purchase without needing to track bonus categories or spending caps.
• As a Visa Signature card, it offers wide acceptance for both domestic and international travel.

‍

Cons

‍

• The rewards rate is modest, and there are no bonus categories to accelerate earnings on travel or dining spending.
• It lacks premium travel benefits like airport lounge access or the ability to transfer points to airline and hotel partners, a common complaint among travel enthusiasts.
• The card’s highest earning potential is reserved for Bank of America Preferred Rewards members, limiting its value for other cardholders.

Bank of America® Travel Rewards vs World of Hyatt

‍

Categories

‍

Deciding which is better, World of Hyatt or Bank of America Travel Rewards, depends entirely on your travel habits and goals. This comparison breaks down who each card is best for to help you choose the right fit for your wallet.

‍

• The World of Hyatt Credit Card - This card is built for frequent travelers, particularly those loyal to Hyatt hotels who want to earn elite status and enjoy valuable hotel-specific perks. It's ideal for consumers looking to maximize rewards within a specific hotel ecosystem.
• Bank of America® Travel Rewards Credit Card - This card is a strong choice for beginners, occasional travelers, and those who prefer a simple, flat-rate rewards structure. It offers flexibility for redeeming points against a wide range of travel and dining purchases without being tied to a single brand.

‍

Redemption

‍

The World of Hyatt Credit Card: Points are most valuable when redeemed for stays at Hyatt hotels and resorts. You can also transfer points to various airline and travel partners.

‍

Bank of America® Travel Rewards Credit Card: Points can be redeemed as a statement credit to cover a wide range of travel and dining purchases. This flexibility allows you to book travel however you want and then apply your rewards to offset the cost.

‍

Travel Perks

‍

• Foreign Transaction Fees: Both cards are excellent choices for international travel, as neither charges foreign transaction fees on purchases made abroad.
• Booking Flexibility: The World of Hyatt card centers its value within the Hyatt ecosystem, offering high-value redemptions for hotel stays and transfers to airline partners. The Bank of America® Travel Rewards card, on the other hand, offers complete flexibility, allowing you to book travel anywhere and redeem points as a statement credit against the cost.
• Elite Status: Cardholders of The World of Hyatt Credit Card automatically receive Discoverist elite status, which includes on-property benefits like premium internet and late checkout. The Bank of America card does not come with any hotel-specific elite status.
• Lounge Access: Neither card includes airport lounge access as a primary benefit. However, the elite status provided by the World of Hyatt card can grant you access to Hyatt Club lounges at select properties.

‍

Compare Top Rated Credit Cards with Kudos

‍

To make an informed decision, you can use a tool like Kudos, which allows you to compare nearly 3,000 credit cards with its data-driven card explorer.

‍

• Unlock $100 in Kickstart+ Rewards by adding select approved cards to your Kudos Wallet.
• Receive a welcome offer guarantee, where Kudos will match a better offer if you find one within three months.
• Get a detailed analysis of your approval odds based on your credit report.
• Test drive credit cards using your real spending data to see personalized projections of potential rewards before you apply.
• Track your progress toward credit card sign-up bonuses for free.
• Earn extra Kudos Boost rewards when shopping at your favorite stores.

Who Should Choose the World of Hyatt?

‍

The World of Hyatt Credit Card is a strong contender for frequent Hyatt guests and any traveler looking to fast-track their way to elite status within the loyalty program. Its benefits, including an annual free night certificate and accelerated earning on stays, are designed for those who want to maximize the value of their hotel spending. With no foreign transaction fees and the ability to add authorized users, it also appeals to international travelers and families, as detailed in our full card review.

Who Should Choose the Bank of America® Travel Rewards?

‍

This no-annual-fee travel card is an excellent choice for beginners and casual travelers who want a straightforward rewards program without complex categories. It’s particularly valuable for existing Bank of America customers, who can significantly boost their earnings through the Preferred Rewards program. Additionally, with a student version available and no foreign transaction fees, it’s a strong option for students building credit or anyone who prefers a single card for both domestic and international spending.

Alternatives to Consider

‍

If our World of Hyatt vs. Bank of America® Travel Rewards comparison didn't point you to a clear winner, that's perfectly fine. The credit card landscape is full of great alternatives that might be a better match for your specific spending habits and travel aspirations.

‍

[[ COMPARE_CARD * {"ids": ["510", "106"], "bestCategoryIds":["17", "18", "19"], "bestForTexts":["$300 Annual Travel Credit", "Serious Points on Flights"]} ]]

‍

_{Terms apply to American Express benefits and offers. Enrollment may be required for select American Express benefits and offers. Visit americanexpress.com to learn more. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.}

Tips for Application Success

‍

Before You Apply

‍

• Check your credit score - Most rewards cards require a good to excellent credit history for approval.
• Know the issuer's rules - Be aware of application restrictions like Chase's 5/24 rule before you apply.
• Have a plan for the points - Research redemption options to ensure the card's rewards align with your goals.

‍

Application Strategy

‍

• Leverage soft inquiries - Some applications let you see your offer before committing to a hard credit pull.
• Look for relationship bonuses - Issuers like Bank of America may offer better rewards to their existing banking customers.
• Time your application - Align your application with a large planned purchase to meet the spending requirement organically.

Our Methodology

‍

We evaluate nearly 3,000 credit cards across the U.S. market — far more than the ~150 cards commonly featured on sites that focus only on products tied to affiliate commissions. Our goal is to provide a comprehensive, unbiased view of the credit card landscape so you can make confident, data-driven decisions.

‍

Our editorial team combines deep industry experience with rigorous verification standards. While our experts surface the most relevant recommendations in our guides, you can also explore the full dataset yourself through our card explorer tool, which includes thousands of cards — more than 95% of which do not provide us with commissions.

Frequently Asked Questions

‍

Can I transfer Bank of America points to World of Hyatt?

‍

No, you cannot directly transfer points from the Bank of America Travel Rewards program to the World of Hyatt program. The two are separate loyalty ecosystems without a direct transfer partnership.

‍

Which program is better for infrequent travelers?

‍

For infrequent travelers, the Bank of America Travel Rewards program often provides more flexibility since points can be redeemed as a statement credit for a wide range of travel purchases. World of Hyatt points offer the best value when redeemed for hotel stays, which may be less beneficial if you don't travel often enough to accumulate a significant balance.

‍

How do I redeem Bank of America Travel Rewards points?

‍

You can redeem Bank of America Travel Rewards points through the Bank of America Travel Center for flights, hotels, and car rentals, or as a statement credit to cover travel and dining purchases made in the last 12 months.

‍