Trek Guide
Two Chase cards under $100, each with an anniversary free night. Hyatt caps it by hotel category, IHG by points you can top up. Your chain decides.
By Bishnu Adhikari · Sep 27, 2026
Choose the World of Hyatt card if there is a Hyatt you would actually stay at, because its free night is capped by hotel category rather than points; choose the IHG One Rewards Premier if you stay with IHG brands more often, or want Platinum Elite status and…
Travel Himalaya Nepal · News
Two cards from the same bank at almost the same price, built around different hotel programmes. Do not compare the points numbers across the two columns. A Hyatt point and an IHG point buy very different amounts of hotel, which is why IHG can print 140,000…
Travel Himalaya Nepal · News
Hyatt's free night is good at any Category 1—4 hotel regardless of its points price that night; IHG's is good at any hotel up to 40,000 points, and you can add your own points to go higher. A category cap does not depend on how many points the hotel is…
Travel Himalaya Nepal · News
For both cards the test is simple: is there a hotel you would book once a year for more than about $95 to $99? We do not put a dollar value on points or free nights, because it depends entirely on the hotel you choose. Look up two or three Hyatt Category 1—4…
Travel Himalaya Nepal · News
The IHG Premier gives Platinum Elite status and a handful of credits that the Hyatt card does not have. The Global Entry, PreCheck or NEXUS credit is worth up to $120 every four years if you need one. The United TravelBank credit is $25 twice a year after…
Travel Himalaya Nepal · News
Pick the card for the chain you stay with. If you have a real choice, the Hyatt card has the better free night and the only second night; the IHG Premier has the better status and extras. A traveller who stays in big cities and wants a certificate that keeps…
Travel Himalaya Nepal · News
Ten Hilton, Marriott, Hyatt and IHG cards on the free night that pays the fee. If you stay with no chain in particular. Who gets the bonus, and what spend counts. The general version of the free night maths. Sources: Chase, World of Hyatt Credit Card and IHG…
Travel Himalaya Nepal · News
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