Hyatt vs. Hilton: Comparing mid-tier hotel credit cards

Both cards offer free night awards but differ in how they are earned. The Hilton Surpass gives a free night reward after spending $15,000 on eligible purchases annually. This can be used at nearly any Hilton property worldwide. The World of Hyatt card provides an annual free night certificate at a Category 1-4 property upon account anniversary and another one after spending $15,000 within a calendar year.

In terms of earning points, both cards have their strengths. The Hilton Surpass earns 12 points per dollar at participating Hilton hotels and varying rates for other categories like dining and gas stations in the U.S., while the World of Hyatt earns four points per dollar at its hotels and different rates for categories such as transit and dining.

Elite status benefits also differ between these cards. The Hilton Surpass offers automatic Gold status with potential upgrades to Diamond status based on spending thresholds. Meanwhile, the World of Hyatt cardholders receive Discoverist status with benefits like late checkout and preferred rooms.

Ultimately, choosing between these two cards may depend on brand loyalty and personal travel preferences. "At the end of the day," notes The Points Guy's analysis, "the card that is better suited for you may come down to brand and loyalty preference."