World of Hyatt Credit Card
$95 annual fee · 1x on everything else · no foreign transaction fees
Terms verified 2026-08-21 against issuer terms · welcome offer re-checked 2026-10-23
Earn rates · how we got this
| Category | Rate | Cap |
|---|---|---|
| Dining | 2x 3.0¢ per $1 |
uncapped |
| Flights | 2x 3.0¢ per $1 |
uncapped |
| Transit | 2x 3.0¢ per $1 |
uncapped |
| Fitness | 2x 3.0¢ per $1 |
uncapped |
| Everything else | 1x 1.5¢ per $1 |
uncapped |
| Hotels at Hyatt only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site |
4x | uncapped |
What we have watched change
Differences between one check of the issuer's page and the next — not a reconstruction of the card's history. We only know what we were watching when it moved.
- Welcome offer World of Hyatt Credit Card welcome bonus is now recorded as 30,000 — the guaranteed tier of Chase's 'up to 60,000' offer (the rest needs $15,000 of spend in 6 months); it was 75,000. 2026-09-11
Signup bonus: 30,000 points after $3,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Headline is 'up to 60,000': 30,000 after $3,000 in 3 months, plus up to 30,000 more via 2 points per $1 on the first $15,000 spent in 6 months. The figure here is the guaranteed part. Bonus figure confirmed on the issuer's page 2026-10-23.
Non-cash perks
- Automatic World of Hyatt Discoverist elite status for as long as the account is open
- 5 World of Hyatt Tier-Qualifying Night credits automatically every calendar year toward elite status
- 2 additional Tier-Qualifying Night credits for every $5,000 in purchases, no annual limit
- Free Night Award every cardmember anniversary at any Category 1-4 Hyatt hotel or resort (capped by hotel category tier, not a points redemption cap, so it does not fit this schema's free_night_certificate point_cap shape — described here instead)
- Additional Category 1-4 Free Night Award after $15,000 in purchases in a calendar year
- No foreign transaction fees
- Baggage delay insurance: up to $100/day for up to 5 days
- Lost luggage reimbursement (NY residents limited to $2,000/bag, $10,000/trip)
Does the fee earn out? · how we got this
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $3,167 of dining spending at 2x (valuing World of Hyatt points at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.
Is this $95 fee worth it? See the break-even math →
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
Who this card is not for
Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. One thing on this card rules out a kind of spender:
- Anyone who doesn't spend at Hyatt. Its largest printed rate, 4x on hotels, pays only at Hyatt. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Compared head-to-head
Comparing cards in the same currency? See the best cards that earn World of Hyatt points →
More from Chase
Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: creditcards.chase.com · creditcards.chase.com · www.nerdwallet.com. Spot an error? Tell us.