World of Hyatt Credit Card
$95 annual fee · 1x on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Dining | 2x | uncapped |
| Flights | 2x | uncapped |
| Transit | 2x | uncapped |
| Fitness | 2x | uncapped |
| Everything else | 1x | 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 |
See how it ranks: best dining cards · best flights cards · best transit cards.
Signup bonus: 75,000 points after $5,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero.
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?
The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $2,795 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.
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.