World of Hyatt Credit Card

The World of Hyatt Credit Card from Chase is the rare hotel card whose underlying points are genuinely valuable: Hyatt points are consistently rated the most valuable major hotel currency, commonly estimated at 1.5 to 2 cents each, which changes the math on everything this card does. The annual fee is $95, not waived the first year. As of August 2026 the welcome offer is up to 75,000 points: 45,000 bonus points after $5,000 in purchases in the first 3 months, plus up to 30,000 more by earning 2 bonus points per dollar (on top of the normal 1 point) on up to $15,000 of everyday spending in the first 6 months. Chase's page flags the offer as ending soon, so the 45,000 point front end may revert to its more typical 30,000. The keeper benefit is the annual free night at any Category 1-4 Hyatt after each cardmember anniversary. Category 4 covers hotels that routinely sell for $200 to $300 a night, so the certificate usually beats the $95 fee with room to spare. Spend $15,000 in a cardmember year and you earn a second Category 1-4 night. The card also grants Discoverist status and 5 qualifying night credits toward elite status every year, with additional credits earned through spending. Earning is 4x at Hyatt hotels (up to 9x total with membership earn), 2x on dining, airline tickets purchased directly from airlines, and local transit and commuting, and 1x elsewhere. The APR is 19.24 to 29.99 percent variable, with no foreign transaction fees. Two eligibility gates: Chase's 5/24 rule applies, and you cannot get the card if you currently hold any World of Hyatt card or received a new cardmember bonus on one in the past 24 months. This card is for anyone who stays at Hyatt properties even two or three times a year; the free night plus high-value points make it one of the easiest $95 fees to justify in the hotel card space. Skip it if there are no Hyatts where you travel, which is a real constraint: Hyatt's footprint is roughly a tenth the size of Marriott's or Hilton's, especially outside major cities. Skip it as an everyday spender too, since 1x base earning is thin, even in a strong currency.