Hotel card review
World of Hyatt Credit Card
The free night at a Category 1 to 4 hotel usually clears the fee by itself, and Hyatt award charts are still reasonable value.
Open to new applicantsVerified on issuer pages
At a glance
Annual fee$95
Welcome offerUp to 60,000 bonus points$3,000 in 3 months
IssuerChase
Rewards programWorld of Hyatt
Foreign transaction feeNone
Welcome offer
Up to 60,000 bonus points after $3,000 of spending within 3 months.
30,000 points after $3,000 in 3 months, plus up to 30,000 more by earning 2 points per $1 instead of 1 on general purchases in the first 6 months, on up to $15,000 of spending.
Earning rates
| Rate | On | Cap or condition |
|---|---|---|
| 4x | Participating Hyatt hotels and resorts | Up to 9x in total including base Hyatt points. |
| 2x | Restaurants, airline tickets bought direct, local transit and commuting, and gym memberships | No cap stated |
| 1x | Everything else | No cap stated |
Benefits and credits
- Annual free night One free night each year at a Category 1 to 4 Hyatt hotel or resort, after your cardmember anniversary. A second free night follows $15,000 in calendar-year spending.
- Elite night credits 5 tier-qualifying nights when the account opens and again each January, plus 2 more for every $5,000 spent.
- Discoverist status For the primary cardmember while the account is open and in good standing.
- DashPass 12 months complimentary, for eligible activations through 31 December 2027.
- No foreign transaction fees
Restrictions worth knowing
- Chase 5/24 applies.
- The annual free night is limited to Category 1 to 4 properties.
- The second free night needs $15,000 in spending.
How to use it well
- A Category 4 Hyatt room usually costs more than $95 in cash, so the anniversary night alone normally justifies the fee.
- The 5 elite nights each January are a meaningful head start if you are working toward Explorist or Globalist.
- Chase points transfer to World of Hyatt 1:1, which is widely considered one of the stronger uses of Ultimate Rewards.
Sources and freshness
What we checked: Fee, welcome offer, earning rates and all benefits read directly from Chase's own product page on 2 November 2026.
- Chase: World of Hyatt Credit Card — read November 2, 2026
Last updated: November 2, 2026.
Other World of Hyatt cards
- World of Hyatt Business Credit Card — Not verified, open to new applicants