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World of Hyatt Credit Card
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Chase

World of Hyatt Credit Card

TravelDiningHotelAirlineIntro OfferNo Foreign Transaction Fees

Key Features

Annual Fee$95.00
Sign-up BonusUp to 60,000 Bonus Points
Rewards Rate1x-9x Points
Regular APR
19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR.
NetworkVisa
Best for those with
Very Good Credit

About this card

The World of Hyatt Credit Card earns an overall rating of 3.7 out of 5.0, placing it firmly in the 'Good' category. This rating reflects a card with exceptional strengths tailored to a specific audience, balanced by notable weaknesses. Its primary appeal lies in its outstanding Rewards Program (4.7/5.0), offering industry-leading earning rates for Hyatt stays (up to 9 points per dollar), an incredibly valuable annual free night certificate at Category 1-4 Hyatt hotels (which often single-handedly justifies the $95 annual fee), and an accelerated path to World of Hyatt elite status. The absence of foreign transaction fees further solidifies its value for international travelers, contributing positively to its Fees Rating (3.7/5.0) despite the annual cost. Furthermore, its Reputation (4.7/5.0) is very strong, backed by Chase's reliability and consistent praise from industry experts and loyal customers. The card's fit for its target audience—dedicated Hyatt loyalists who consistently pay their balance in full—is exceptional, delivering a compelling value proposition through its benefits. However, the card's most significant drawback is its very poor APR Rating (1.3/5.0). With a variable regular APR ranging from 19.24% to 27.74% and no introductory APR period, it is an extremely expensive option for anyone who carries a balance, quickly negating any rewards earned. The Sign-Up Bonus (2.9/5.0) is fair; while the potential 60,000 points are valuable, achieving the full bonus requires a substantial and prolonged spending commitment that may be out of reach for many. In summary, for dedicated Hyatt travelers who consistently pay their balance in full, this card offers an excellent and highly rewarding experience. However, the high APR remains a critical consideration for all cardholders, preventing it from reaching a higher overall rating despite its otherwise strong performance within its niche.

3.7
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate for travel and specific spending categories
  • No foreign transaction fees
  • Automatic elite status
  • Valuable travel perks and protections

Things to consider

  • Annual fee
  • High regular APR
  • No intro APR period

What this card offers

Sign-up bonuses

  • Earn up to 60,000 Bonus Points
  • 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent

Rewards

  • Up to 9X Total points per $1 spent at Hyatt hotels
  • 4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels.
  • Earn unlimited 2X Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from airlines, on local transit and commuting (taxis, mass transit, tolls, parking, ride-share), and on fitness club & gym memberships.
  • 1 Bonus Point per $1 spent on all other purchases.

Other features

  • Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary.
  • An extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar year.
  • Receive World of Hyatt Discoverist status for as long as your account is open.
  • You receive 5 qualifying night credits towards your next tier status every calendar year.
  • Earn 2 additional qualifying night credits every time you spend $5,000 on your card.
  • You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
  • For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
  • Baggage Delay Insurance Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
  • Lost Luggage Reimbursement Provides reimbursement up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip.
  • Trip Cancellation and Interruption Insurance If your trip is canceled or cut short by sickness, severe weather or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
  • Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
  • Auto Rental Coverage Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
  • Visa Concierge Get complimentary Visa Signature Concierge Service 24 hours a day.
  • Get one-year complimentary DashPass, membership for both Doordash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
  • DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
  • Receive instant access to your card by adding it to a digital wallet, like Apple Pay, Google Pay or Samsung Pay.
  • After purchase (formerly My Chase Plan): Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
  • At checkout: Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time.
  • Points don't expire as long as your World of Hyatt Credit Card account is open.

Additional Notes

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

Ratings

4.7
4.7
2.9
1.3
3.7