Chase
World of Hyatt Credit Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | Up to 75,000 Bonus Points |
| Rewards Rate | Up to 9 total Points per $1 |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
| Network | Visa |
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), a highly valuable annual free night certificate at Category 1-4 Hyatt hotels (which often single-handedly justifies the $95 annual fee), and accelerated path to World of Hyatt elite status. The absence of foreign transaction fees further solidifies its value for international travelers, making its Fee Rating (3.7/5.0) good 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 (Hyatt loyalists) 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 29.99% 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 Rating (2.7/5.0) is fair; while the potential 75,000 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.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on hotel stays and select categories
- No foreign transaction fees
- Annual free night certificate
- Automatic hotel elite status and path to higher status
- Valuable travel and purchase protections
Things to consider
- Annual fee
- High regular APR
What this card offers
Sign-up bonuses
- Earn up to 75,000 Bonus Points
- 45,000 Bonus Points after you spend $5,000 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 9 total Points per $1
- 4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels.
- Plus, up to 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member.
- 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships.
- Plus, earn 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. Plus, 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 example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless.
- 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. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
- 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. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027.
- Plus, 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. Find out how at chase.com/digital/spend-instantly.
- Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:
- 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. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card account activity.
- At checkout: Chase credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.
- 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.