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World of Hyatt Credit Card
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Chase

World of Hyatt Credit Card

TravelHotelAirlineDiningIntro OfferNo Foreign Transaction Fees

Key Features

Annual Fee$95.00
Sign-up BonusUp to 60,000 Bonus Points
Rewards Rate1x-4x Bonus 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
Read the full review
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, positioning it as a 'Good' card that offers significant value for its specific target audience. Its primary strength lies in its exceptional rewards program (4.7/5.0) for Hyatt loyalists, boasting high earning rates at Hyatt properties, a valuable annual free night award, and accelerated progress towards elite status. The absence of foreign transaction fees further solidifies its appeal for international travelers, and its reputation (4.7/5.0) among experts and users is consistently strong, recognizing its niche excellence. The moderate $95 annual fee (Fees Rating: 3.7/5.0) is easily justified and often surpassed in value by the annual free night award alone. However, the card's most significant drawback is its very poor APR (1.3/5.0), with a high variable rate ranging from 19.24% to 29.99% and no introductory APR period. This makes it an expensive option for anyone who carries a balance. The sign-up bonus (2.7/5.0) has good potential but requires a substantial spending commitment to unlock its full value. Ultimately, for dedicated Hyatt travelers who consistently pay their balance in full, this card delivers an excellent value proposition, leveraging its robust rewards and benefits to significantly outweigh its annual cost and offset the impact of its high APR.

3.7
Overall Rating

Pros & Cons

What's great

  • Generous sign-up bonus
  • High rewards rate on travel and select everyday categories
  • No foreign transaction fees
  • Automatic elite status with Hyatt and progress towards higher tiers
  • Annual free night award
  • Comprehensive travel and purchase protections

Things to consider

  • Annual fee applies
  • No introductory APR period
  • High regular APR

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
  • 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

  • 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.
  • 1 Bonus Point per $1 spent on all other purchases.

Other features

  • Turn purchases into free nights by earning up to 9X total points per $1 at Hyatt hotels and resorts.
  • Plus, get 1 free night and 5 tier qualifying nights credits toward status each year just for being a cardmember.
  • 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.
  • Contactless - Just Tap To Pay
  • 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.
  • 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.
  • Chase Pay Over Time lets eligible Chase customers break up credit card purchases into budget friendly payments.
  • 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
2.7
1.3
3.7
World of Hyatt Credit Card Review | Creditminds