World of Hyatt Credit Card
The welcome offer, the annual free night and second-night spending target, the path to Hyatt status, the insurance, and whether the $95 fee pays for itself.
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Hotel cards · Chase
Welcome offer
Up to 60,000 points
Annual fee
$95
30,000 bonus points after $3,000 in purchases in the first 3 months, plus up to 30,000 more: 2 extra points per $1 on purchases that normally earn 1 point, on up to $15,000 in the first 6 months. Not available to current cardholders or anyone who received this card’s bonus in the past 24 months.
Foreign transaction fees: NoneRewards: World of Hyatt points
The Atelier Take
One of the easiest hotel cards to justify, on the free night alone.
Who it suits
Anyone who stays at Hyatt even once or twice a year, and anyone working toward Hyatt status.
Who should skip it
People whose travel rarely takes them near a Hyatt: the network is smaller than Marriott’s or Hilton’s.
Free nights, and the catch
Anniversary free night
One night at a Category 1–4 hotel
Only Category 1 to 4 hotels, which excludes Hyatt’s most expensive properties.
Second free night
One more Category 1–4 night
Only after $15,000 of purchases in the calendar year.
What it earns
Rewards: World of Hyatt points, which don’t expire while the card is open.
9x
Hyatt hotels
4x from the card plus up to 5x as a World of Hyatt member
2x
Restaurants
2x
Airline tickets bought directly from airlines
2x
Local transit and commuting
Taxis, transit, tolls, parking and rideshare
2x
Fitness clubs and gym memberships
1x
Everything else
TPG values Hyatt points at 1.65¢ each, higher than any other hotel currency, so 2x returns about 3.3¢ per dollar. Chase Ultimate Rewards points also transfer to Hyatt: 1:1 from the Sapphire Reserve, and 4:3 from the Sapphire Preferred and Ink Business Preferred (1,000 points become 750 Hyatt points).
Status
Discoverist status
For as long as the card is open.
5 tier-qualifying night credits
Each year, toward higher Hyatt status.
More night credits
2 tier-qualifying night credits for every $5,000 spent.
Will the $95 fee pay off?
Enter what would go on this card. The result values points at TPG’s valuation, adds the credits that would actually be used and, in year one, the welcome offer, then sets the total against a no-fee card that pays 2% back on everything.
1 · Spending on this card
Example figures are filled in; replace them with real ones.
Hyatt hotelsCard points only; member points come with any card and are left out
4x
Restaurants
2x
Airline tickets bought from the airline
2x
Local transit and commutingTaxis, transit, tolls, parking and rideshare
2x
Fitness clubs and gyms
2x
Groceries
1x
Gas
1x
Everything else
1x
2 · Credits that would be used
Tick only what would be used anyway, at full value.
3 · Assumptions
The result
Free nights are valued as examples; the anniversary night starts in year two. Not counted: Discoverist status and the tier-qualifying night credits.
Insurance and protections
Chase lists these on the card’s page; the Guide to Benefits has the full terms. Pay for the trip or purchase with the card to be covered.
Trip cancellation and interruption
Up to $5,000 per traveler and $10,000 per trip for prepaid, non-refundable travel.
Lost luggage
Up to $3,000 per traveler for lost, damaged or stolen bags.
Baggage delay
Up to $100 a day for 5 days for essentials when bags are delayed more than 6 hours.
Auto rental coverage
Theft and collision damage on most rentals; secondary to personal insurance in the U.S.
Purchase protection
Damage or theft within 120 days of purchase, up to $500 per item.
Pros and cons
Pros
- The annual free night alone usually exceeds the fee
- Hyatt points are worth more than Hilton, Marriott or IHG points
- A steady path toward Hyatt status
- Trip cancellation cover up to $5,000 per traveler
Cons
- Modest earning on everyday spending
- Free nights are capped at Category 4
- Hyatt’s footprint is smaller than Marriott’s or Hilton’s
Card terms change often and some offers are personalized; the issuer’s page is the final word.