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  1. Credit Cards
  2. The World of Hyatt Credit Card
Chase

The World of Hyatt Credit Card

The World of Hyatt Credit Card is built for regular and occasional Hyatt guests who want to elevate their hotel stays and earn high-value reward nights. It serves as an essential companion for travelers who want to fast-track elite status while offsetting the cost of membership.

Welcome Offer
Earn up to 75,000 Points
Annual Fee
$95
Rec. Credit Score
Good
Good For
Hyatt guests and award travelers
Learn MoreEstimate your value
The World of Hyatt Credit Card

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

Overview

Is The World of Hyatt Credit Card worth it?

This card is great for...

Annual hotel award stays

Hyatt elite status acceleration

Category 1-4 free night rewards

For almost any traveler who visits Hyatt properties at least once a year, this card easily pays for itself. The $95 annual fee is comfortably offset by the annual Category 1-4 free night award granted after your account anniversary, which can easily be redeemed for stays worth well above the fee. Automatic Discoverist status and five baseline tier-qualifying night credits also give regular guests a head start toward higher status tiers. The main tradeoff is the card's modest earning rate on everyday non-hotel spend. However, spending $15,000 on the card in a calendar year unlocks an additional Category 1-4 free night award alongside extra tier-qualifying night credits, making it a lucrative option for moderate spenders who want to maximize their loyalty benefits.

MaxRewards

MaxRewards Verdict

An ideal pick for anyone who visits Hyatt properties at least once a year, offering annual free night awards and elite status perks that easily outweigh its $95 annual fee.

Welcome Offer

Earn up to 75,000 Points

  1. 1

    45,000 Points

    Spend $5,000 in first 3 months

  2. 2

    +30,000 Points

    Spend $15,000 in first 6 months

  3. Spend $15,000 total → 75,000 Points

Offer details

Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, 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.

Earning

Rewards

You earn World of Hyatt points directly on card purchases, with the highest earning rates reserved for spending at Hyatt hotels and resorts.

CategoryRate

Hyatt Hotels

13.5%

Everywhere

1.5%

Rewards percent based on a valuation of 1.5¢ per Hyatt point

Annual Credits & Perks

Benefits

The card offers built-in travel protections, automatic status, and annual free night awards that easily cover the yearly fee.

BenefitAnnual value
$5,000

Enrollment is required for select benefits.

Automatically track your credits with MaxRewards

Our app automatically tracks valuable credits so you don't miss any rewards.

Get the app
The World of Hyatt Credit CardEarn 2 additional night credits
Autotracked
$0 of $5,000

Benefits

Credits

Receive 5 Tier-Qualifying Night Credits every year

Receive 5 Tier-Qualifying Night Credits toward your next tier status every year.

Benefits

Insurance

Trip Cancellation / 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 Collision Damage Waiver

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.


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.


Extended Warranty Protection

Extends the time period of the manufacturer’s U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.

Benefits

Status & Access

Automatic Elite Status

Enjoy Elite status in World of Hyatt as long as your card is open.


Complimentary DashPass membership

$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.

Benefits

Other

1 additional free night

Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year.


1 free night every year

Receive one free night at any Category 1-4 Hyatt hotel every year after your cardmember anniversary.

Eligibility

Recommended Minimum Credit

Min: Good
Poor
Fair
Good
Excellent

Good credit or higher is recommended for this card.

Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.

Pricing

Rates & Fees

Annual Fee

$95

Purchase APR

19.24% - 27.74%

Variable

Transfer APR

19.24% - 27.74%

Variable

Cash Advance APR

28.49%

Variable

Foreign Transaction Fee

None

Balance Transfer

$5

Cash Advance

$10

Late Payment

None

For rates and fees of The World of Hyatt Credit Card, please visit the Chase website.

Questions

Frequently Asked Questions

Earn up to 75,000 Points after $15,000 in total qualifying spend.

We value the full offer at about $1,125, based on MaxRewards' Hyatt valuations.

Earning the full offer takes $15,000 in total spend across its tiers; the most demanding tier works out to about $2,500 per month on average.

Table of Contents

The World of Hyatt Credit Card

The World of Hyatt Credit Card

Learn More

MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.

MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.

Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.

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