$229
Annual fee
See the card
Card reviewChase
Updated Aug 12, 2026 · research
ChaseWorld of Hyatt
World of Hyatt Credit Card
Turn purchases into free nights by earning up to 9X total points per $1 at Hyatt hotels and resorts.
Mid TierPersonal
Visa
Credit profile: excellent$95
Annual fee
9x pts hyatt hotels and resorts
Top rate
None
Foreign fee
N/A
Rating
Current Welcome Offer
Earn 75,000 points
Spend $5,000 in 90 days
Verifiedissuer
Card Offers
public
Earn 75,000 points
Spend $5,000 in 90 days
issuer
Earning Rates
Hyatt Hotels and Resorts
9xpoints
Earns 4 Bonus Points per $1 spent on qualifying Hyatt purchases, plus 5 Base Points from Hyatt for being a World of Hyatt member.
Airline tickets purchased directly from the airline
2xpoints
Must be purchased directly with the airline.
Fitness club and gym memberships
2xpoints
Local transit and commuting
2xpoints
Includes mass transit, tolls, and rideshares.
Restaurants
2xpoints
Includes dining out and delivery.
All other purchases
1xpoints
Standard base earning rate.
Pros & Cons
Pros
- Earns up to 9 total points per $1 at Hyatt hotels when combined with World of Hyatt member base points
- Annual free night award at Category 1-4 Hyatt properties can offset the $95 annual fee on its own
- 5 tier qualifying night credits per year help cardmembers maintain or advance World of Hyatt status faster
- No foreign transaction fees make it practical for international use
- Broad 2x bonus categories including dining, transit, airlines, and gym memberships add everyday earning potential
Cons
- Only useful for World of Hyatt loyalists; points have limited value outside the Hyatt ecosystem
- Annual free night is restricted to Category 1-4 hotels, excluding higher-end Hyatt properties
- Earns just 1 point per $1 on general purchases outside the bonus categories
- Excellent credit is required, limiting accessibility for some applicants
- Annual fee is not waived for the first year
Key Takeaways
- Earns up to 9 total points per $1 at Hyatt hotels when base member points are included
- The annual free night award at Category 1-4 properties alone can cover the $95 annual fee
- 5 tier qualifying night credits are awarded each year just for holding the card
- No foreign transaction fees apply to purchases made abroad
Fees
| Fee Type | Amount |
|---|---|
| Annual Fee | $95 |
| Foreign Transaction Fee | 0% |
APR Information
- Purchase APR
- 19.24% - 27.74%
APRs shown are variable and may change based on the Prime Rate. Your actual APR will be determined based on your creditworthiness.
Card Benefits
7 benefits (1 strong or better)
Travel Insurance
Travel Credits
Elite Status
Purchase Protection
Coverage Tier Legend
Best in ClassIndustry-leading coverage
StrongAbove average
StandardTypical coverage
LimitedBelow average
Frequently Asked Questions
What is the annual fee for the World of Hyatt Credit Card?
The annual fee is $95. It is not waived for the first year, so cardmembers pay it starting with the first billing cycle.
What is the welcome bonus for this card?
New cardmembers can earn up to 60,000 bonus points. The first 30,000 points are earned after spending $3,000 in the first 3 months, and up to 30,000 additional points can be earned by spending up to $15,000 in the first 6 months at a rate of 2 bonus points per $1.
How many points do I earn at Hyatt hotels?
The card earns 4 bonus points per $1 spent at Hyatt hotels. Combined with up to 5 base points earned as a World of Hyatt member, the total can reach up to 9 points per $1 at Hyatt properties.
What categories earn 2 bonus points per $1?
Cardmembers earn 2 bonus points per $1 at restaurants, on airline tickets purchased directly from the airline, on local transit and commuting, and on fitness club and gym memberships.
What is the annual free night benefit?
Each cardmember anniversary year, cardmembers receive 1 free night award valid at any Category 1-4 Hyatt hotel or resort. This benefit alone can offset the $95 annual fee, but it cannot be used at higher-category properties without a points co-pay.
Does the World of Hyatt Credit Card charge foreign transaction fees?
No, the card charges no foreign transaction fees, making it suitable for international travel and purchases made abroad.
What are tier qualifying night credits and how do they work?
Cardmembers receive 5 tier qualifying night credits toward World of Hyatt status each year just for holding the card. These credits count toward the night requirements for achieving or maintaining a status tier, but they do not count as actual hotel stays for bonus point earning.
What credit score is needed to apply for this card?
Excellent credit is generally required to be approved for the World of Hyatt Credit Card. Applicants with lower credit scores may not qualify.
What is the purchase APR for this card?
The purchase APR ranges from 19.24% to 27.74%, depending on the applicant's creditworthiness. The same range applies to balance transfers.
Is this card worth it for non-Hyatt spending?
Outside of Hyatt hotels and the 2x bonus categories, the card earns only 1 point per $1 on general purchases. Cardmembers who do not frequently stay at Hyatt properties or spend in the bonus categories may find limited value from everyday non-Hyatt spending.
Card Questions & Answers
Source-backed guidance for the most common questions about this card.
World of Hyatt Credit Card currently lists Auto Rental Collision Damage Waiver, Trip Cancellation & Interruption Insurance, Trip Interruption Insurance, Baggage Delay Insurance, Lost Luggage Reimbursement, and Purchase Protection. The extracted policy summaries emphasize 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. and 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 pre-paid, non-refundable travel expenses..
2 sourcesOpen dedicated answer page
About This Card
The World of Hyatt Credit Card is best for frequent Hyatt guests who want to accelerate World of Hyatt points earning and status progress. It suits travelers who stay at Hyatt properties regularly and can take full advantage of the annual free night and tier qualifying night credits.
Earn up to 75,000 Bonus Points and enjoy free nights, automatic Discoverist elite status, and Tier-Qualifying Night credits towards higher status tiers.
The World of Hyatt Credit Card is one of the few co-branded hotel cards at the mid-tier price point that includes both an annual free night award and automatic status-qualifying night credits, delivering outsized value for dedicated Hyatt loyalists without requiring a premium annual fee.
Ready to Decide?
Apply for the World of Hyatt Credit Card
Earn 75,000 points with a $95 annual fee.
Spend $5,000 in 90 days
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Sources & Methodology
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- 7 of 7 benefits rated high confidence
- 7 source citations across benefits
- 1 of 1 offer verified
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