Chase · Visa
World of Hyatt Credit Card
Hyatt Loyalists
$95 annual fee
Why people consider it
- 4x on Hyatt.
- 2x on Dining.
- 2x on Flights.
Current welcome offer
Current: 60,000 points
Recent typical offer: 60,000 points
Current offer matches recent typical offers.
Welcome offer: 60,000 points≈ $1,020 at our typical valuation
Requirement: Spend $15,000 in 6 months
Tell us what you normally spend and we’ll check it against this requirement. Find a card →
Current offer shown; issuer determines eligibility.
Details: Up to 60,000 points: 30,000 after $3,000 spend in 3 months, plus up to 30,000 more by earning 2x (on normally-1x purchases) on up to $15,000 in the first 6 months. The elevated 45k/$5k offer ended 2026-08-20; spend/months here model FULL realization ($15k/6mo) so low spenders aren't credited the ceiling.
Recommended credit score: 680+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$970/year
for the sample household ($4,800/month) · points at typical value
First-year value
$1,990 first year
Includes: +$1,020 welcome offer (60,000 points at our typical value)
$1,020 is one-time. $970/year is ongoing.
To earn the bonus: spend $15,000 in 6 months.
Offer verified: Nov 4, 2026
Worth considering if you already want this type of card.
- Full annual fee:
- $95, charged in full — credits count only if you use them
- Major trade-offs:
- $15k total spend to earn the full 60k bonus Free night capped at Cat 4
- Against a no-fee alternative:
- We'd choose the $0-fee option. Citi Double Cash nets as much as World of Hyatt Credit Card on this spending, with no fee to earn back. (The sample household; run your own numbers.)
Detailed research
Full reward table and category caps
Hyatt purchases
Restaurants
Airline tickets purchased directly with the airline
Transit & gym
Point value: ~1.7¢ each
Optional benefits and credits
Perks (not counted in our math)
Use at Cat 1-4 Hyatt
Approval and bonus eligibility caveats
Recommended credit score: 680+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Chase's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + Best hotel point value (~1.7c)
- + Free night annually
- + 5 elite nights per year
Cons
- - $15k total spend to earn the full 60k bonus
- - Free night capped at Cat 4
- - Hyatt has fewer locations
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.