Chase
World of Hyatt Credit Card
Annual Fee
$95
Sign-up Bonus
30,000 pts
Card data last reviewed 2026-10-20
Where It Wins, Where It Doesn't
Generated from the card's data against our full catalog, not editorial opinion.
- 4x on hotels (catalog median is 1.5x)
- Credits worth about $195/yr at typical usage offset 100% of the fee
- Non-bonus spending earns only 1x
Is the $95 Fee Worth It?
Net annual value (rewards + credits at typical usage, minus the fee) at three reference spending profiles. A credit counts only when the profile spends in its category, so a household with no travel spend gets no travel credit. Signup bonuses excluded.
Everyday
Groceries, gas, and dining out a few times a month ($24,000/yr)
+$394/yr
$469 rewards + $20 credits - $95 fee
#35 of 92 in the Q4 2026 Rewards Index →Foodie
Heavy dining and delivery, lighter on travel ($26,000/yr)
+$540/yr
$615 rewards + $20 credits - $95 fee
#15 of 92 in the Q4 2026 Rewards Index →Traveler
Several trips a year with flights and hotels ($28,000/yr)
+$994/yr
$894 rewards + $195 credits - $95 fee
#5 of 92 in the Q4 2026 Rewards Index →Rewards by Category
Dining
2x
Grocery
1x
Gas
1x
Flights
2x
Hotels
4x
Other Travel
1x
Online Shopping
1x
Rideshare
2x
Streaming
1x
Amazon
1x
Costco
1x
Other
1x
Apple
1x
Cell Phone
1x
Fast Food
2x
Home Utilities
1x
Internet
1x
Walmart
1x
Point value: 1.7 cents per point
The Fine Print That Changes the Math
4X at Hyatt hotels (up to 9X with member base points); 2X at restaurants, on airline tickets bought directly from airlines, on local transit and commuting, and on gym memberships; 1X elsewhere. One Category 1-4 free night each anniversary, plus a second after $15,000 of calendar-year spend (not modeled). $10 a quarter in DoorDash credit on non-restaurant orders through 2027. The sign-up bonus is 30,000 points after $3,000 in 3 months; up to 30,000 more comes from 2X on 1X purchases (first $15,000 in 6 months) and is not counted here.
Benefits & Credits
Cat 1-4 Free Night Certificate$250
We count this at 70% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
Cat 1-4 anniversary cert. Conservative cash value ~$250; actual point value at Cat 4 max (18k pts) is ~$306 at 1.7cpp but lower-cat redemptions reduce realized value.
DoorDash $10/quarter$40
We count this at 50% of face value (typical usage). Our Credit Capture Index rates what an active optimizer captures, so its figures run higher.
$10/quarter DashPass credit through 12/31/2027. Quarterly cadence + DashPass enrollment makes broad realization unlikely.
World of Hyatt Credit Card FAQ
What is the World of Hyatt Credit Card annual fee?
The World of Hyatt Credit Card has a $95 annual fee. Statement credits worth about $195/yr at typical usage reduce the effective cost.
What is the World of Hyatt Credit Card signup bonus?
30,000 points for new cardholders meeting the minimum spend. Verified 2026-10-20. Check the issuer's site for the current offer.
What are the best spending categories for the World of Hyatt Credit Card?
4x on hotels, 2x on flights, 2x on dining. Everything else earns 1x.
Is the World of Hyatt Credit Card worth the annual fee?
At a typical $24,000/yr spending profile, it nets about $394/yr after the fee. Your own spending mix decides it; run the numbers in the optimizer.
Compare With Similar Cards
Guides Featuring This Card
Is World of Hyatt Credit Card Right for You?
Run your personalized optimization to see how this card fits into your wallet and how much you could earn based on your actual spending.
Sources & Verification
Card data last reviewed 2026-10-20.
Card details are for informational purposes only. Please verify current terms, rewards, and benefits on the issuer's website before applying. Links to issuers are direct; CardSavvy currently earns no commission from them.