World of Hyatt Credit Card
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How we calculate effective rate →
The World of Hyatt Credit Card from Chase earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn up to 60,000 Bonus Points - 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and 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..
- Top category
- Dining
- Effective value
- 3%
- Annual fee
- $95
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
What does the World of Hyatt Credit Card earn in each category?
Dining is the strongest category at 3% effective value (2x points at about 1.5 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how World of Hyatt Credit Card compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight.
Dining is the strongest category at 3% effective value (2x points at about 1.5 cents each). That dining rate ranks higher than about 81% of the 2,850 cards we track in that category. The five-category effective-rate table on this page shows how World of Hyatt Credit Card compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 2x points | 3% Top category |
| Grocery Supermarkets and grocery stores | 1x points | 1.5% |
| Gas Gas stations and fuel | 1x points | 1.5% |
| Travel Flights, hotels, transit | 2x points | 3% |
| Other General everyday spend | 1x points | 1.5% |
Madeen values World of Hyatt Loyalty Program at about 1.5 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the World of Hyatt Credit Card reward caps and conditions?
The World of Hyatt Credit Card has 3 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates.
- 2 Bonus Points per $1 spent on airline tickets purchased directly from the airline
- 2 Bonus Points per $1 spent at restaurants
- 2 Bonus Points per $1 spent on local transit and commuting
Who should get the World of Hyatt Credit Card?
The World of Hyatt Credit Card fits spenders who put meaningful volume in dining and can earn 2x points. Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
World of Hyatt Credit Card fits spenders who put meaningful volume in dining and can earn 2x points. Madeen ranks its dining effective rate higher than about 81% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in dining and can earn 2x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Best for dining-heavy spend when the $95 fee fits your usage; confirm issuer terms before applying.
Pros
- Strongest Madeen category is dining at about 3% effective (2x points).
- That dining rate ranks higher than about 81% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Multiple caps, activations, or exclusions may limit headline earn rates.
- World of Hyatt Loyalty Program value depends on how you redeem, not straight cash back.
What is the World of Hyatt Credit Card welcome bonus?
In Madeen's catalog snapshot, the World of Hyatt Credit Card welcome offer is Earn up to 60,000 Bonus Points - 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account.
- Offer
- 30k World of Hyatt Loyalty Program (~$450 estimated)
- Terms (catalog snapshot)
- Earn up to 60,000 Bonus Points - 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and 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.
- Minimum spend
- $3,000
- Window
- 3Months
Does the World of Hyatt Credit Card have an annual fee?
The World of Hyatt Credit Card has an annual fee of $95 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
What travel perks does the World of Hyatt Credit Card include?
The World of Hyatt Credit Card includes Free hotel night, 2 additional qualifying night credits, 5 qualifying night credits, Auto Rental Collision Damage Waiver in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free hotel night
Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary.
What benefits come with the World of Hyatt Credit Card?
Purchase Protection
$10,000/yrCovers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
Trip Cancellation/Interruption Insurance
$10,000/yrIf your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
2 additional qualifying night credits
$5,000/yrEarn 2 additional qualifying night credits every time you spend $5,000 on your card.
DoorDash
$3,600/yrGet one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Lost Luggage Reimbursement
$3,000/yrIf you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Up to $120 in Instacart credits
$1,440/yrReceive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Roadside Dispatch®
$1,000/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Baggage Delay Insurance
$300/yrReimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Concierge
$150/yrGet complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
Global Entry Statement Credit
$120/yrApply for Global Entry, a U.S. Customs and Border Protection program and use your Visa Signature card to pay the application fee (currently $120) to receive a $120 statement credit.
Related encyclopedia topics
What annual spend bonuses does the World of Hyatt Credit Card offer?
- A free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar year
Common questions about the World of Hyatt Credit Card
Where do cardholders spend most with the World of Hyatt Credit Card?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on coffee (2x), fast food (2x), other food and drink (2x) for the World of Hyatt Credit Card. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Is the World of Hyatt Credit Card worth it?
The World of Hyatt Credit Card from Chase earns up to 3% effective value on dining in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn up to 60,000 Bonus Points - 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and up to 30,000 more Bonus Points.
How much is 42000 Hyatt points worth?
Dining is the strongest Madeen category for the World of Hyatt Credit Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the World of Hyatt Credit Card have an annual fee?
The World of Hyatt Credit Card carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification.
What category earns the most with the World of Hyatt Credit Card?
Dining is the strongest Madeen category for the World of Hyatt Credit Card at about 3% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
Does the World of Hyatt Credit Card charge foreign transaction fees?
The World of Hyatt Credit Card does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees.
How does the World of Hyatt Credit Card compare to similar cards?
Compare the World of Hyatt Credit Card against Aeroplan Card (4.5% on Dining, $95 fee); AARP (3% on Dining, $0 fee); Chase Freedom Flex Credit Card (3% on Dining, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
World of Hyatt Credit Card This card | Dining | 3% | $95 |
| Dining | 4.5% | $95 | |
Chase | Dining | 3% | $0 |
| Dining | 3% | $0 | |
| Dining | 3% | $0 |
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Chase and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Chase. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure