Credit card directory

World of Hyatt Credit Card

The World of Hyatt Credit Card charges $95 a year and earns Hyatt points at 4 per $1 at Hyatt hotels, 2 per $1 on dining, on airfare bought directly from the airline, on local transit and commuting, and on fitness club and gym memberships, and 1 per $1 elsewhere, with no foreign transaction fee.

Facts read from the Chase official World of Hyatt card page on October 22, 2026. How we check them: methodology.

Earn rates, as the issuer prints them

The 4x lane is one hotel brand, but the 2x lanes are unusually broad: dining, direct airfare, transit and gym memberships all earn double. Hotels other than Hyatt earn 1x, so a traveler who splits stays across brands earns the headline rate on only part of their hotel spend. The World of Hyatt hub covers what the points book and how free night awards are capped by category.

A year of spending on this card, worked out

Arithmetic illustration with stated inputs: $1,500 a year at Hyatt hotels, $3,600 on dining, $2,000 on airfare bought directly, $600 on transit and $7,000 on other purchases earns 6,000 + 7,200 + 4,000 + 1,200 + 7,000 = 25,400 Hyatt points a year, before the anniversary free night award is counted. At a flat 1x the same $14,700 would earn 14,700 points.

Welcome offer as published

As published on the issuer page: 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening, plus up to 30,000 more Bonus Points by earning 2 Bonus Points per $1 (on top of the usual 1) on purchases that normally earn 1 Bonus Point per $1, up to $15,000 in the first 6 months.

The offer has two parts: 30,000 Bonus Points after $3,000 in the first three months, about $1,000 a month, and up to 30,000 more from a temporary double rate on purchases that normally earn 1 point per $1, capped at $15,000 of such purchases in the first six months. Reaching the full second part takes $15,000 of base-rate spending, far more than the first threshold, so price the offer as 30,000 points plus whatever their normal six months of base-rate spend adds.

Who this earn structure suits

Hyatt guests who also spend on dining, direct airfare, transit and gym memberships, the four 2x lanes. The points land in World of Hyatt and cannot move elsewhere, so the card suits a traveler whose hotel nights already go to Hyatt.

Notes from the issuer page

• The issuer page checked also lists one free night award each account anniversary year, at a category 1 to 4 Hyatt hotel, and a second free night award after $15,000 in purchases in a calendar year.

The traps to check in your account

• Points land in World of Hyatt. They are not bank points, so there is no bank transfer step. Read its hub for what they book.
• The second half of the welcome offer needs $15,000 of purchases that normally earn 1 point per $1, inside six months. Do not budget for 60,000 points unless that spending was already going to happen.
• Interest on a carried balance can outweigh the rewards, so the earn table assumes you pay in full.