World of Hyatt Credit Card

Earning Rates

Key Benefits

• 9x at Hyatt properties
• Free Cat 1-4 night every year
• Automatic Discoverist
• $95 fee

All Benefits

• Welcome offer: up to 60,000 World of Hyatt Bonus Points in two tiers — 30,000 Bonus Points after spending $3,000 on purchases in the first 3 months from account opening, plus an additional 30,000 Bonus Points (earned as 2 Bonus Points total per $1 on purchases that normally earn 1 Bonus Point, on up to $15,000 spent) in the first 6 months from account opening (per Chase issuer product page)
• $95 annual fee (per Chase issuer product page; pricing-and-terms disclosure LGC61032)
• Purchase / balance transfer APR 19.24% to 27.74% variable, cash advance APR 28.49% variable (Prime + 21.74%, max 29.99%), penalty APR up to 29.99% variable (per Chase pricing-and-terms LGC61032)
• Welcome-bonus eligibility: the offer is not available to current cardmembers of this credit card or previous cardmembers who received a new cardmember bonus for this card in the past 24 months (per Chase issuer product page terms)
• Earn 4 Bonus Points per $1 spent on qualifying purchases at Hyatt hotels and resorts participating in the World of Hyatt program (this is the bonus earned on the credit card; per Chase issuer product page)
• Up to 9X total points per $1 at Hyatt: 4 Bonus Points per $1 from the card stacked with up to 5 Base Points per $1 from Hyatt for being a World of Hyatt member (per Chase issuer product page hero copy)
• Earn 2 Bonus Points per $1 at restaurants (excluding dining purchases that qualify for 4 Bonus Points described above), on airline tickets purchased directly with the airline, on local transit and commuting, and on fitness club and gym memberships (per Chase issuer product page Earning in the Rewards Program section)
• Earn 1 Bonus Point per $1 on all other purchases (per Chase issuer product page)
• Free Night Award every cardmember anniversary: receive one free night good in any available standard room at any Hyatt hotel or resort designated Category 1 through 4 every year after your cardmember anniversary; valid for 12 months from issuance; not valid at Miraval, Hyatt Zilara or Hyatt Ziva resorts; allow up to 10 weeks after anniversary for issuance (per Chase issuer product page)
• Bonus Free Night Award after $15,000 in calendar-year purchases: as a one-time bonus each calendar year, earn an additional Category 1-4 Free Night Award after $15,000 in purchases; good for 12 months from issuance in any available standard room at a Category 1-4 Hyatt property; allow up to 8 weeks for issuance after qualifying (per Chase issuer product page)
• Resort, destination and facility fees are waived on Free Night Award redemptions for the specific redeemed award (excluding Hyatt Residence Club resorts) per the Chase issuer product page Free Night Award terms
• Free Night Awards cannot be redeemed for packages and authorized users do not receive Free Night Awards (only the primary cardmember) per Chase issuer product page
• Automatic World of Hyatt Discoverist elite status for the primary cardmember as long as the card account is open and not in default; allow up to 8 weeks from account opening for Discoverist status to apply; authorized users do not receive Discoverist as a result of being added to the card (per Chase issuer product page)
• 5 World of Hyatt Tier-Qualifying Night credits each calendar year just for being a cardmember: issued within 8 weeks of account opening in year one and within 8 weeks of January 1 every calendar year thereafter; credits count toward World of Hyatt status and milestone benefits (per Chase issuer product page)
• Earn 2 additional World of Hyatt Tier-Qualifying Night credits for every $5,000 in purchases on the card with no annual cap on the number of credits you can earn; credits count toward World of Hyatt status and milestone benefits applicable to Tier-Qualifying Night requirements (per Chase issuer product page; note Chase's posted ratio is 2 TQNs per $5,000, not 1 per $5,000)
• Points don't expire as long as your World of Hyatt Credit Card account is open and Bonus Points are automatically transferred to your World of Hyatt program account after the end of each billing cycle (per Chase issuer product page Earning in the Rewards Program)
• No foreign transaction fees on purchases made outside the United States (per Chase issuer product page Travel & Purchase Protection section; the page is categorized under No Foreign Transaction Fee)
• Trip Cancellation and Interruption Insurance: if your trip is canceled or cut short by sickness, severe weather or other covered situations, reimbursement up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses including passenger fares, tours, and hotels (per Chase issuer product page)
• Baggage Delay Insurance: reimburses up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours (per Chase issuer product page)
• Lost Luggage Reimbursement: up to $3,000 per covered traveler for the cost to repair or replace checked or carry-on baggage that is lost, damaged or stolen during a covered trip (specific limitations apply to New York residents per Chase issuer product page disclosures)
• Auto Rental Collision Damage Waiver: decline the rental company's collision insurance and charge the entire rental cost to your card for reimbursement of theft and collision damage for most rental vehicles; coverage is secondary to your personal insurance in the U.S. (per Chase issuer product page)
• Purchase Protection: covers eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item (per Chase issuer product page)
• Extended Warranty Protection (Visa Signature benefit on the World of Hyatt Credit Card per the Chase Travel & Purchase Protection section; included via Visa Signature network benefits on this card)
• Visa Signature Concierge: 24-hour concierge service for tickets to top sports and entertainment events, dinner reservations, and gift recommendations (cardmembers responsible for the cost of any goods or services purchased; per Chase issuer product page)
• Chase Pay Over Time: split eligible purchases into fixed monthly payments at checkout with a fixed APR and term shown at the time of selection (per Chase issuer product page)
• Issued on the Visa Signature network (per Chase issuer product page network/Visa Signature Concierge reference), inheriting Visa Signature travel and purchase benefits in addition to the Chase issuer benefits
• Globalist status earning: the 5 complimentary Tier-Qualifying Nights per year plus 2 TQNs per $5,000 spend count toward Globalist (60 TQNs/year) and other World of Hyatt elite tiers; an authorized user does not receive these TQN credits (per Chase issuer product page)
• Airport lounge access: Not offered (the Chase World of Hyatt Credit Card product page lists no Priority Pass, Sapphire Lounge, or other airport lounge access among the card's benefits)
• Global Entry / TSA PreCheck / NEXUS application fee credit: Not offered (the Chase World of Hyatt Credit Card product page does not list any trusted-traveler application-fee statement credit, in contrast to premium Chase cards like Sapphire Reserve)
• Airline / hotel point transfer partners: Not applicable as a direct card benefit (this card earns World of Hyatt Bonus Points only, not Chase Ultimate Rewards transferable currency; World of Hyatt points themselves do not transfer outbound to airline or hotel partners, so there are no card-level transfer partners)
• Annual statement credit for Hyatt purchases: Not offered (unlike the World of Hyatt Business card's up-to-$100 in Hyatt statement credits, the personal World of Hyatt Credit Card product page does not list any anniversary-year Hyatt statement credit)
• 10% award redemption rebate after high spend: Not offered (the personal World of Hyatt Credit Card does not include the 10%-back-on-redemptions perk that the World of Hyatt Business card offers after $50,000 in calendar-year spend; per Chase issuer product pages for both cards)