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Chase Visa

World of Hyatt Credit Card

World of Hyatt is the best mid-tier hotel cobrand on the market for actual hotel users: 4x at Hyatt on top of the program's 5x base equals 9x total, the free-night anniversary covers most Hyatt categories, and the $15k spend threshold for a bonus night is reachable for anyone who runs a small business on the card. Hyatt's loyalty program is the strongest in mid-luxury hotels and points consistently redeem at ~1.7-2 cents each, far above the industry average.

See current offer Issuer terms
World of Hyatt Credit Card card art
  • Annual fee
    $95
    $7.92/mo equivalent
  • Welcome offer
    60,000 points
    after $3,000 in 6 months
  • Recommended credit
    700-790
    Median 740. See why →

Earning rates

on World of Hyatt
  • 4x
    Hotels Resorts
  • 2x
    Airfare
  • 2x
    Dining
  • 2x
    Fitness
  • 2x
    Transit
  • 1x
    Everything else

Benefits and credits

Travel credits and perks

  • 1 Free Night Award (Anniversary)
  • 5 Tier-Qualifying Night Credits
  • Bonus Free Night After $15k Spend
  • Roadside Dispatch
  • Travel and Emergency Assistance Services

Purchase and protection benefits

  • Extended Warranty Protection
    Up to $10,000
  • Purchase Protection
    Up to $500 · 90d

Elite status conferred

  • world of hyatt
    Discoverist

Travel and purchase coverage

  • Baggage delay
    $500
    Delay threshold 6h
    Secondary coverage
  • Lost luggage
    $3,000
    Secondary coverage
  • Rental car collision damage waiver
    $60,000
    Secondary coverage
  • Travel accident insurance
    $500,000
    Secondary coverage
  • Trip cancellation and interruption
    $5,000
    Per trip $10,000
    Secondary coverage

Pricing and fees

Full Pricing and Terms
Purchase APR
19.24% to 27.74%
Foreign tx
None
Penalty APR (cap)
29.99%
Balance transfer
19.24% to 27.74%
Fee $5 or 5.00%, whichever is greater
Cash advance
28.49%
Fee $10 or 5.00%, whichever is greater
Late / returned
$40 · $40

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Not disclosed
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Not disclosed

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of May 14, 2026 Report an inaccuracy

Affiliate disclosure

ccdeck may earn a commission from links on this page. This does not affect our editorial rankings, and we will say so when the card we get paid on is not the best pick for you.

Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.