Highlights

  • Effectively no annual fee if you keep it long term.
  • Each cardmember year you receive 1 Category 1–4 Hyatt Free Night Award, plus another after USD 15,000 in annual spend.
  • The primary cardmember has World of Hyatt Discoverist while holding the card, and status progress starts with 5 Tier-Qualifying Night Credits each year.
  • Eligible Hyatt spend earns 4x World of Hyatt Bonus Points; dining, airline tickets bought directly from the airline, local transit and commuting, and gyms earn 2x.
  • No foreign transaction fee; annual fee USD 95.
World of Hyatt Credit Card

Issuer: Chase
Network: Visa Signature®
Card type: Credit card
Annual fee: USD 95; no annual fee for authorized-user cards
Foreign transaction fee: None

Rewards are World of Hyatt Bonus Points. If you are not already a World of Hyatt member after approval, Chase enrols the primary cardmember; after each billing cycle, points earned on the card transfer automatically into the primary cardmember’s World of Hyatt account.

Welcome Offer

【September 15, 2026 update】 60,000 World of Hyatt Bonus Points:

  • Spend USD 3,000 in the first 3 months for 30,000 World of Hyatt Bonus Points.
  • During the first 6 months, spend that would otherwise earn only 1x can earn a total of 2x, on up to USD 15,000 in purchases: up to 30,000 extra World of Hyatt Bonus Points.
  • Eligibility: current holders of this card, and former cardmembers who received a new-cardmember bonus for this card in the past 24 months, are not eligible for this welcome offer. After you qualify, the account must remain open and not in default; Chase says points typically post 6–8 weeks after you qualify, and if the account has been open for less than 6 months, Chase and Hyatt may deduct the bonus points.

Official application link 🔗

Application requirements: the public terms on the official site require applicants to be at least 18 (19 in Alabama and Nebraska; 21 in Puerto Rico), with a valid permanent address in the 50 U.S. states, Washington, D.C., Guam, Puerto Rico, or the U.S. Virgin Islands, or a U.S. military address.

Past welcome offers

【January 22, 2026 update】 A joint DoorDash promotion, through April 22:

  • 3x points on cobrand-card spend at DoorDash restaurants
  • 2x points on cobrand-card spend at DoorDash
  • Half off the first DoorDash order (up to USD 10) when staying at a Hyatt in the United States
  • Complimentary DashPass membership through the end of 2027

【January 16, 2026 update】 Apply by February 26, 2026, for 5 Category 1–4 Free Night Awards:

  • Spend $5,000 in the first 3 months for 3 Free Night Awards
  • Spend $15,000 in the first 6 months for 2 more Free Night Awards

【January 18, 2024 update】 65,000 points:

  • Spend $3,000 in the first three months for 35,000 points
  • Spend of $15,000 in the first six months earns 2x extra, for another 30,000 points

Everyday Spending

4x: eligible purchases at Hyatt hotels and resorts participating in World of Hyatt, plus World of Hyatt Experiences. World of Hyatt members can also earn up to 5 Base Points from the programme itself on eligible Hyatt spend; the official “up to 9x” includes that membership Base Point earn, not 9x issued entirely by the credit card.

2x: restaurant purchases (excluding Hyatt dining that already earns 4x), airline tickets purchased directly from an airline, local transit and commuting (taxis, public transit, tolls, parking, rideshare), and fitness-club and gym memberships. The issuer site does not publish a cap.

1x: other eligible purchases. The issuer site does not publish a cap; balance transfers, cash advances and other cash-like transactions, gambling, account-access cheques, interest, fees of any kind (including the annual fee), and unauthorized or fraudulent charges do not earn points.

Benefits & Insurance

  • Annual Free Night Award

If the primary card account is open and not in default when the award is issued, you receive 1 Category 1–4 Free Night Award after each cardmember anniversary, typically within 10 weeks after the anniversary. The award can be redeemed for an available standard room within 12 months of issue; it cannot be used at other categories, Miraval, Hyatt Zilara, Hyatt Ziva, or packages. When you redeem this award, resort, destination, or facility fees are waived except at Hyatt Residence Club, though independent service fees charged by the hotel may still apply.

  • Free Night Award After USD 15,000 in Purchases

If the primary cardmember completes USD 15,000 in eligible purchases in a calendar year, you receive 1 extra Category 1–4 Free Night Award, typically within 8 weeks of qualifying. Its validity, standard-room availability, 12-month redemption window, and excluded hotels/packages match the anniversary Free Night Award.

  • Discoverist Status

The primary cardmember has Discoverist while the primary card account is open, not in default, and compliant with World of Hyatt terms; status is written to the World of Hyatt account within 8 weeks of opening. Authorized users do not receive this status or related perks from holding an additional card.

  • 5 World of Hyatt Tier-Qualifying Night Credits Each Calendar Year

The primary cardmember receives 5 Tier-Qualifying Night Credits within 8 weeks of opening, then within 8 weeks of each January 1, provided the account is open, not in default, and the programme account is in good standing. The nights are valid only in the calendar year they are issued and cannot be used as Free Night Awards.

  • Earn Additional World of Hyatt Tier-Qualifying Night Credits For Every USD 5,000 in Purchases

The primary cardmember earns 2 Tier-Qualifying Night Credits for every USD 5,000 in eligible purchases; the official site does not list a cap. Nights count toward the calendar year of that spend and typically post within 8 weeks after the last day of the qualifying month; authorized users do not receive nights in their own names.

  • Complimentary DashPass

First activate between February 1, 2025, and December 31, 2027, and receive 12 consecutive months of DashPass on DoorDash and Caviar. You must activate with a U.S. address, set this card as the default payment method, and pay eligible orders with this card; after the complimentary period, membership renews automatically at the then-current monthly rate unless you cancel.

  • Earn Up to USD 10 Off Quarterly on DoorDash Non-Restaurant Orders

After activating DashPass, one eligible DoorDash non-restaurant order each calendar quarter can receive up to USD 10 off through December 31, 2027. The discount applies only to the subtotal, excluding fees, tax, and tip; unused value on the same order is forfeited and does not roll over. You must check out with the enrolled card, and the offer is limited to the United States.

  • Visa Signature Concierge Service

Cardmembers can use Visa Signature® Concierge 24 hours a day for help finding event tickets, restaurant reservations, or gifts; you remain responsible for the cost of goods and services purchased through the service.

Official insurance certificate 🔗

  • Auto Rental Coverage

You must initiate and complete the entire rental transaction with this card and/or redeemable rewards, and decline the rental company’s CDW/LDW. Eligible rentals are covered for theft or collision, plus substantiated loss-of-use, administrative fees, and reasonable towing, up to USD 60,000; consecutive rentals may last up to 31 days. Coverage is usually secondary in the U.S. if other insurance exists, and primary outside the U.S. where available; bodily injury, liability, personal belongings, depreciation, vehicles with a suggested retail price above USD 125,000, and many specialty vehicles are not covered. Report within 100 days of the incident and submit documents within 365 days.

  • Baggage Delay Insurance

If this card and/or redeemable rewards pay all or part of a common-carrier fare and checked baggage is delayed or misdirected by the common carrier at the destination for more than 6 hours, you can be reimbursed for essential personal items at up to USD 100 per day for up to 5 days; this is secondary coverage. Report to the carrier before leaving the airport or station; file within 20 days of the delay and submit documents within 90 days. Jewellery, cameras and other electronics, sports equipment, cash, and documents are not covered.

  • Lost Luggage Reimbursement

If this card and/or redeemable rewards pay all or part of a common-carrier fare and checked or carry-on baggage is lost, damaged, or stolen while in the carrier’s care, you can receive secondary reimbursement for the actual-cash-value difference after the carrier pays, up to USD 3,000 per covered traveller per trip; jewellery/watches and cameras/other electronics each have a USD 500 sublimit. Report to the carrier, file within 20 days, and submit documents within 90 days; items left on the carrier, cash, tickets, and furs are not covered.

  • Travel Accident Insurance

If this card and/or redeemable rewards pay all or part of a common-carrier fare and a covered traveller dies accidentally or loses a limb, sight, speech, or hearing while travelling, Common Carrier Travel Accident coverage of up to USD 500,000 or 24-hour Travel Accident coverage of up to USD 100,000 may apply; if both apply, only the higher amount is paid. Trips are generally covered for up to 30 days, and the loss must occur within 1 year of the accident; file within 20 days and submit documents within 90 days. Illness, pregnancy, illegal acts, professional sport, suicide, and war are among the exclusions.

  • Trip Cancellation and Interruption Insurance

If this card and/or redeemable rewards pay all or part of prepaid trip costs and the trip is cancelled or interrupted for a listed reason such as illness, injury, death, or severe weather, you can receive secondary reimbursement of the lesser of USD 5,000 per traveller, USD 10,000 per trip, USD 20,000 per account per 12 months, or the amount actually paid. Trips may last up to 60 days; voluntary changes of plan, pre-existing conditions within 60 days before deposit or booking, supplier insolvency, and some pandemic/border-closure situations are among the exclusions. File within 20 days of the cancellation or interruption and submit documents within 90 days.

  • Trip Delay Reimbursement

If this card and/or redeemable rewards pay all or part of a common-carrier fare and a delay of more than 12 hours or an overnight stay is caused by equipment failure, severe weather, a strike, or hijacking, reasonable meals, lodging, toiletries, and medication can be reimbursed at up to USD 500 per covered traveller per trip; this is secondary coverage. File within 60 days of the delay and submit documents within 100 days.

  • Purchase Protection

Eligible new merchandise paid in full or in part with this card and/or redeemable rewards is covered for theft, damage, or involuntary, accidental loss of possession within 120 days of purchase (90 days in New York). Secondary reimbursement is the lesser of the repair cost, a like-kind replacement, the amount charged/redeemed, and USD 500 per item; the per-account maximum is USD 50,000. File within 90 days and submit documents within 120 days; used goods, vehicles, software, resale or business-use items, unexplained disappearance, items in a common carrier’s care, perishables, and normal wear are not covered.