World of Hyatt
Chase$95 a yearVisa SignatureNo foreign transaction feeIssuer's page
Wait for a bigger offer if you can: a higher one ran recently.
Already have it? Keep it.
Welcome bonus
30,000points
after $3,000 in purchases in the first 3 months
Lower than the offer of up to 60,000 points we last recorded in January 2026.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values; a gated item counts only if its condition is met.
| First-year value | Amount |
|---|---|
| Welcome bonus30,000 points at 1.5¢ | $450 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$56 |
| Credits you'll likely useof $240 face value | +$74 |
| World of Hyatt free nightEarned after $15,000 in card spend in a calendar year | +$87 |
| Annual fee | −$95 |
| Meeting the $3,000 minimumearns 1.5% here vs 2% on Double Cash | −$15 |
| First year | $557 |
| Each year after | +$548 |
Not counted in the first year: status, anniversary free nights and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Dining | 3% |
| 2X | Flights booked directly with airlines | 3% |
| 2X | Transit | 3% |
| 4X | Hyatt purchases | 6% |
| 1X | Everything else | 1.5% |
+ 2 more rates
| Rate | Category | Return |
|---|---|---|
| 4X | Mr & Mrs Smith purchases | 6% |
| 2X | Fitness clubs and gym memberships | 3% |
Noteworthy perks
- World of Hyatt free nightArrives on your card anniversary, after the first year
- Instacart$120 a year
- World of Hyatt Discoverist
- DoorDash Grocery/Retail, monthly$120 a year
Personal card · Earns World of Hyatt
Where this card ranks
What this card returns on each page, priced against what its points are worth. Open a page to see the card it crowns and why.
Benefits
Credits & Perks (2)
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on Instacart orders with active Instacart+ membership (enroll by 12/31/27; coupons end 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Elite status (3)
- World of Hyatt: Discoverist
- World of Hyatt: 5 elite night credits annually
- World of Hyatt: 2 elite night credits for every $5K spend
Protections (7)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption, up to $5,000, Up to $5,000 per person for non-refundable trip costs
- Trip Delay, up to $500, Up to $500 per ticket for delays over 12 hours or requiring overnight stay
- Baggage Loss/Delay, up to $3,000, Up to $3,000 per trip for lost/delayed baggage
- Purchase Protection, up to $500, 120 days coverage for theft/damage/involuntary parting up to $500 per claim
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original)
- Auto Rental Collision Damage Waiver (secondary), Secondary coverage for collision damage and theft up to the actual cash value of most rental vehicles; primary outside the US
Other Perks
- Free Category 1-4 night certificate annually
- Second Category 1-4 night certificate after $15K calendar year spend
- Complimentary Instacart+ membership for 3 months (enroll by 12/31/27)
- Complimentary DoorDash DashPass for 12 months (enroll by 12/31/27)
- Award bookings up to 13 months in advance (one month before general members)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to World of HyattOct 8, 2026
- changed from 45K points after $5K in spend within the first 3 months, plus an extra 1 point/dollar on up to $15K spend within the first 6 months to 30K bonus points after $3K in spend within the first 3 months, plus an extra 1 point/dollar on up to $15K spend within the first 6 monthsAug 20, 2026
- changed from 5000 to 3000Aug 20, 2026
- changed from null to 5000Aug 13, 2026
- changed from null to 90Aug 13, 2026