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Card Economics
- Annual Fee
- $95
- Ongoing Annual Value
- $215
- First-Year Value Estimate
- $340
- Net Value
- +$120
Card type: PersonalForeign transaction fee: NoneCurrency: World of Hyatt
Sign-up Bonus
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 months
Am I eligible?Earning Structure
4XHyatt purchases6%
4XMr & Mrs Smith purchases6%
2XDining3%
2XFitness clubs and gym memberships3%
2XFlights booked directly with airlines3%
2XTransit3%
1XAll other purchases1.5%
Highlighted categories return more than 2%, the rate a flat 2% cash-back card pays on everything.
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
Worth it for me?Credits & Perks (2)
- Instacart: $10 (Monthly)
Monthly credit on Instacart orders with active Instacart+ membership (enroll by 12/31/27)
- DoorDash Grocery/Retail (non-restaurant): $10 (Quarterly)
Quarterly credit on non-restaurant DoorDash orders with DashPass (activation required, through 12/31/27)
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)