World of Hyatt Credit: is the $95 fee worth it?

The honest math on the World of Hyatt Credit Card: what its points earn beyond a plain 2% card and what its protections would cost to buy — against the $95 annual fee.

Chase · $95 annual fee · earns World of Hyatt points

Earning rates

4x Hyatt hotels & resorts
2x Restaurants
2x Airfare booked direct from airlines
2x Local transit & commuting
2x Fitness clubs & gym memberships
1x Everything else

Certificates (2)

Annual Category 1–4 Free Night — One free night at any Category 1–4 Hyatt each cardmember anniversary year.
Second Category 1–4 Free Night ($15k spend) — A second free night at any Category 1–4 Hyatt after $15,000 in purchases in a calendar year.

Protections and perks (11)

World of Hyatt Discoverist Status — Automatic Discoverist elite status for as long as the card is open — 10% bonus points on stays, 2pm late checkout, preferred rooms.
Elite Qualifying Night Credits — 5 tier-qualifying night credits every year, plus 2 more per $5,000 spent on the card.
Trip Cancellation / Interruption — Up to $5,000 per covered traveler ($10,000 per trip) for prepaid, non-refundable travel cancelled for covered reasons.
Trip Delay Reimbursement — Up to $500 per ticket when common-carrier travel is delayed more than 12 hours or overnight.
Baggage Delay Insurance — Up to $100 a day (up to 5 days) for essentials when bags are delayed over 6 hours.
Lost Luggage Reimbursement — Up to $3,000 per covered traveler for checked or carry-on bags lost, damaged, or stolen.
Travel Accident Insurance — Up to $500,000 in accidental death or dismemberment coverage when air, bus, train, or cruise transportation is paid with the card.
Secondary Rental Car Coverage — Collision/damage coverage on rentals paid with the card — secondary to your personal auto policy in the US.
Purchase Protection — New purchases covered 120 days against damage or theft, up to $500 per claim.
Extended Warranty — Adds a year to eligible manufacturer warranties of 3 years or less.
No Foreign Transaction Fees — No surcharge on purchases abroad.

Recent changes to this card's data

2026-08-28 — World of Hyatt Credit Card

Added Travel Accident Insurance (up to $500,000 on carrier fares paid with the card) — a real benefit of the card that was missing from our data. Per chase.com's travel-protection page.
Verified accurate otherwise — fee, both free-night certificates, earning rates, status benefits, and coverage ceilings re-confirmed against chase.com.

2026-08-20 — World of Hyatt Credit Card

Added world-of-hyatt (new card, $95 fee — first hotel co-brand in the dataset), researched from chase.com (card landing page + travel-protection page) with US Credit Card Guide, Upgraded Points, and WalletHub cross-checks (issuer page, Chase protections, USCCG).
Anniversary Category 1–4 free night valued at a $200/yr market anchor (typical cat 1–4 nights run $150–250) behind a yes/no "would you actually use it?" question, so it enters your total only if you say yes. The $15k-spend second free night was initially described but not valued; certificates and spend gates gained real mechanics in later updates.
Elite-night credits (5/yr + 2 per $5k spend) valued through a free-form "$/yr if you chase status" question — never auto-priced. Discoverist status gets the same treatment.
Earning: 4x Hyatt (Hyatt-only, so shown but not auto-counted against general hotel spend; the "9x" marketing includes ~5x member base points anyone earns), 2x restaurants, 2x airfare direct, 2x local transit/commuting, 2x fitness clubs, 1x else (issuer page, USCCG).
Coverages (issuer-confirmed on the Chase protections page): trip cancellation/interruption $5k/traveler $10k/trip, trip delay $500/ticket (12+ hr), baggage delay $100/day 5 days (6-hr trigger), lost luggage $3k/traveler, secondary rental CDW; purchase protection $500/claim $50k/account (120 days) and extended warranty (+1yr, ≤3yr warranties) from WalletHub only; no FTF (Chase, WalletHub).
Points presets (proposals): 1.5¢ typical award stays (default), 2.0¢ optimized redemptions; no cash floor exists — Hyatt points can't be cashed out, and the preset descriptions say so.
Not included: the sign-up bonus (out of scope) and Visa concierge (nothing honest to value).

2026-08-21 — World of Hyatt Credit Card

Valuation upgrade; no fee or fact changes.
The anniversary Category 1–4 free night is now a proper certificate (same value anchor and usage question).
The $15,000-calendar-year-spend second free night is now its own valued certificate, locked until your counted spend reaches the threshold — previously it was described in the fine print but never worth anything in the math. Same $200/yr anchor.

Card data verified against Chase on 2026-08-28.

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