Is the World of Hyatt Credit Card worth $95/yr?
The honest math on the World of Hyatt Credit Card: which credits you'd actually use, 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 (10)
- 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.
- 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.
Card data verified against Chase on 2026-08-20.
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