Points · Visa · $95 annual fee
Last verified 2026-09-09. Review issuer source
Chase World of Hyatt is a $95-a-year points card from Chase. Its best everyday rates are 2x on airfare, 2x on dining, and 2x on fitness clubs; everything else earns 1x. There is also 9x on Hyatt, a single-merchant rate. Rewards are World of Hyatt Loyalty Program points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it earns $104, which clears the $95 fee with $9 to spare before any credits or perks. The welcome bonus, 30,000 points after $3,000 in 3 months, adds to the first year's return.
Get it if you already fly or stay with World of Hyatt Loyalty Program often enough to use the free night. A general travel card earns points that go more places.
2 Bonus Points per $1 spent on airline tickets purchased directly from the airline
2 Bonus Points per $1 spent at restaurants
2 Bonus Points per $1 spent at fitness club and gym memberships
Up to 9 total Points per $1 - 4 Bonus Points per $1 spent on purchases at all Hyatt hotel. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member.
2 Bonus Points per $1 spent on local transit and commuting
30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening* and up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Earn 2 additional qualifying night credits every time you spend $5,000 on your card.
You receive 5 qualifying night credits towards your next tier status every year.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance.
Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Receive one free night at any Category 1'4 Hyatt hotel or resort every year after your cardmember anniversary. Plus, an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year.
If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger.
Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account.
If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Get complimentary Visa Signature® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift.
Receive World of Hyatt Discoverist status for as long as your account is open.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Get free access to Dovly Uplift. Dovly helps you raise your credit score and get more for your money. While Dovly's platform is designed to remove inaccuracies from your credit report, every case is different, and not everyone will achieve the same results.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Eligible Visa cardholders can now use the GigSky app to access complimentary or discounted global mobile data, in 175+ countries and destinations worldwide as well as on over 200 of the world’s top cruise ships.
When you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Get exciting benefits at Universal Studios Hollywood and Universal Orlando Resort when you pay with your Visa Signature® or Visa Infinite® card.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| World of Hyatt Credit CardThis card · 2x on airfare | $95 | $104 | +$9 | 1057th of 1,291 |
| Chase Freedom Unlimited® Credit CardChase's most-held other card · 3% on dining | None | $528 | +$528 | 276th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
