Who it's for
Free hotel nightsTravel credits & perks
World of Hyatt
Annual free night certificate routinely exceeds the $95 fee at any decent Category 4 Hyatt (Park Hyatts often go for $300-700/night cash). Hyatt points worth ~1.8 cents each — some of the highest-value hotel points. Chase transfer partner at 1:1.
$938/yrest. value at typical spending
$95annual fee
$0yearly credits
$95fee after credits
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| Category | Rate | Typical spend |
|---|---|---|
| Dining | 2x | $400/mo |
| Groceries | 1x | $600/mo |
| Flights & hotels | 2.2x | $300/mo |
| Rent | 1x | $2,500/mo |
| Gas & transit | 2x | $150/mo |
| Streaming | 1x | $80/mo |
| Online shopping | 1x | $200/mo |
| Everything else | 1x | $600/mo |
Rates are what our model counts per dollar. Brand-specific bonuses (like a hotel card at its own hotels) are blended, since most people don't put all category spending with one brand. Typical spending here means our quiz defaults: $4,830 a month, including $2,500 rent or mortgage. Points are valued at 1.5¢ each (travel portal redemption); transferring to airline or hotel partners can be worth more.
Rewards and perks
Points, 1 transfer partner
- Up to 9x at Hyatt hotels (4x card + 5x World of Hyatt member base rate)
- 2x at restaurants worldwide
- 2x on flights booked directly with airlines
- 2x on local transit and commuting
- 2x on fitness clubs and gym memberships
- 1x on everything else
- Annual free night certificate at a Category 1-4 Hyatt property (worth $200-400+/night)
- Second free night certificate at Category 1-4 after spending $15,000 in a calendar year
- Complimentary Hyatt Discoverist status (premium Wi-Fi, late checkout, 10% bonus points)
- 2 qualifying night credits toward elite status every $5k spent (up to 5 per year)
- No foreign transaction fees
Transfer partners
World of Hyatt
Head-to-head
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