The World of Hyatt card's best argument is its annual free night at any Category 1 to 4 Hyatt hotel, which can easily outweigh the $95 annual fee on its own, with a second free night available after $15,000 in spend in a cardmember year. Day to day it earns 4 points per dollar at Hyatt properties and 2x on dining, airline tickets bought directly, local transit, and gym memberships, plus automatic Discoverist status and 5 qualifying night credits each year. The welcome offer is worth reading closely: it briefly rose to 75,000 points this summer before dropping back to 60,000, and the full amount requires earning an extra point per dollar on up to $15,000 of spending over 6 months, with only 30,000 points coming after the first $3,000. Everything outside the bonus categories earns just 1x, so this is not an everyday spending card. Carry it for the free night and the Hyatt earn, and keep a stronger card for general purchases.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels At Hyatt hotels, up to 9x total with World of Hyatt membership | 4x |
Dining | 2x |
Airlines Purchased directly from airlines | 2x |
Transit | 2x |
Gyms/Fitness Centers Fitness club and gym memberships | 2x |
Everything Else | 1x |
Card details
Regular APR | 19.24%–27.74% variable |
Foreign transaction fee | None |