Chase World Of Hyatt Review 2026
World Of Hyatt is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$205
Rewards + bonus - fee - interest drag
Ongoing year
+$205
Excludes one-time welcome offer
SwitchWize take
Rewards credit card
Bonus value
See terms
Everyday rewards
1x points
Up to 9x in some categories
Annual fee
$95
APR
19.49% to 27.99%
Quick summary
What this card is, in plain words
World Of Hyatt has a $95 annual fee and a variable purchase APR of 19.49% to 27.99%. It earns 1x points on everything else, and more on 7 categories (the highest is 9x points on hyatt stays).
What to consider
- The $95 annual fee is charged every year, so the rewards have to be worth more than that.
- The APR is 19.49% to 27.99% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
No standout advantages in the data we track.
- Annual fee: $95
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $95
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Greater of $5 or 5% of each transfer
- Cash advance fee
- Greater of $10 or 5% of each advance
- Late payment fee
- Up to $40
- Authorized user fee
- Not verified yet
Earning rates
What you earn, by purchase type
Hyatt stays
9x points
Qualifying purchases at hyatt hotels
4x points
Dining
2x points
Airfare
2x points
Transit
2x points
Restaurants
2x points
Fitness club and gym memberships
2x points
Everything else
1x points
Fee Reality
What the credits on this card are actually worth
This card advertises $0 in annual credits. We scored how hard each credit is to use: signing up, how often it resets, which stores it works at, and how you redeem it. We estimate a typical cardholder realizes about $0 (0%) of that value against a $95 annual fee.
Net estimated cost after credits: $95/yr
Our verdict: close call — worth a manual review against your own usage.
Confidence grade C — an estimate from our scoring model, not a survey. See how we worked this out.
Points value
What World of Hyatt points are actually worth
This card earns World of Hyatt points, currently valued at 1.60¢/point based on a sourced editorial estimate — not a marketed "up to" number.
Marketed value. See the full World of Hyatt program page or the full valuation methodology.
Reality Score
What this card is really worth, by spend profile
Reality Score compares this card's advertised first-year value against what our model estimates a typical cardholder actually realizes in rewards and credits, net of the annual fee — not a marketing score.
High, diversified spender
No advertised credits to compare against
Frequent traveler
No advertised credits to compare against
Typical everyday spender
No advertised credits to compare against
Light everyday spender
No advertised credits to compare against
Point value uses a marketed/editorial estimate — no observed or sourced redemption data exists for this program yet.
Reality Score is currently scored for a subset of cards, not the full catalog. See the Reality Score methodology for how this is calculated across spend profiles.
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), APR range moved from 19.24%–27.74% to 19.49%–27.99%. Tracked since Jun 21, 2026 across 14 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Full change history (2 changes tracked) →
- Oct 4, 2026 — APR range moved from 19.24%–29.99% to 19.49%–27.99%.
- Aug 24, 2026 — APR range moved from 19.24%–27.74% to 19.24%–29.99%.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$95 annual fee
19.49%-27.99% variable
Verify spend requirement
Chase terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The $95 annual fee needs to be offset by rewards, credits, or travel value.
Comparison set
Other cards to compare first
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the World Of Hyatt?
The World Of Hyatt has a $95 annual fee, according to Chase's page checked Nov 13, 2026.
How do I earn rewards with the World Of Hyatt?
9x points on hyatt stays; 4x points on qualifying purchases at hyatt hotels; 2x points on dining; 2x points on airfare; 2x points on transit.
What is the APR on the World Of Hyatt?
The purchase APR is 19.49% to 27.99%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://creditcards.chase.com/travel-credit-cards/world-of-hyatt · checked Nov 13, 2026
Earning rates
https://creditcards.chase.com/ · checked Jun 21, 2026
Earning rates
https://creditcards.chase.com/travel-credit-cards/world-of-hyatt-credit-card · checked Nov 5, 2026
We could not verify the foreign transaction fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is World Of Hyatt worth it?
World Of Hyatt is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term