Chase · Hotel points · Visa

World of Hyatt: what it's really worth

The World of Hyatt has a $95 annual fee. For a typical household spending $2,070 a month, it's worth about $1,418 in year one and $518 each year after.

Annual fee$95

Sign-up bonus$90060,000 points after $5,000 in 3 mo

Net value · year 1$1,418

Net value · each year after$518

Usually split: 30,000 points after the first spend, more points on extra spending.

Calculate it with your own spending

Is the annual fee worth it?

Worth keeping after year one for typical spending: it nets about $12 a year more than the Hilton Honors Card, the best no-fee card for the same spending.

How you earn

Category	Rate	Value per $1	Per year*
Dining	2x	3.0¢	$108
Groceries	1x	1.5¢	$90
Hotels	4x	6.0¢	$58
Flights	2x	3.0¢	$36
Gas	1x	1.5¢	$27
Streaming	1x	1.5¢	$7
Everything else	1x	1.5¢	$162

*At typical monthly spending: dining $300, groceries $500, hotels $80, flights $100, gas $150, streaming $40, everything else $900. 4x at Hyatt; 2x on restaurants, airline tickets bought direct, transit and gyms.

Credits and perks

$150 annual free night — A Category 1–4 free night every anniversary. We count about $125 a year, since most people don't use every dollar.
Free hotel night each year
Automatic hotel elite status
Foreign transaction fee: none

Who it's for

Hyatt fans — Hyatt points are worth more than most hotel points
A yearly free night that covers the fee
Not ideal: Areas without many Hyatt hotels

Can I get it?

Recommended credit: Good
Chase rules: 5/24: usually denied if you've opened 5+ personal cards (any bank) in the last 24 months. The bonus may be unavailable if you've had this card before.
Visa: Accepted almost everywhere, including Costco warehouses (Visa only).

Check the current offer at Chase

Updated Oct 30, 2026.