0
Benefits0
Reward Categories—
Max Reward21.5%
APR FromBasic Information
PENDINGRewards Program (Detailed)
No Reward Data Available
Click "Get Data" button below to fetch reward information for this card.
Rewards Summary
PENDINGReward Type: Hyatt Points
Base Rate: 1x
Bonus Rate: 4x
Categories: 4x Hyatt Hotels & Resorts, 2x Restaurants, 2x Airline Tickets (direct), 2x Local Transit & Commuting, 2x Fitness Clubs & Gym Memberships
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points expire after 24 months of inactivity.
Point Value: 0.02¢
Travel Portal Multiplier: 1x
Transfer Partners: None - Points are specific to Hyatt
Redemption Penalties: Standard Hyatt redemption policies apply (e.g., cancellation policies for award stays).
Benefits & Protections (Detailed)
No Card Benefits Available
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Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Hotel Status: World of Hyatt Discoverist
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $15,000 in 180 days
Timing: Bonus points typically post to your World of Hyatt account 6 to 8 weeks after you meet the spending requirement, often appearing after the statement closing date.
Fee Structure
PENDING| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.49% - 28.49%
Balance Transfer APR: 21.49%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 0 months
Intro BT APR: 0% for 0 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: To be eligible for the World of Hyatt Credit Card, applicants must meet Chase's 5/24 rule, meaning they cannot have opened 5 or more personal credit card accounts across all issuers in the past 24 months. Furthermore, applicants are not eligible for the new cardmember bonus if they currently have any World of Hyatt credit card or have received a new cardmember bonus for any World of Hyatt credit card in the past 24 months. General eligibility requires applicants to be 18 years or older (19 in AL/NE), a U.S. resident, and possess an excellent credit history.
Max Cards Per Issuer: 0
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' is the Chase 5/24 rule, which will result in automatic denial if an applicant has opened 5 or more personal credit card accounts in the last 24 months. Additionally, within the Hyatt card family, eligibility for a new cardmember bonus is restricted if the applicant currently holds any World of Hyatt credit card (e.g., personal or business) or has received a bonus for any World of Hyatt credit card in the past 24 months. This means holding or having recently received a bonus for the World of Hyatt Business Credit Card would make one ineligible for the personal card's bonus.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 4.2 / 5.0
Top Positive:
Excellent value for Hyatt loyalists, includes annual free night certificate, good sign-up bonus, path to elite status, strong earning on Hyatt stays.
Top Negative:
Annual fee, limited redemption options outside of Hyatt, lower earning rate on non-bonus categories compared to some general travel cards.
Approval Experience: 78.5 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Marriott Bonvoy Boundless Credit Card
- Hilton Honors American Express Surpass Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $699.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: 01/01/2024