World of Hyatt Credit Card
Basic Information
Program ID: the-world-of-hyatt-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 17:51
Last Scraped: 01/15/2026 07:26
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $95.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| 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
Purchase APR Range: 2,149.00% - 2,849.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,149.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $15,000.00
Time Period: 180 days
Bonus 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.
Rewards Program
Reward Type: Hyatt Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x Hyatt Hotels & Resorts, 2x Restaurants, 2x Airline Tickets (direct), 2x Local Transit & Commuting, 2x Fitness Clubs & Gym Memberships
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points expire after 24 months of inactivity.
Transfer Partners: None - Points are specific to Hyatt
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Hotel Status: World of Hyatt Discoverist
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: 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.
Maximum Cards Per Issuer: 0
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all Chase cards, rapid application for multiple cards, sudden unusual spending patterns, payment defaults, abuse of return policies, or suspected fraud.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.2 / 5.0
Top Positive Feedback:
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 Feedback:
Annual fee, limited redemption options outside of Hyatt, lower earning rate on non-bonus categories compared to some general travel cards.
Approval Experience Score: 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
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 60% General / 40% Co-brand
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 01/01/2024