World of Hyatt Credit Card
Issued by Chase · $95/yr annual fee
Welcome bonus
30,000 points
After $3,000 spend in 3 months
Up to 60K total: 30K base after $3K in 3 mo, plus up to 30K more via 2x on otherwise-1x categories during first 6 mo (capped at $15K spend).
Key benefits
- ›1 free night certificate annually (Cat 1–4 property)
- ›Discoverist status + qualifying nights toward higher tiers
- ›5 qualifying night credits per year just for having the card
- ›No foreign transaction fees
Earn rates
| Hyatt hotels | 4× |
| Fitness clubs & gym memberships | 2× |
| Dining + cafes | 2× |
| Airlines (direct) | 2× |
| Local transit + commuting | 2× |
| All else | 1× |
Why this card
The free night cert alone is worth more than the AF at most Cat 1–4 properties. The 5 qualifying night credits per year accelerate Globalist status. Strong complement to Chase Sapphire (both are Chase cards, but both can be held within 5/24).
Used in these itineraries
Italy 13-night grand tour: cash one-way out, Polaris home for 80K UA miles
A savvy itinerary built on points and miles: Florence → Tuscany → Cinque Terre → Amalfi → Munich, 13 nights, ending in Polaris business class on miles. We ran it in shoulder-season March; the one-way arbitrage (~$559 cash out, 80K UA miles open-jaw home from Munich) holds up in summer too at last check.
Park Hyatt Tokyo + Park Hyatt Kyoto + the Kumano Kodo: 12 nights in Japan on points
A savvy itinerary built on points and miles. Tokyo → Kyoto → Wakayama for four onsen-to-onsen nights on the 1,000-year-old Kumano Kodo pilgrimage trail. The play: two Park Hyatts booked the moment the 13-month award window opens, Polaris on UA miles both directions, and the cultural reset most luxury Japan trips never make room for.
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The Sapphire Reserve looks scary at $795 a year. After six months of using mine in 2026, I've already pulled $1,700+ in credits, banked a 150K-point welcome bonus (the all-time-high public offer, ending soon), and booked a 4-night stay at a Park Hyatt that runs over $2,000 a night cash. Here's the playbook.
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