Is the World of Hyatt credit card worth the annual fee?
Editor's Note
The World of Hyatt Credit Card (see rates and fees) has many fans and comes with a modest $95 annual fee, but does that mean it’s worth it?
This is the only personal cobranded credit card offering from World of Hyatt, so if you're loyal to the award-friendly hotel chain, you may want to consider it.
Here’s a look at what you get from the World of Hyatt card each year so you can make up your mind.
Welcome offer
New applicants for the World of Hyatt card can earn up to 60,000 points: 30,000 bonus points after spending $3,000 on purchases in the first three months from account opening and up to 30,000 more bonus points by earning 2 bonus points total per $1 spent in the first six months from account opening on up to $15,000 spent.
These bonus points are worth up to $1,020 per TPG's July 2025 valuations.
THE POINTS GUY
The most obvious way to redeem Hyatt points is for hotel stays with World of Hyatt. This includes not just hotels with “Hyatt” in the name, but other Hyatt brands like Small Luxury Hotels of the World as well. Hotel redemptions can include free night awards and Points + Cash payments.
You can also redeem points for dining, spa or meeting credits, Find Experiences, rental cars and room upgrades.
World of Hyatt uses a peak and off-peak award chart, meaning you’ll pay more points for hotel stays around the holidays and during busy travel seasons. Conversely, if you can travel at quieter times, you can redeem fewer points.
Off-peak pricing at Category 1 properties starts at just 3,500 points per night. Hyatt properties have eight different categories, with peak pricing at Category 8 properties topping out at 45,000 points per night.
You can also top up your World of Hyatt account with 1:1 transfers from Chase Ultimate Rewards. These points should transfer instantly.
Related: Best Hyatt Category 4 hotels, according to Globalists
Annual free night award
Each year on your cardholder anniversary, you’ll receive a free night award. It can be used at Category 1-4 hotels worldwide for one free night. It’s also worth pointing out that you won’t pay resort fees on award stays with Hyatt.
This benefit alone can justify the Hyatt card’s $95 annual fee since you can redeem your free night for $200 or more in value with minimal effort.
Related: The best Hyatt hotels in the world
Earn a second free night award
In addition to the complimentary free night award received each year, you can earn a second free night award (valid at Category 1-4 properties) by spending $15,000 on purchases in a calendar year on your card.
Related: Why I aim to spend $15K on my World of Hyatt Credit Card each year
Elite status and related benefits
As a cardholder, you’ll receive complimentary Discoverist status each year. This is the entry-level status tier in World of Hyatt, but it offers solid value and perks.
It offers complimentary bottled water during your stay, late checkout (when available) and preferred room upgrades within the same room category (when available).
Furthermore, you’ll also earn 10% bonus points on cash stays (5.5 instead of 5 points per dollar spent).
Earning Discoverist status typically requires staying at Hyatt properties for a minimum of 10 nights per year. Hyatt loyalists can likely attain Discoverist status on their own each year, but those who travel infrequently or are not loyal to one brand may not be able to do so. That can make this card's complimentary Discoverist status very appealing.
With the personal World of Hyatt card, you'll earn two tier-qualifying night credits toward status for each $5,000 spent on the card. Thus, spending the $15,000 on purchases to unlock the free night award (detailed above) would also yield an additional six tier-qualifying nights. There is no limit to the number of tier-qualifying nights earned through credit card spending.
Related: World of Hyatt card vs. World of Hyatt Business card
Other cardmember perks
In addition to the above, you’ll enjoy multiple travel protections, including:
- Auto rental collision damage waiver
- Baggage delay insurance
- Lost luggage reimbursement
- Trip delay reimbursement
- Trip interruption and cancellation insurance
You’ll earn World of Hyatt points on each purchase with your card. At Hyatt hotels, you’ll earn 4 points per dollar, and this is on top of the points you'll earn by being a part of Hyatt's loyalty program.
You’ll earn 2 points per dollar spent at restaurants and on commuting, fitness club and gym memberships, flights purchased directly from airlines and transit; and 1 point per dollar spent on other purchases.
These rates represent a 6.8%, 3.4% and 1.7% return on spending, respectively, based on TPG's July 2025 valuations.
You can do much better than a 1.7% return on everyday spending with other credit cards, but it’s worth considering how these purchases can be more valuable when helping you earn a bonus Category 1-4 free night award and tier-qualifying nights toward status each year.
Related: Which credit card should you use for Hyatt stays?
Bottom line
The complimentary free night you receive each year as a World of Hyatt cardholder should easily offset the $95 annual fee. Other benefits — such as the points-earning structure and complimentary elite status — vary in value depending on how you use them.
If you can maximize these benefits, the annual fee is easily worth it each year. If not, another card — perhaps one that offers straightforward cash back — may be better suited to your wallet.
To learn more, see our full review of the World of Hyatt card.
Apply here: World of Hyatt Credit Card
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits. (Partner offer)Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.