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Terms read from Chase's page on Oct 16, 2026.
Year 1, after fees
estimated value, about $1,318, based on 1.5 cents per point
Year 2+, after fees
estimated value, about $643, based on 1.5 cents per point
every year after
3 years, after fees
estimated value, about $2,604, based on 1.5 cents per point
Break-even
Month 1
Earn rate by category
Points at 1.50¢ each (lowest published value); published range 1.5¢ to 1.65¢. Source: The Points Guy monthly valuations, October 2026.
All values are after each card's annual or monthly fee, and foreign transaction fees when you set foreign spending. Additional-card fees and memberships some benefits need (such as Amazon Prime or Instacart+) aren't included.
Values for points and miles are estimates based on published redemption valuations; actual value depends on how you redeem.
On each spending preset
After fees; points at their cash value. "~" marks estimates.
| Spending | Year 1 | Year 2+ | 3 years | Break-even |
|---|---|---|---|---|
| Student ($985/mo) | ~$129 | ~$129 | ~$387 | Month 6 |
| Couple ($2,555/mo) | ~$1,152 | ~$477 | ~$2,106 | Month 2 |
| Family ($3,350/mo) | ~$1,318 | ~$643 | ~$2,604 | Month 1 |
| Frequent traveller ($3,880/mo) | ~$1,629 | ~$954 | ~$3,538 | Month 1 |
| Big spender ($7,960/mo) | ~$2,517 | ~$1,842 | ~$6,200 | Month 1 |
Who it suits
- People who spend a lot on dining and flights, where it earns above its base rate.
- Even light spenders: on a student's $985 a month it still earns back its fee.
- Spending abroad: no foreign transaction fee.
Who should skip it
- Nothing stands out on the presets; check it against your own spending.
Fees and rates
- Annual fee
- $95
- Foreign transaction fee
- None
- Purchase APR
- 19.49% to 27.99% (variable)
Rewards
- 4x on hyatt hotels (assumed half of your hotel spending)
- 2x on restaurants, airline tickets bought from the airline, local transit, gym memberships
- 1x on everything else
Eligibility and availability
- Income
- None published
Published requirements only. We don't estimate approval odds.
Assumptions
- Point value: World of Hyatt points at 1.50 cents each: no redemption style chosen, so its lowest published value (it has no cash redemption). Source: The Points Guy monthly valuations, October 2026.
- Welcome bonus: 30,000 points after $3,000 in the first 3 months, plus up to 30,000 more from 2x on everyday purchases in the first 6 months. Your spending meets it in month 1.
- Note: The second part of the offer (2x on up to $15,000 in 6 months) is counted only if your spending reaches $15,000 in 6 months.
Not counted or not confirmed
- The anniversary Category 1–4 free night isn't valued: Chase doesn't state its points value
Perks, listed but not valued
- Discoverist status
- 5 tier-qualifying night credits a year
Earns more every year after year 1
On a family's spending, these keep more value from year 2 than this card's ~$643.
Chase IHG One Rewards PremierYear 2+ ~$1,243
Wells Fargo One Key CardYear 2+ $864
Chase Marriott Bonvoy BoundlessYear 2+ ~$809
Frequently asked questions
Is the Chase World of Hyatt worth it?
On a family's spending ($3,350 a month, points at their cash value), it's worth ~$1,318 in year 1 and ~$643 a year after that, after a $95 annual fee. It covers its fee by month 1.
What is the Chase World of Hyatt welcome offer?
30,000 points after $3,000 in the first 3 months, plus up to 30,000 more from 2x on everyday purchases in the first 6 months.
Does the Chase World of Hyatt charge foreign transaction fees?
No. The issuer states no foreign transaction fee.
Sources
Rates, fees and offers are set by the issuer and may change. Check the issuer's terms before you apply. We don't estimate approval odds.
Compare it with 59 other cards on the US card comparison or read how cards are valued.