Card economics
World of Hyatt Card
Annual fee
$95/yr
Foreign transaction fee
None
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Welcome offers change frequently — check the issuer's page for the current offer.
Earn rates
Points or cash back earned per dollar spent. 'x' means points multiplier, '%' means cash back percentage. Portal-only rates require booking through the issuer's travel portal.| Category | Rate |
|---|---|
| Hyatt Properties | 4x |
| Dining | 2x |
| Flights outside issuer portals | 2x |
| Transit | 2x |
| Fitness / Gym | 2x |
| Everything else | 1xBase rate |
Benefits not in the math
Perks whose value depends on how you travel — lounges, free bags, status. The optimizer counts them only when a Premium perk-value profile assigns them a dollar value, once per wallet; with no profile they are worth $0 in every figure.Hotel elite status
Automatic World of Hyatt Discoverist status, with five qualifying night credits each year plus two more per $5,000 spent.
Issuer sourceFree night after spend
An additional Category 1-4 free night after $15,000 spent in a calendar year (the anniversary free night is modeled as a credit).
Issuer sourceCounted at $0 unless you assign a value in a Premium perk-value profile.
Fee calculator
The effective fee is the annual fee minus credits you'll actually use. A $550 card with $400 in usable credits has an effective fee of $150. Adjust credit values based on how much you'll realistically use.Sticker Fee
$95/yr
Credits
-$100
Effective FeeWhat you actually pay after subtracting credits you use. This is the real cost of holding the card — the number that matters for optimization.
$0
Credits are counted up to the fee: the effective fee never goes below $0, so credits worth more than the fee do not make it negative.
Credits & Benefits
Adjust each credit's value based on how much you'll realistically use. 'Easy' credits are straightforward to use (dining, streaming). 'Conditional' credits may require specific merchants or booking methods.Max: $150/yr · annual
Free night at any Category 1-4 Hyatt after card anniversary. Cat 4 Hyatts typically run $100-$250/night.
Max: $40/yr · counted per year; paid quarterly
12 months of complimentary DashPass (activate by 12/31/2027), plus up to $10 off a non-restaurant DoorDash order each quarter through 12/31/2027. DashPass renews at the paid monthly rate after the complimentary period.
Adds this card to your current wallet and keeps your spending. Premium uses your edited credit values; Free uses conservative defaults. The optimizer may recommend a different wallet.
Catalog record last reviewed Oct 11, 2026; see the Corrections page for later changes. Issuer terms and available offers control and may change.
Next step
One card is a start. The modeled setup is the whole wallet.
The World of Hyatt Card might be useful on its own, but the modeled combination depends on your total spending. The optimizer searches eligible portfolios and clearly labels whether the result was proven optimal within that run's inputs or is the strongest valid setup found before timeout.