Chase · Visa · personal · World of Hyatt
Review the linked sources below for offer details and eligibility.
Earning
| Hyatt (Hotels (booked direct))
Rewards Program Agreement (RPA0456, 01/15/2026): '4 Bonus Points for each $1 USD spent on qualifying purchases made at Hyatt hotels and resorts participating in the World of Hyatt Program and on purchases of World of Hyatt Experiences made at hyatt.com/experiences.' Hyatt separately pays up to 5 Base Points per eligible $1 as a World of Hyatt member (Chase advertises 'up to 9X total'); only the card's 4x is filed here.
|
4x | 6.8% |
| Dining & restaurants
Rewards Program Agreement wording: 'dining at restaurants including takeout and eligible delivery services (excluding dining purchases that qualify for 4 Bonus Points as described above)'. Delivery services are explicitly included.
|
2x | 3.4% |
| Airfare (booked direct)
Rewards Program Agreement wording: 'airline tickets when purchased directly with the airline'. Tickets bought through OTAs or travel portals do not qualify.
|
2x | 3.4% |
| Transit
Rewards Program Agreement wording: 'local transit and commuting'. Chase's card page describes this as taxis, mass transit, tolls, parking and ride-share.
|
2x | 3.4% |
| Gyms & fitness
Rewards Program Agreement wording: 'fitness club and gym memberships'.
|
2x | 3.4% |
| Peloton (Gyms & fitness)
Chase earn-points page: '2 Bonus Points per $1 spent on Peloton membership and equipment purchases' - covers equipment as well as the membership. No end date shown on the page.
|
2x | 3.4% |
| Everything else
'1 Bonus Point for each $1 USD spent on all other purchases.' As part of the welcome offer, new cardmembers earn 2 Bonus Points total per $1 on these purchases for the first 6 months, on up to $15,000 spent. Chase: no limit on Bonus Points; points don't expire while the card account is open.
|
1x | 1.7% |
Right column: value per $ at travel valuation (1.7¢/pt).
Credits
None.
Benefits
- Annual Category 1-4 free night — Chase: 'one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary'. Standard room, valid 12 months from issuance; excludes Miraval, Hyatt Zilara and Hyatt Ziva. Resort fees are waived on award stays.
- Extra Category 1-4 free night at $15,000 calendar-year spend — A second Category 1-4 free night award once per calendar year after $15,000 in purchases in that calendar year; same restrictions and 12-month validity.
- World of Hyatt Discoverist status — Automatic Discoverist for the primary cardmember as long as the account is open: 10% bonus points on stays, preferred rooms, 2 p.m. late checkout, premium internet, elite check-in, waived resort fees on free night awards.
- Tier-Qualifying Night credits — Chase: '5 World of Hyatt Tier-Qualifying Night credits within 8 weeks of your account open date. Every calendar year after your first year, you will receive 5 Tier-Qualifying Night credits within 8 weeks of January 1', plus '2 World of Hyatt Tier-Qualifying Night credits for every $5,000 in Purchases'. Count toward Explorist/Globalist status and Milestone Rewards.
- DoorDash DashPass (12 months) + $10 quarterly DoorDash discount — 12 months of complimentary DashPass when activated with this card by 12/31/2027 ($0 delivery fees on eligible orders; auto-renews at the paid rate afterward), plus up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter through 2027. Checkout discount, not a statement credit.
- No foreign transaction fees
- Trip cancellation / interruption insurance — Up to $5,000 per covered traveler and $10,000 per trip for pre-paid, non-refundable travel expenses including passenger fares, tours and hotels (Chase).
- Trip delay reimbursement — Up to $500 per ticket for unreimbursed meals and lodging when common carrier travel is delayed more than 12 hours or requires an overnight stay (Chase).
- Baggage delay insurance — Up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours (Chase).
- Lost luggage reimbursement — Up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen (Chase). HelloSafe: $500 sub-limits for jewelry/watches and cameras/electronics.
- Auto rental collision damage waiver (secondary in U.S.) — Theft and collision reimbursement on most rental vehicles when you decline the rental company's CDW and pay with the card; Chase: U.S. coverage is secondary to personal insurance. HelloSafe: primary outside the U.S., up to $60,000, rentals up to 31 consecutive days.
- Travel accident insurance — Up to $500,000 accidental death or dismemberment when air, bus, train or cruise fare is paid with the card (Chase). HelloSafe: $100,000 24-hour coverage.
- Purchase protection — 120 days from purchase against damage or theft, up to $500 per item (Chase) and $50,000 per account (Upgraded Points, HelloSafe).
- Extended warranty — Adds one year to eligible manufacturer warranties of three years or less; up to $10,000 per item (HelloSafe; not listed on Chase's card or travel-protection pages).
- Roadside dispatch (pay-per-use) — 24/7 dispatch; service fees are billed to the card (HelloSafe; not listed on Chase's card page).
- Visa Signature Concierge — Chase: 'Complimentary Visa Signature Concierge Service 24 hours a day'; cardmember pays for any goods or services purchased.
Protections
| purchase protection | 120 days, up to $500 per item / $50,000 per account |
| extended warranty | +1 year on manufacturer warranties of 3 years or less, up to $10,000 per item (HelloSafe; not on Chase's pages) |
| trip cancellation | Up to $5,000 per covered traveler / $10,000 per trip |
| trip delay | Up to $500 per ticket after a 12+ hour delay or overnight stay |
| baggage delay | Up to $100/day for up to 5 days after 6 hours |
| lost luggage | Up to $3,000 per covered traveler |
| rental car | secondary |
| roadside | Roadside dispatch (pay-per-use) |
| travel accident | Up to $500,000 common carrier accidental death/dismemberment |
Notes
Visa Signature; subject to Chase 5/24 (US Credit Card Guide). Hyatt stays effectively earn up to 9x (4x card + up to 5x member Base Points) - the engine only sees the card's 4x. Rewards Program Agreement RPA0456 revised 01/15/2026. 2026 changes: (1) Hyatt restructured its award chart on 2026-05-20 (Off-Peak/Standard/Peak replaced by five price tiers Lowest/Low/Moderate/Upper/Top; 112 hotels moved up a category, 24 down; Category 8 top rate 45k->75k), which changes which hotels the Category 1-4 free nights cover; (2) Chase Ultimate Rewards transfers to Hyatt from Sapphire Preferred (and Ink Business Preferred per InsideFlyer/TPG search results) drop to 4:3 - immediately for applicants from 2026-06-15, and from 2026-10-01 for existing cardholders; Sapphire Reserve keeps 1:1 - making this card's own Hyatt earn relatively more valuable for CSP holders. DashPass promo (12 months free + $10/quarter off one non-restaurant order) requires activation by 2027-12-31 and is a checkout discount, not a statement credit. Sign-up bonus: elevated up-to-75k offer (45k/$5k + 2x) live ~2026-07, ended by 2026-08-20; standard up-to-60k (30k/$3k + 2x on first $15k for 6 months) as of 2026-09. A 5,000-point add-an-authorized-user promo expired 2026-05-03. Variable APR 19.24%-29.99% (2026-09). Chase Pay Over Time available on purchases of $100+.
Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18