Is the World of Hyatt Credit Card worth it?
$95 annual fee. Free Cat-1-4 anniversary night + 5 elite night credits. The single best $95 hotel card if you stay at Hyatts.
Annual fee
$95
Auto-offsets
$160
$160 credits · $0 auto-perks
Net cost
+$65Pays you to hold
Annual credits & free nights
- redeem
Free Night Award (Cat 1-4)
$80
Annual free night certificate at Category 1–4 Hyatt properties
- redeem
Bonus Free Night (Cat 1-4)
$80
Additional free night after $15K calendar year spend
Earning rates
| Category | Multiplier | Effective return |
|---|---|---|
| hyatt hotels | 9x | 15.30% |
| dining | 2x | 3.40% |
| airlines | 2x | 3.40% |
| transit | 2x | 3.40% |
| gym | 2x | 3.40% |
| hotels | 2x | 3.40% |
| other | 1x | 1.70% |
The honest answer
Auto-offsets exceed the annual fee — the World of Hyatt Credit Card pays you to hold it before you swipe once. Almost always a hold.
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