Best For
Rewards Rate - Points
- Up to 9X Total points per $1 spent at Hyatt hotels
- 4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels
- 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases
- Intro offer
- 2 Free nights + 25K Bonus Points
- Annual fee
- $95
- Regular APR
- 19.99% – 28.49% Variable APR
- Recommended credit
- 700–850 (Good to Excellent)
- Travel Perks
- Hotel Status, Rental Car Insurance, Travel Insurance
Highlights
- Annual Category 1–4 Free Night Award; a second after meeting a yearly spend threshold.
- Automatic Discoverist status plus 5 Tier‑Qualifying Night credits each year.
- Accelerated points on Hyatt stays and useful everyday categories.
- No foreign transaction fees and reliable trip protections from Chase.
Who is this card good for?
- Hyatt guests who can redeem 1–2 Category 1–4 free nights yearly.
- Travelers who want a head start on elite status and milestone rewards.
- Cardholders who value Hyatt’s quality footprint and consistent award chart.
Pointalize Opinion
Pros
- Anniversary night often offsets the fee for many users.
- Status boost and elite night credits add on‑property value.
- Strong earn at Hyatt and solid everyday coverage.
Cons
- Free night capped at Category 1–4 properties.
- Best value requires at least occasional Hyatt stays.
Pointalize Final Thoughts
If you stay with Hyatt a few times a year, the built‑in free night, status boost and elite credits make this an easy keeper that accelerates your path to award stays.