Chase Hyatt

Chase

$95

Annual Fee

visaGoodNo Foreign Transaction Feehotel4 months ago

Welcome Offer

60,000 pts(≈ $1020)Spend $15,000 within 6 months

OpenCard editorial analysis

Our take

A hotel card with a relatively focused value proposition: Hyatt loyalty benefits and an annual-night path for people who already stay with the chain. Hyatt's footprint is smaller than some competitors, so the card's value depends on whether useful properties exist where you travel—not only on point valuations.

Best for

✓ Travelers with repeat Hyatt stays
✓ People able to use the annual-night benefit organically
✓ Cardholders who value Hyatt status progress

Not ideal for

— Travelers whose destinations lack convenient Hyatt properties
— People who choose hotels entirely by lowest price
— Anyone collecting hotel points without a redemption plan

Conservative break-even test

Value the annual-night benefit at a stay you would otherwise purchase and confirm that eligible properties fit your routes. Add incremental elite and earning value, then subtract any premium paid to choose Hyatt over a better alternative.

First year vs. ongoing year worksheet

Annual fee hurdle

$95

Issuer-data bonus estimate

$1,020

First-year net before credits

$925

For year two, remove the one-time welcome offer entirely. To recover a $95 fee from rewards alone, this card must produce that much more value than your best no-fee alternative. At a 1% incremental return, that would require about $9,500 in eligible annual spend before counting credits you would genuinely buy anyway.

Data reviewed 2026-04-27. Estimate is not cash and depends on redemption. Confirm current issuer terms through the cited sources below.