Hilton Honors American Express Aspire Card
American Express
4.6 / 5
American Express
Hilton Aspire
- Welcome
- 200,000 points
- Annual fee
- $550
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Chase · hyatt
World of Hyatt Credit Card
4.5 / 5
World of Hyatt points · Personal card
The best points-per-dollar hotel card because Hyatt points are worth roughly double the other chains. The anniversary night routinely covers the fee.
At a glance
- Welcome bonus
- 30,000 points
- Spend $3,000 in 3 months
- Annual fee
- $95
- Year-one and ongoing
- Purchase APR
- 19.49% to 27.99%
- No intro APR
- FX fee
- None
Editorial
Our take
The best points-per-dollar hotel card because Hyatt points are worth roughly double the other chains. The anniversary night routinely covers the fee.
Verdict
Pros & cons
Pros
- Hyatt points worth about 1.55 cents each
- Anniversary free night covers the $95 fee
- Real trip protections for a hotel card
- No foreign transaction fee
Cons
- Hyatt has a smaller footprint than Marriott or Hilton
- Secondary rental coverage in the US
- Non-Hyatt earning is modest
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Hyatt stays | 4x points | Up to 9x total including the 5x member base rate. |
| Dining | 2x points | |
| Flights direct | 2x points | Booked directly with airlines. |
| Transit & commuting | 2x points | Local transit and commuting. |
| Gym & fitness memberships | 2x points | Gym and fitness club memberships. |
| All other purchases | 1x points |
Benefits
Key benefits
Anniversary free night
A Category 1 to 4 free night every year, plus a second after $15,000 in calendar-year spend.
Hyatt points are the most valuable hotel currency
About 1.55 cents each, so 4x on stays is a real 6% plus return.
Status head start
Discoverist automatic, plus 5 qualifying night credits a year and 2 more per $5,000 spent.
Fit
Who this is best for
- Hyatt guests, even occasional ones
- Award travelers chasing high-value redemptions
FAQ
Frequently asked questions
What is the World of Hyatt welcome bonus?
Earn up to 60,000 bonus points: 30,000 after spending $3,000 in the first 3 months, plus up to 30,000 more from 2X points on up to $15,000 of purchases in the first 6 months.
Does the World of Hyatt charge an annual fee?
Yes. The annual fee is $95 every year.
Does the World of Hyatt have a foreign transaction fee?
No. The World of Hyatt charges no foreign transaction fee, so it works well for international purchases.
What APR does the World of Hyatt charge?
The purchase APR is 19.49% to 27.99% variable.
Who is the World of Hyatt best for?
Hyatt guests, even occasional ones. Award travelers chasing high-value redemptions.
Similar
Related cards
4.3 / 5
- Welcome
- 75,000 points
- Annual fee
- $595
4.4 / 5
- Welcome
- 180,000 points
- Annual fee
- $150
Apply
World of Hyatt Credit Card
Spend $3,000 in 3 months
Rates accurate as of October 6, 2026. Issuer terms.