Verdict · Updated April 2026
World of Hyatt Credit Card for Dining & Restaurants
The World of Hyatt Credit Card isn't optimized for dining & restaurants — ranked #30 of 40 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
Rank #30 of 4026th percentileConsider alternatives
Reviewed by CardCompare Editorial Board
|Data-driven ranking|Updated April 2026
World of Hyatt Credit Card
Chase · $95 annual fee
Hyatt points are widely considered the most valuable hotel currency — routinely worth 1.7–2.5 cents each. The annual free night at a Category 1–4 property alone can justify the $95 fee. The 60,000-point sign-up bonus can unlock multiple free nights at premium properties, including Park Hyatt hotels that command $500+/night.
Full card review
Earn math — Dining & Restaurants profile
Based on typical dining & restaurants spending of $19,200/year across the categories below.
Annual rewards
$414
Annual fee
$95
Net value
$319
Dining multiplierDelivery creditsFast-food codingCoffee shop bonuses
Where the World of Hyatt Credit Card wins for dining & restaurants
- Sign-up bonus worth roughly $600 — instant first-year value
Where it falls short
- Only 2x on dining — pure dining-focused cards earn 3-4x
- No intro 0% APR and a high regular APR (28.49%) — carrying a balance is expensive
Top 3 alternatives for dining & restaurants
Cards that rank higher than or close to the World of Hyatt Credit Card on our dining & restaurants scoring model.
How the World of Hyatt Credit Card performs for other use cases
Frequently asked questions
Is the World of Hyatt Credit Card a good card for dining & restaurants?⌄
The World of Hyatt Credit Card isn't optimized for dining & restaurants — ranked #30 of 40 eligible cards. Unless you already hold it for other reasons, consider one of the alternatives below.
How much can I earn with the World of Hyatt Credit Card on dining & restaurants spending?⌄
At the typical dining & restaurants spending profile of $19,200/year, this card earns approximately $414 in rewards — net $319 after the $95 annual fee.
What are better alternatives to the World of Hyatt Credit Card for dining & restaurants?⌄
Our top 3 alternatives are U.S. Bank Altitude Reserve Visa Infinite, IHG One Rewards Premier Credit Card, Capital One SavorOne. Each ranks higher on our use-case scoring model for dining & restaurants.
What credit score do I need for the World of Hyatt Credit Card?⌄
The World of Hyatt Credit Card typically requires good credit. Approval also depends on income, existing debt, and application history — a score in the stated range doesn't guarantee approval.
Is the World of Hyatt Credit Card's annual fee worth it for this use case?⌄
The $95 annual fee breaks even when you earn $95 in rewards. At the typical dining & restaurants profile ($19,200/year), this card earns $414 — net positive after the fee.
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