Fees. Though Hyatt's card comes with a $95 annual fee, that is on the lower end of hotel credit card annual fees and can be offset if you take full advantage of all the perks.

As of early 2026, the annual fee for the World of Hyatt Credit Card from Chase remains $95. This fee is widely considered one of the best values in the travel card market because it includes a Category 1–4 Free Night Award every year after your cardmember anniversary, which easily offsets the $95 cost. For business owners, the World of Hyatt Business Credit Card has a higher annual fee of $199. The personal $95 card also grants automatic Discoverist status and provides five elite night credits toward the next status tier every year. In 2026, Chase and Hyatt continue to offer "spend-based" bonuses where you can earn an additional free night after spending $15,000 on the card in a calendar year. While many other premium travel cards have seen significant fee hikes in the mid-2020s, the Hyatt card has maintained its $95 price point, making it a staple for travelers who want to maintain elite hotel status and earn high-value points on their daily spending without the "luxury" price tag of a $500+ premium card.