WorthTheFeeWorth The Fee

Is the Chase World of Hyatt worth the $95 annual fee?

Only if the value you actually use clears $95. Chase advertises up to $40 across 14 benefits, but 2 require enrollment and 14 expire on a deadline. Here is the math, from the issuer’s own terms.

Most of this card's value is the points or cash back it earns. The WTF Check counts credits only, so weigh what you earn on top.

The short answer

Annual fee
$95
Verified Sep 19, 2026 from creditcards.chase.com
Charged whether you use anything or not.
Break-even
$95
Value you must actually use to come out even.
Auto-counted value
$0
Nothing here counts on its own — every dollar takes action. Use it all and it gives back $40 a year.

What the $40 is actually made of

Auto-counted
$0
Posts automatically. Counted in full.
Capturable
$40
Real credits you must use before they expire.
Earned, not given
$0
Requires spend or a condition. Never counted for you.

Advertised totals assume perfect usage. That is why we separate value that arrives on its own from value you have to chase, and never count value you have to earn.

Illustrative fee example

Auto-counted value$0
Capturable value used (half of $40)$20
Earned, not given$0
Annual fee− $95
Net value−$75 · CANCEL

Example only — your result depends on what you actually use. Assumes every auto-counted credit posts, half of the capturable credit value is actually used, and no conditional value is counted.

Every tracked benefit, and what it takes to get it

DoorDash Non-Restaurant Discount
Resets quarterlyEnrollment requiredRequires an active DashPass membership; the page says this runs through Dec 31, 2027.
$40
Extra Free Night after $15,000 Spend (Category 1-4)
Resets once a yearRequires $15,000 spendOnly unlocked after $15,000 in card spending in a calendar year.
$0
World of Hyatt Discoverist Status
Resets once a year
$0
5 Tier-Qualifying Night Credits
Resets once a yearCounts toward World of Hyatt status.
$0
2 Tier-Qualifying Night Credits per $5,000 Spend
Resets once a yearRequires $5,000 spend2 night credits toward World of Hyatt status for each $5,000 in card purchases.
$0
Visa Signature Concierge
Resets once a year
$0
No Foreign Transaction Fees
Resets once a year
$0
Baggage Delay Insurance
Resets once a yearUp to $100 a day for up to 5 days when bags are delayed over 6 hours.
$0
Lost Luggage Reimbursement
Resets once a yearCovers lost, damaged or stolen checked or carry-on bags on a covered trip.
$0
Auto Rental Coverage
Resets once a yearSecondary to your personal insurance in the U.S.
$0
Purchase Protection
Resets once a year120 days against damage or theft, up to $500 per item.
$0
Anniversary Free Night Award
Resets once a yearOne night at a Category 1-4 hotel.
$0
DashPass Membership
Resets once a yearEnrollment required12 months only; must be activated between 02/01/2025 and 12/31/2027.
$0
Trip Cancellation / Interruption Insurance
Resets once a yearUp to $5,000 per covered traveler and $10,000 per trip for prepaid, non-refundable travel expenses.
$0

Who this card is not for

  • Anyone who would use less than $95 of value a year — at that point the fee is a straight loss, no matter how good the card looks on paper.
  • People who will not enroll. 2 of the 14 benefits pay nothing until you opt in.
  • People who dislike deadlines. 14 benefits expire on a schedule and do not roll over.

Official sources

Every fee, credit and restriction on this page is taken from Chase’s own published pages — never from a blog, forum or affiliate roundup. WorthTheFee is not the issuer and is never paid to change a verdict.

Verified against official issuer sources on September 19, 2026. Issuers change terms without notice. Confirm on the issuer page before applying.

Chase World of Hyatt FAQ

What is the annual fee on the Chase World of Hyatt?

Chase lists the Chase World of Hyatt annual fee at $95. If you hold an older version of the card at a different fee, you can enter your actual fee in the WTF Check so the math reflects what you really pay.

What is the break-even point on the Chase World of Hyatt?

You break even once the value you actually use reaches $95. WorthTheFee tracks 14 benefits worth up to $40 in listed value — that is the maximum, not a guarantee. Unused credits do not count toward break-even.

Do any Chase World of Hyatt benefits count automatically?

No. Every tracked benefit on this card requires you to use it or meet a condition, so WorthTheFee starts your net value at $-95 and only adds value as you confirm usage.

Which Chase World of Hyatt benefits require enrollment?

2 of the 14 tracked benefits require you to enroll before they pay out. An unenrolled credit is worth nothing regardless of what the issuer advertises, so WorthTheFee flags them separately.

How often do the Chase World of Hyatt credits reset?

Credits reset on different clocks: 1 resets quarterly, 13 reset once a year. Unused credits do not roll over — when a period ends, that value is gone.

Do unused Chase World of Hyatt credits roll over?

No. Statement credits expire at the end of their period. That is why WorthTheFee counts only the value you confirm you will use, rather than the issuer's advertised total.

Where did WorthTheFee get these Chase World of Hyatt benefit values?

From Chase's own published card and terms pages, linked in the Official sources section on this page. WorthTheFee is not the issuer and does not receive payment to change a verdict.

When were the Chase World of Hyatt terms last checked?

WorthTheFee last reviewed this card against Chase's official sources on September 19, 2026. Issuers change terms without notice — always confirm on the issuer page before applying.

Run the WTF Check on the Chase World of Hyatt

Mark the credits you would actually use and get your own verdict — Worth It, Watch It, or Cancel. No bank login. No card number.

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Card facts verified September 19, 2026.