World of Hyatt Payoff Calculator 2026

Card data, May 13, 2026

• Issuer: Chase
• Network: Visa Signature
• Purchase APR: 20.99-27.99% variable
• Annual fee: $95
• Rewards: 4x World of Hyatt points at Hyatt properties, 2x on restaurants, airlines, transit, fitness clubs, and gym memberships, 1x everything else
• Point value baseline: roughly 1.7 cents per Hyatt point per The Points Guy May 2026 valuations, the highest among major hotel programs
• Effective rewards rate: 1.7% base, up to 6.8% at Hyatt
• Annual Free Night Award: one Category 1-4 award certificate on cardmember anniversary
• Bonus Free Night: earn a second night certificate by spending $15,000 in a calendar year
• Status: automatic Discoverist tier; 5 elite-night credits annually plus 2 per $5,000 spent
• Balance transfer: standard variable APR applies, 5% fee with $5 minimum; no 0% intro promo
• Late fee: up to $40
• Foreign transaction fee: 0%
• Penalty APR: up to 29.99%
• Minimum payment formula: 1% of balance plus interest and fees, $40 floor
• Typical FICO floor: 720

Source: Chase World of Hyatt terms, verified 2026-05-13.

TL;DR

Hyatt points are unusually valuable: 1.7 cents baseline, 3-5 cents on aspirational redemptions at Park Hyatt or Andaz properties. The 4x earn at Hyatt plus the annual Category 1-4 Free Night Award make the $95 fee easy to recoup for one-trip-per-year Hyatt guests. For revolvers, 4x at 1.7 cents per point is 6.8% effective rewards, which loses to 24% APR by month two of carrying.

Math worked example

$4,000 balance at 24.49% APR (midpoint of range):

• $150 per month: 37 months, $1,765 interest, total cost $5,765 plus 3 annual fees ($285) = $6,050
• $200 per month: 24 months, $1,148 interest, total cost $5,148 plus 2 fees ($190) = $5,338
• $300 per month: 15 months, $670 interest, total cost $4,670 plus 1 fee ($95) = $4,765
• Minimum payment only (about 1% plus interest): more than 20 years to clear, more than $6,400 in interest, per the CARD Act minimum-payment box under TILA Regulation Z

Annual fee math: the Category 1-4 Free Night Award is good at properties costing up to 15,000 points per night. At 1.7 cents per point: $255 of value against a $95 fee. Net positive $160 if you use it; net negative $95 if you do not.

Run your specific World of Hyatt numbers

The pillar tool accepts the World of Hyatt purchase APR. Enter your specific rate from your most recent Chase statement (under “Purchase APR”). The calculator returns months to payoff, total interest, and total cost.

Add $95 per year of holding to total cost to account for the annual fee.

Why Hyatt point math beats Marriott and Hilton

Hyatt operates a fixed award chart: Category 1 hotels cost 5,000 points, Category 8 cost 45,000 points peak, no dynamic pricing. Compare to Marriott Bonvoy (dynamic, 0.84 cents) or Hilton Honors (dynamic, 0.51 cents). The fixed chart makes high-end Hyatt redemptions reliably productive.

A Park Hyatt night cash rate of $800 redeemed for 30,000 Hyatt points = 2.67 cents per point. A Hilton Conrad night cash rate of $700 redeemed for 95,000 Hilton points = 0.74 cents per point. Same trip class, very different per-point value. This is why The Points Guy values Hyatt points more than 3x higher than Hilton.

Avalanche priority

The World of Hyatt APR (20.99-27.99%) overlaps with most rewards cards. If your specific rate is at 24% or higher, this card sits at the top of your avalanche method list. Pull your exact APR from your statement.

Why Hyatt does not offer 0% balance transfers

Hotel co-brand cards do not run 0% intro APR balance transfer promos because their customer base is hotel-program loyalists, not balance-shoppers. Per the Chase Schumer box, balance transfers to the Hyatt card hit the standard variable purchase APR plus a 5% transfer fee.

To move a Hyatt balance, transfer to a dedicated balance-transfer card at a different issuer:

• Status quo at 24.49%: $1,148 interest, 24 months
• 18-month 0% APR balance transfer with 3% fee ($120 fee): paid in 18 months at $229 per month, total cost $4,120. Savings: $1,028.

Free Night Award strategy

The Category 1-4 Free Night Award is restrictive but useful. Properties at Category 4 include the Hyatt Centric Midtown 5th Avenue NYC ($300+ cash rates) and resort properties in the Caribbean. The award certificate expires 12 months from issuance.

Per CFPB credit card market reports, hotel point and certificate expirations remain a top source of consumer complaints. Calendar reminder 60 days before expiration.

Should you keep World of Hyatt during payoff?

If you have a Hyatt stay planned within the certificate validity period, the $95 fee is well-justified by the Free Night Award. If your travel pattern has shifted, downgrade is generally not available within the Hyatt family (Chase only issues this one consumer Hyatt card). Closing is the alternative; consider keeping open at zero balance to preserve credit history.

World of Hyatt vs Sapphire Preferred for Hyatt stays

Chase Sapphire Preferred earns Ultimate Rewards points that transfer 1:1 to World of Hyatt. At the standard 1x Sapphire base rate, a $4,000 spend earns 4,000 UR points = 4,000 Hyatt points. The dedicated Hyatt card at 4x earns 16,000 Hyatt points on the same $4,000 of Hyatt spend.

The Sapphire Preferred earns higher base on non-Hyatt categories (5x travel via portal, 3x dining), and the $95 fee buys broader flexibility (transfer to United, Southwest, Aeroplan, Hyatt). If you only stay at Hyatt 1-2 times per year, the Sapphire Preferred is the more flexible $95 fee. If you stay at Hyatt 5+ times per year, the dedicated Hyatt card’s 4x category wins.

Sibling Chase travel cards

• Chase Sapphire Preferred payoff calculator
• Chase Sapphire Reserve payoff calculator
• Marriott Bonvoy Bountiful payoff calculator
• British Airways Visa payoff calculator

Related

• Credit card payoff calculator (home) , pillar tool
• Credit card payoff by card type , full hub
• Balance transfer calculator

Frequently asked questions

What is the APR on the World of Hyatt Credit Card?

The variable Purchase APR is 20.99-27.99% as of May 13, 2026 per the Chase pricing page. Your specific rate was assigned at application based on credit profile and the prime rate published by the Federal Reserve H.15 release. The Hyatt card does not advertise a 0% intro APR offer on purchases. Check your most recent statement under “Purchase APR” for your exact figure.

Is the $95 annual fee on the Hyatt card worth it?

The Category 1-4 Free Night Award is worth roughly $255 at Hyatt’s 1.7-cent point valuation when redeemed at a top-of-band property, against a $95 fee. The card also delivers automatic Discoverist status and 5 free elite-night credits annually, both useful for Hyatt loyalists building toward Globalist (60 nights). For one Hyatt stay per year users, the fee is easy to recoup. For non-Hyatt guests, the card has no use case.

Can I do a balance transfer to the World of Hyatt Card?

Chase does not advertise a 0% intro APR balance transfer offer on the World of Hyatt Card. Transfers incur the standard variable purchase APR (20.99-27.99%) plus a 5% transfer fee with $5 minimum. For balance transfers, use a dedicated transfer card such as Chase Slate Edge, Citi Diamond Preferred, or BankAmericard at a different issuer. The Hyatt card itself is built for rewards earning, not balance shopping.

Are World of Hyatt points worth more than cashback?

Per The Points Guy May 2026 valuation, Hyatt points are worth roughly 1.7 cents each at typical redemptions, the highest baseline of any major hotel program. Peak aspirational redemptions at Park Hyatt or Andaz properties can reach 3-5 cents per point. A 2% no-fee cashback card delivers fixed value. Hyatt points win when you would have paid cash for a specific high-end Hyatt stay and you book within the points-redemption window.

What credit score do I need for the World of Hyatt Card?

Chase typically requires a FICO score of 720 or higher for the Hyatt card, and applicants must clear the Chase 5/24 rule: five or more new credit card accounts opened across all issuers in the past 24 months typically results in denial. The 5/24 rule applies to most Chase co-brand cards including the Hyatt, Marriott, Southwest, United, and IHG lines. Per Chase application data tracked publicly, 5/24 is rarely waived.