Chase
On $1,000 a month of spending, split evenly across restaurants, travel, groceries and everything else: yes.
27,000 points a year at 2.19¢ = $591, minus the $95 annual fee = $496 a year. The 60,000-point welcome bonus adds $1,314 in year one.
That is a worked example, not a figure about you — we have no idea what you spend. Put your own numbers in and the same arithmetic runs on those.
| On | Rate | Cap |
|---|---|---|
| Restaurants and takeaway | 2× World of Hyatt | none |
| Flights, hotels and transport | 4× World of Hyatt | none |
| Groceries | 2× World of Hyatt | none |
| Everything else | 1× World of Hyatt | none |
4x at Hyatt properties, 2x at restaurants, on flights, local transit and at gyms.
World of Hyatt points are worth about 2.19 cents each on our published table, our own. What World of Hyatt points are worth →
60,000 World of Hyatt — about $1,314 — after $6,000 of spending in 6 months. The example spending above clears that.
Credits count for $0 in the sum above — what a typical holder actually redeems, not the sticker value of every credit on the page. No statement credits. The annual Category 1-4 free night is worth more than the fee for most holders and is not counted.
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We may earn a commission if you apply through us, and it does not change the arithmetic above — a card that pays us nothing is scored identically. How we make money. Card terms as of 2026-09-18; check the issuer's page before applying.