World of Hyatt Credit Card

Pros

• Example the Hyatt card has mile stones and Hilton card has free nights after certain spending
• IMO the two best hotel cards are the $95-99 cards from Hyatt and IHG. When you take points value into consideration they both beat Hilton and Marriott for the branded hotel multipliers... They both give you an annual free night certifica...
• Hyatt points are valuable. Annual free night can easily surpass the annual fee.
• IMHO the WoH card is worth the spend just for the Category 1-4 FNC, add in the late checkout option as a bonus.

Cons

• Parent context: I’m not sure if I should just drop the Hyatt and CSP and just use the Citi DoubleCash or if there is some other option for someone like me. Reply: Only thing I'd add is maybe keep the Hyatt card if you can find decent Cat...
• Don't get the Hyatt card right now. Chase and Hyatt are planning on announcing new cards in 2026. Wait to find out what future offers there may be.
• The Hyatt card is very meh. It's not terrible - the 95$ AF is usually paid for if you can use the FNA in a Category 1-4 Hyatt - but it doesn't do much. It's a passive card I almost never spend anything on.
• Hyatt card is great just for the annual FNA, but points earning is pretty mediocre.
• Probably not worth the juice unless it has a good SUB which is rare. Yes its a decent-ish keeper card due to the free night cert (and the 5 elite nights if you chase globalist), but the usually bad sub really kills its worth.