Is the Chase Hyatt Credit Card subject to Chase's 5/24 rule?

Yes, the Chase Hyatt Credit Card is subject to Chase's 5/24 rule. This means if you have opened 5 or more personal credit card accounts (from any issuer) in the last 24 months, your application will likely be denied.

What is the welcome bonus for the Chase Hyatt Credit Card?

As of June 2026, the welcome bonus for the Chase Hyatt Credit Card is 5 Free Night Certificates. Each certificate is valid for one night in a standard room at Hyatt hotels within 12 months of issuance.

Can I get the Chase Hyatt Credit Card bonus twice?

You are not eligible for the new cardmember bonus if you currently have the Chase Hyatt Credit Card or have received a new cardmember bonus for this specific card in the past 24 months.

Does the Chase Hyatt Credit Card have foreign transaction fees?

No, the Chase Hyatt Credit Card does not charge foreign transaction fees, making it a suitable card for international travel.

What credit score do I need for the Chase Hyatt Credit Card?

While not explicitly stated, a good to excellent credit score, typically 700 or higher, is generally recommended for approval for Chase's premium travel credit cards like the Chase Hyatt Credit Card.

Chase Hyatt Credit Card: 5 Free Nights & Churning Guide

Q: What is the minimum spend required to earn the bonus?

To earn the 5 Free Night Certificates, you must spend $4,000 on purchases within the first few months of account opening.

The Chase Hyatt Credit Card currently offers a welcome bonus of 5 Free Night Certificates, a valuable opportunity for World of Hyatt loyalists. To earn this bonus, you'll need to meet a specified minimum spend. Eligibility is subject to Chase's stringent 5/24 rule and a 24-month bonus restriction for this specific card. With a $95 annual fee, the card can be highly worth it for those who can maximize the free nights, offering significant value for luxury stays.

Current Welcome Bonus & Value

As of June 2026, the Chase Hyatt Credit Card offers a welcome bonus of 5 Free Night Certificates. Each Free Night Award is valid for one night in any available standard room within 12 months from issuance at Hyatt hotels.

While the exact monetary value of these certificates depends on where and when you redeem them, they can easily offset the card's $95 annual fee and provide substantial value, especially when used at higher-category Hyatt properties.

Minimum Spend to Earn It

To earn the 5 Free Night Certificates, you must spend $4,000 on purchases within the first few months of account opening. Meeting this requirement is crucial for securing the welcome bonus.

Who's Eligible

Applying for the Chase Hyatt Credit Card involves several key eligibility criteria:

Chase 5/24 Rule: Chase will generally not approve you for a new personal credit card if you have opened 5 or more personal credit card accounts (from any issuer) in the last 24 months. This rule is a significant hurdle for many churners.
Card-Specific Bonus Rule: You are eligible for this bonus only if you do not currently have the Chase Hyatt Credit Card and have not received a new cardmember bonus for this specific card in the past 24 months.
Credit Score: While not explicitly stated, a good to excellent credit score (typically 700+) is generally recommended for approval for Chase's premium travel cards.

Is It Worth It?

Pros:

Valuable Free Nights: 5 Free Night Certificates can provide significant value, especially if redeemed at high-end Hyatt properties, potentially saving you hundreds or even thousands of dollars on hotel stays.
No Foreign Transaction Fees: This card does not charge foreign transaction fees, making it a good option for international travel.
Annual Fee Offset: The value of even one or two free nights can easily outweigh the $95 annual fee.

Cons:

Chase 5/24 Rule: This is a major barrier for many experienced churners who frequently open new cards.
Minimum Spend: A $4,000 minimum spend can be substantial for some, requiring careful planning to meet without overspending.
Annual Fee: A $95 annual fee applies, which must be considered against the benefits received.

For those who can meet the eligibility requirements and effectively use the free night certificates, the Chase Hyatt Credit Card offers an excellent opportunity to secure valuable hotel stays.

How to Apply

To apply for the Chase Hyatt Credit Card, visit the official Chase website or a secure application link. Ensure you review all terms and conditions before submitting your application. Remember to check your 5/24 status and confirm you meet the card-specific bonus eligibility.

Alternatives

If the Chase Hyatt Credit Card doesn't fit your current strategy or you're looking for other hotel-focused options, consider these related cards:

These cards offer different reward structures and hotel brand affiliations, providing diverse options for maximizing travel bonuses.

Offers change frequently and may not be available to all applicants. Information is provided for research; verify terms on the issuer's site before applying. Chuuurning may not be compensated by issuers.

Chase Hyatt Credit Card — 5 free night certificates bonus