Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +$95 annual fee is remarkably low for a hotel status card
• +Up to 9X points at Hyatt (4X bonus + 5X base member earning)
• +Automatic Discoverist status with late checkout and room upgrades when available
• +5 tier-qualifying nights annually plus up to 10 more through spend
• +Free night certificate each anniversary (Category 1-4)

Cons

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −Free night certificates limited to Category 1-4 properties (excludes luxury)
• −No airport lounge access or travel credits
• −Hyatt has smaller global footprint than Hilton or Marriott
• −1X earn rate on non-bonus categories is below average
• −Discoverist is entry-level status with limited benefits

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +$95 annual fee is remarkably low for a hotel status card
• +Up to 9X points at Hyatt (4X bonus + 5X base member earning)
• +Automatic Discoverist status with late checkout and room upgrades when available
• +5 tier-qualifying nights annually plus up to 10 more through spend
• +Free night certificate each anniversary (Category 1-4)

Cons

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −Free night certificates limited to Category 1-4 properties (excludes luxury)
• −No airport lounge access or travel credits
• −Hyatt has smaller global footprint than Hilton or Marriott
• −1X earn rate on non-bonus categories is below average
• −Discoverist is entry-level status with limited benefits

Annual Fee

Welcome Bonus

Base Earn Rate

Top Earn Categories

Network

Key Benefits

Pros

• +75,000 point welcome bonus worth $937+ via transfers
• +$95 annual fee offset by $50 hotel credit
• +1:1 transfer to 13+ airline and hotel partners including Hyatt
• +5X on Chase Travel, 3X dining, streaming, online groceries
• +Trip cancellation, delay, and lost luggage insurance included

• +$95 annual fee is remarkably low for a hotel status card
• +Up to 9X points at Hyatt (4X bonus + 5X base member earning)
• +Automatic Discoverist status with late checkout and room upgrades when available
• +5 tier-qualifying nights annually plus up to 10 more through spend
• +Free night certificate each anniversary (Category 1-4)

Cons

• −$95 annual fee vs $0 Freedom cards
• −No lounge access included
• −Secondary rental car coverage only (not primary)
• −5/24 rule restricts applicants with 5+ cards in 24 months
• −No 0% intro APR offer

• −Free night certificates limited to Category 1-4 properties (excludes luxury)
• −No airport lounge access or travel credits
• −Hyatt has smaller global footprint than Hilton or Marriott
• −1X earn rate on non-bonus categories is below average
• −Discoverist is entry-level status with limited benefits