Flo Analysis
Computed from live catalog data — where this card ranks, wins, and needs a caveat.
Category standing — vs 1,096 cards in the catalog
Everything else
4x
Dining
2x
Transit
2x
Overview
How this card fits in your wallet — fees, value, and who it's built for.
Earning rates
Category bonuses from our catalog — verify current offers on the issuer site.
- Everything elseHyatt4×
- Dining2×
- Everything elseAirfare2×
- Transit2×
- Everything elseFitness Clubs2×
- Everything elseAll Purchases1×
Welcome offer
30,000 points
- Spend $3,000 in 90 days
- Est. value: $300 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual Tier-Qualifying Night Credits$5/yr
Receive 5 qualifying night credits towards your next tier status every calendar year.
Benefits
- Annual Free Night
Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary.
- Additional Free Night
Earn an extra free night at any Category 1–4 Hyatt hotel or resort for spending $15,000 in a calendar year.
- Complimentary World of Hyatt Discoverist status
Receive World of Hyatt Discoverist status for as long as your account is open.
- Annual Tier-Qualifying Night Credits
Receive 5 qualifying night credits towards your next tier status every calendar year.
- Earn Additional Tier-Qualifying Night Credits
Earn 2 additional qualifying night credits every time you spend $5,000 on your card.
- No Foreign Transaction Fees
- Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases when baggage is delayed over 6 hours.
- Lost Luggage Reimbursement
Provides reimbursement up to $3,000 per covered traveler for checked or carry-on baggage that is lost, damaged or stolen.
- Trip Cancellation and Interruption Insurance
If your trip is canceled or cut short by covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip for your pre-paid, non-refundable travel expenses.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
- Auto Rental Collision Damage Waiver
Provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
- Complimentary DashPass Membership
Get one-year complimentary DashPass for both DoorDash and Caviar. Activate by Dec 31, 2027.
- Quarterly DoorDash Credit$10/yr
DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Visa Concierge
Get complimentary Visa Signature® Concierge Service 24 hours a day.
Is the annual fee worth it?
Quick breakeven from stated credits and perks — open the full tool to dig deeper.
Credits & perks vs fee
Verdict
Fee exceeds stated credits & perks
You'll need enough rewards on your spend to cover the gap — model that below.
Flo calculator tools
Micro-tools for this card — each opens a dedicated calculator with your context pre-filled where possible.
Reward Calculator
Estimate annual rewards and net value on your spend.
Open CalculatorSide by Side Compare
Compare against another card with the same spend profile.
Open CalculatorIs the Annual Fee Worth it?
See if credits and perks offset the annual fee.
Open CalculatorPoints & Miles → $ Converter
Convert points and miles to estimated cash value.
Open CalculatorAwards vs Cash Calculator
Compare redeeming points for travel vs cash back.
Open CalculatorTransfer Partner Calculator
Explore transfer partner conversions across programs.
Open CalculatorRewards Calculator
Model this card on your spend — adjust categories and compare with others.
FAQ's
Issuers generally look for good-to-excellent credit; exact thresholds vary.
See the annual fee analysis above, or open the full calculator to model credits and perks against $95 per year.
Use the rewards calculator above — set your monthly spend by category and the engine models net annual value on this card server-side.