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
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×
- Everything elseFitness Clubs2×
- Dining2×
- Everything elseAll Purchases1×
Welcome offer
70,000 points
- Spend $7,000 in 90 days
- Est. value: $700 (WalletFlo catalog)
Credits & Benefits
Statement credits and perks we model in net-value calculations.
Credits
- Annual Hyatt Credit$100/yr
Earn a $50 statement credit on a Hyatt purchase of $50 or more, up to two times each anniversary year.
Benefits
- World of Hyatt Discoverist Status
Receive World of Hyatt Discoverist status for as long as your account is open.
- Gift Discoverist Status
Give the gift of Discoverist status to up to five employees.
- Tier-Qualifying Night Credits
Earn 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- Annual Hyatt Credit$100/yr
Earn a $50 statement credit on a Hyatt purchase of $50 or more, up to two times each anniversary year.
- Hyatt Leverage Membership
Complimentary membership in the Hyatt Leverage Program, offering discounts on standard room rates at participating Hyatt hotels.
- No Foreign Transaction Fees
- Auto Rental Coverage
Primary coverage when renting for business purposes, providing reimbursement up to $60,000 for theft and collision damage for most rental vehicles.
- Travel and Emergency Assistance
Provides legal and medical referrals and access to other travel and emergency assistance services. You will be responsible for the cost of any goods or services obtained.
- Trip Cancellation and Interruption Insurance
Reimbursement up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by covered situations.
- Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection
Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less.
- Complimentary DashPass
Receive one-year complimentary DashPass membership for both DoorDash and Caviar. Activate by Dec 31, 2027.
- Quarterly DoorDash Credit$10/yr
DashPass members get up to $10 off one non-restaurant DoorDash order each quarter through Dec 31, 2027.
- 10% Points Redemption Bonus
After spending $50,000 in a calendar year, get 10% of your redeemed points back for the rest of the year, on up to 200,000 points redeemed.
- Employee Cards at No Additional Cost
Streamline your finances and earn points on every purchase made by you or your employees.
- Chase Pay Over Time
Break up eligible credit card purchases of $100 or more into manageable monthly payments with a fixed monthly fee.
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 $199 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.
