Hyatt Card Bump: 75k points for $20k, but the math still stings after May deval.

The World of Hyatt Card's rare elevated offer lands at 45,000 points on $5,000 in three months plus up to 30,000 more from 2x on normal 1x categories up to $15,000 in six months. That's 75,000 total points for $20,000 spend, net of the $95 annual fee. But the May 2026 program changes cut the value of those points, so the free-night certificate and elite nights matter more than ever to reach positive yield.

The play: Apply before the offer ends if you can hit both spend thresholds and value the annual Category 1-4 free night at over $95.