While booking a room at a Hyatt I was invited to apply for this card and receive a $300 credit to the card for using it on the room. Enticing, so I applied and was instantly approved for $8000 with a 730 credit score. After frustratingly searching the entire Mobil app/website (and receiving error messages at every turn), and calls to customer service (out of country agents who had no idea what they were doing), it dawned on me that I may not be able to access the account until I have the physical card with me. Confirmed that with google, and had to book the room with a different card anyway. So I wasted a hard inquiry to not even be able to use the card for its intended purpose. I’m not much of a traveler so who knows when it will come in handy next. Every other card I own from other major banks and credit institutions has allowed me to spend instantly via Mobil/online access, without the physical card. It’s pretty antiquated that Chase does not have this feature on all of their cards, and frustrating that it’s not advertised as such (I’m sure it’s in the fine print, but you guessed it, I can’t access the card terms on the Mobil app either due to error messages). So overall- good points if you travel a lot and don’t mind waiting to receive your card to use. Just pray you don’t have to deal with Chase customer service.

<U>NICE</U>

Great card! If you frequent Hyatt owned Hotels, most have a special line for card holders. It's great to bypass the lines during check in and check out. Additionally since getting the card I do notice that I am treated much better - (not that Hyatt treats any of its guest bad by any means) but I have noticed the extra effort to make me happy when I stay. Wait for the 60g bonus. Easy to rack up points fast. It's worth it! Chase as with all their cards is wonderful! It's by far my favorite bank to deal with. I'd actually say pleasant to deal with. I feel safe with chase. Twice they have saved me from fraud and caught it before the charges could go through!