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Hyatt may not have the footprint to rival giants Marriott and Hilton, but it proves that bigger is not always better by offering a desirable collection of upwards of 900 properties and a popular rewards program that is nearly cult-like with Hyatt loyalists.
You can’t be a Hyatt fan without considering the benefits of one of the World of Hyatt-branded credit cards, however, as they are a major piece of a total Hyatt persona. The cards complete the triangle of the World of Hyatt-brand hotel experience and the supporting World of Hyatt loyalty program by adding in a long list of Hyatt benefits one receives by having one of the cards.
If you frequent Hyatt properties and you are not yet a cardholder, you may not be able to hold out much longer.
Let’s talk about the benefits of having a World of Hyatt-branded card, how the cards stack up with similar hotel-branded card competitors, and alternative or additional cards that may add value for the Hyatt loyalist or serve to complement their World of Hyatt-branded card.
The Best Credit Cards for World of Hyatt Loyalists — Overview
Earn 30,000 points when you spend $3,000 on purchases in your first 3 months. Plus, up to 30,000 additional points by earning 2x in the first 6 months on purchases that normally earn 1x, on up to $15,000 spent.
Annual fee of $95
Up to 9x points per $1 on Hyatt stays
Automatic World ofHyatt Discoverist status
Category 1-4 Free Night Certificate each year, plus an extra Free Night Certificate after spending $15,000 on the card in a calendar year
5 Elite Qualifying Nights each year, plus the ability to earn 2 more Elite Qualifying Nights for every $5,000 spent on the card
SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Annual fee of $0
5% cash-back on travel purchased through Chase Ultimate Rewards
3% cash-back on dining and drugstore purchases
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
NEW OFFER: Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months.
Annual fee of $95
3x points on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
The Best World of Hyatt-Branded Credit Cards
Selecting a World of Hyatt-branded card is a simple task as you’ll have either a Chase-issued personal or business card from which to choose. Let’s look at each card option and the associated benefits each card provides for those who frequent Hyatt properties.
The World of Hyatt Credit Card
Let’s take a look at why Hyatt fans might consider adding this card to their wallet.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.
Earn 85,000 Bonus Points after you spend $4,000 in purchases in your first 3 months from your account opening.
Up to 60,000 points
$450
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.
When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.
Pros
Up to 9 points total for Hyatt stays: 4 Bonus Points per $1 spent at Hyatt hotels and 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
1x point per $1 on all other purchases
1 Free Night Award each cardmember anniversary (Category 1 to 4)
A second Free Night Award when you spend $15,000 on the card
Hyatt Discoverist status
5 automatic elite night credits each year
2 elite night credits for every $5,000 spent on the card
DoorDash DashPass subscription
No foreign transaction fees
Purchase protection
Trip cancellation/interruption and luggage insurance
Cons
$95 annual fee
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Up to 9 points total for Hyatt stays — 4 Bonus Points per $1 spent at Hyatt hotels plus 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x points at restaurants, flights purchased directly from the airlines, fitness and gym memberships, and for local transit including rideshare, taxi, mass transit, and tolls
Complimentary entry-level World of Hyatt Discoverist elite status and earn 2 elite qualifying nights toward higher elite status for every $5,000 spent on the card
Complimentary hotel night certificate each calendar year after card anniversary
Additional complimentary hotel night certificate after spending $15,000 in a calendar year on the card
5 elite tier night credits each calendar year for having the card
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
60,000 points
$900
$199
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.
9x points per $1 spent total for Hyatt stays and experiences: Earn 4x points at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5x points spent just for being a World of Hyatt member.
2x points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
2x points per $1 spent on fitness club and gym memberships.
1x point per $1 on all other purchases
Automatic World of Hyatt Discoverist status
Gift World of Hyatt Discoverist status to up to 5 employees
Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
Access to the Hyatt Leverage program
Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
Primary rental car insurance
Trip cancellation and interruption insurance
Purchase protection and extended warranty protection
Cons
$199 annual fee
Bonus categories and benefits are very similar to the personal card
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
$100 Hyatt credit — $50 credit when spending $50+, twice per year
Up to 9 points total for Hyatt stays — 4 Bonus Points per $1 spent at Hyatt hotels plus 5 Base Points per $1 from Hyatt as a World of Hyatt member
2x points earning for gym and fitness membership purchases
2x points on 2 of 8 select bonus categories that include dining, airline tickets directly through the airline, local transit and computing, car rental agencies, gas stations, internet/cable/phone services, social media/search engine advertising, and shipping
Complimentary entry-level World of Hyatt Discoverist elite status and earn 5 elite qualifying nights toward higher elite status for every $10,000 spent on the card
After spending $50,000 on the card, you will receive 10% of points used for redemption in the form of a rebate (maximum 20,000 points)
Ability to gift Discoverist status to up to 5 employees
5 elite tier night credits for each $10,000 spent on the card in a calendar year
No-fee employee cards
Travel and Shopping Benefits and Protections
World of Hyatt-branded cards also come with several travel and shopping benefits and protections, including the following:
Trip Cancellation/Interruption — If your trip is canceled or interrupted due to a covered situation, you could be reimbursed up to $5,000 for prepaid and otherwise non-refundable travel expenses.
Trip Delay — If your common carrier trip is delayed more than 12 hours (or overnight), you could receive up to $500 per ticket for incidentals reimbursement.
Secondary Auto Rental Collision Damage Waiver — Coverage is provided for damage and theft to your rental car secondary to other auto insurance when the entire rental is paid for using your card and you have declined the rental agency’s CDW/LDW coverage.
Baggage Delay Insurance — If your baggage is delayed 6 hours or more, you could receive up to $100 per day for up to 5 days.
Lost Luggage Reimbursement — Receive up to $3,000 in coverage for checked or carry-on luggage if it is lost, damaged, or stolen.
Purchase Protection — If a qualifying item you purchased with your card is damaged or stolen within 120 days from the purchase date, you could receive a benefit of up to $500 per claim (maximum of $50,000 per account).
Extended Warranty Protection — The manufacturer’s warranty of 3 years or less that comes with a qualifying item will be extended for 1 year when purchased with your card.
Travel Accident Insurance — Receive up to $500,000 for a covered serious injury or death while traveling on a common carrier.
Bottom Line: The Hyatt loyalist will find their Hyatt experience enhanced greatly with a World of Hyatt-branded credit card. The cards come with complimentary elite status and a faster path to higher elite status for those who spend heavily on the cards. The cards also come with several travel and shopping benefits and protections.
World of Hyatt Elite Status
World of Hyatt-branded cards come with complimentary Discoverist status that normally requires staying 10 nights each year, earning 25,000 qualifying base points, or hosting 3 meetings/events.
Discoverist status is the lowest level of elite status in the World of Hyatt loyalty program but still grants several benefits.
All World of Hyatt elite members receive 5 base points for each $1 spent at Hyatt properties, special member rates, waived resort fees on award stays, premium internet, and bottled water.
Elite members also have the ability to earn Milestone Awards based on the number of nights stayed each year. Milestone Awards include benefits such as lounge access, bonus points, Hyatt gift cards, suite upgrades, and more.
Hot Tip: Joining the World of Hyatt loyalty program is free and members receive special member-only room rates, earn rewards points, and have resort fees waived on award nights. Learn more about the World of Hyatt loyalty program by reading our in-depth guide to Hyatt elite status which contains information on achieving status, reciprocal benefits with hotel/airline partners, and more.
Hotel-Branded Personal Credit Card Comparison
The World of Hyatt card holds its own among similar-level personal hotel-branded credit cards.
Let’s take a look at how the card stacks up against competitor cards.
2x points at restaurants, on flights purchased directly from the airlines, fitness and gym memberships, and for local transit including rideshare, taxi, mass transit, and tolls
1x points on all other purchases
Complimentary World of Hyatt Discoverist status
Free hotel night certificate each calendar year after card anniversary, good for Category 1-4 properties
Additional free hotel night after spending $15,000 in a calendar year
5 elite-tier qualifying nights each calendar year
2 additional elite-tier qualifying nights for each $5,000 spent on the card each calendar year
3x on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining
2x points for all other purchases
Complimentary Marriott Bonvoy Silver elite status
Spend $35,000 in a calendar year for Gold status
Free hotel night certificate worth up to 35,000 points at card anniversary, plus earn 1 Elite Night Credit towards Elite Status for every $5,000 you spend.
Free hotel night certificate at card anniversary good for up to 40,000 points
All of these cards come with a generous welcome bonus that is earned after meeting minimum spending requirements within the first 3 months after card approval.
Additionally, note that the number of points earned by spending on the associated hotel-branded credit card will be elevated with the bonus points for having the loyalty program elite status that comes complimentary with each hotel-branded card.
Here’s how the earnings break down by loyalty program:
Hilton Honors— a total of 30 points per dollar spent at Hilton properties: 12x points for paying with the card + 18x points for having Gold status
IHG One Rewards — a total of 25 points per dollar at IHG properties: 10x points for paying with the card + 10x points for being an IHG One Rewards member + 5x points for having Platinum Elite status
Marriott Bonvoy— a total of 17 points per dollar spent at Marriott: 6x points for paying with the card + 10x points for being a Marriott Bonvoy member +10% bonus for Silver Elite status
World of Hyatt — a total of 9 points per dollar spent at Hyatt: 4x points for paying with the card + 5x points for being a World of Hyatt elite member
Note that there may be some exceptions to these earning levels as certain hotel brands earn fewer points per dollar for stays. For example, the Tru by Hilton brand earns 5 base points per dollar per stay versus 10. Always check the associated loyalty program for exceptions.
Also, note that the Marriott Bonvoy loyalty program offers all members their fifth award night complimentary as does Hilton Honors for its elite members. IHG offers the fourth-night complimentary benefit via its co-branded cards. Hyatt does not offer a free night with award stays via its loyalty program or the World of Hyatt card.
Bottom Line: While the World of Hyatt card may not earn as many points per dollar at the associated hotel brand as its competitors’ cards, Hyatt points can be worth significantly more. To learn more about how much points and miles can be worth, check out our article where we break down the value of the various rewards currencies.
Alternative or Additional Cards for Hyatt Loyalists To Consider
If you stay at Hyatt properties frequently, chances are you’re a frequent traveler. If so, a travel rewards card that earns flexible points on travel purchases, allows for good value travel redemptions, and offers travel benefits you can use might be a prime consideration.
Here are a few of our favorite travel rewards cards that have the potential for being your go-to travel card or could make an excellent companion for a World of Hyatt-branded card.
Chase Sapphire Preferred® Card (Top Pick)
One of our most recommended cards for getting to know the benefits of earning and redeeming Chase Ultimate Rewards points is the Chase Sapphire Preferred card. It’s a card that will get plenty of use on an everyday basis and it comes with an excellent package of travel and shopping benefits.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
A fantastic travel card with a huge welcome offer, good benefits, and perks for a moderate annual fee.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
60,000 points
$1,200
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Sapphire Preferred® card is one of the best travel rewards cardson the market. Its bonus categories include travel, dining, online grocery purchases, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.
Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.
Pros
5x points on all travel booked via the Chase Ultimate Rewards portal
5x points on select Peloton purchases over $250 (through March 31, 2025)
5x points on Lyft purchases (through March 31, 2025)
3x points on dining purchases, online grocery purchases, and select streaming services
2x points on all other travel worldwide
$50 annual credit on hotel stays booked through the Chase Ultimate Rewards portal
6 months of complimentary Instacart+ (activate by July 31, 2024), plus up to $15 in statement credits each quarter through July 2024
Excellent travel and car rental insurance
10% annual bonus points
No foreign transaction fees
1:1 point transfer to leading airline and hotel loyalty programs like United MileagePlus and World of Hyatt
Complimentary Spot Club Platinum status with The Parking Spot for 2 years, 20% off of your first reservation, and points for 1 free day of parking (enroll by October 26, 2023)
Cons
$95 annual fee
No elite benefits like airport lounge access or hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Enjoy benefits such as 5x on travel purchased through Chase Ultimate Rewards®, 3x on dining, and 2x on all other travel purchases, and $50 annual Ultimate Rewards Hotel Credit, plus more.
Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 60,000 points are worth $750 toward travel.
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
Earn 3x points per dollar spent at restaurants, select streaming services, and online groceries
Earn 2x points on travel and 5x points for booking via the Ultimate Rewards travel portal
Earn 5x points on Lyft purchases (through March 2025)
Earn 5x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
10% anniversary bonus points based on total credit card spending
Points can be redeemed for travel on the Chase travel portal at the rate of 1.25 cents each
Complimentary DoorDash DashPass subscription; simply activate by December 31, 2024
No foreign transaction fees
Chase Ultimate Rewards points can be transferred directly to Hyatt, along with the other Chase transfer partners. The transfer ratio of 1:1 can result in good value when redeeming for select Hyatt properties. Free nights start at just 5,000 points.
Chase Sapphire Reserve®
If you’re looking for a premium travel rewards card, you might want to check out the Chase Sapphire Reserve card. Not only will you be earning big on travel, but you’ll also have several options for redeeming your points for travel.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
A top player in the high-end premium travel credit card space that earns 3x points on travel and dining while offering top luxury perks.
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening.
60,000 points
$1,200
$550
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Excellent (740-850)
If you’re looking for an all-around excellent travel rewards card, the Chase Sapphire Reserve® is one of the best options out there.
The card combines elite travel benefits and perks like airport lounge access, with excellent point earning and redemption options. Plus it offers top-notch travel insurance protections to keep you covered whether you’re at home or on the road.
Don’t forget the $300 annual travel credit which really helps to reduce the annual fee!
Pros
10x points on car rentals, hotels, and dining booked via the Chase Ultimate Rewards portal
10x points on Lyft purchases March 31, 2025
10x points on Peloton equipment and accessory purchases over $250 through March 31, 2025
5x points on airfare booked via the Chase Ultimate Rewards portal
3x points on all other travel and dining purchases; 1x point on all other purchases
$300 annual travel credit
Priority Pass airport lounge access
TSA PreCheck, Global Entry, or NEXUS credit
Access to Chase Luxury Hotel and Resort Collection
Rental car elite status with National and Avis
Cons
$550 annual fee
Does not offer any sort of hotel elite status
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
$300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
1:1 point transfer to leading airline and hotel loyalty programs
Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®
Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Earn 3 points per dollar spent on travel and at restaurants
Earn 5x points on flights via the Ultimate Rewards portal and 10x points for hotels and car rentals
Earn 10x points on Chase Dining
Earn 10x points on Lyft purchases (through March 2025)
Earn 10x points on Peloton equipment and accessory purchases over $250 (through March 31, 2025)
Points can be redeemed for 1.5 cents each towards travel via the Chase Travel portal
$300 statement credit for travel purchases each card anniversary
Complimentary DoorDash DashPass subscription (activate by December 31, 2024) and $5 monthly credit
No foreign transaction fees
Hot Tip: Both of these featured Chase premium cards offer a Pay Yourself Back benefit for purchases made in the past 90 days in select categories. You can redeem Ultimate Rewards points for statement credits at the rate of 1.25 cents per point on the Chase Sapphire Preferred card and 1.25 to 1.5 cents per point with the Chase Sapphire Reserve card. Want to know more about these 2 travel rewards cards? Check out our side-by-side comparison of the Chase Sapphire Preferred card and the Chase Sapphire Reserve card.
Chase Freedom Unlimited®
This no-annual-fee card is a great beginner card that pairs nicely with premium Ultimate Rewards earning cards.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
This all-purpose cash-back card offers great bonus categories, including bonus points for every purchase you make!
SPECIAL OFFER: Unlimited Matched Cash Back. Chase will automatically match all the cash back you earned at the end of your first year! There is no limit to how much cash back you can earn.
Matched Cash Back
$0
0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Chase Freedom Unlimited® is easily one of the best cash-back credit cards on the market. There aren’t many no-annual-fee credit cards that offer multiple great bonus categories like 5% back on travel purchased through Chase, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.
When paired with other Chase cards in the Ultimate Rewards family, you can transfer that cash back into points if you wish – making it one of the most lucrative cards in your wallet.
Pros
0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
5% back on travel purchased through Chase Ultimate Rewards
3% back on dining and drugstore purchases
1.5% back on all other purchases
No annual fee
Earn big on travel purchased through Chase Ultimate Rewards
Everyday bonus on dining and drugstores
Straightforward cash-back on all other purchases
Ability to pool points
Cons
3% foreign transaction fee
SPECIAL OFFER: Unlimited Matched Cash Back. Use your card for all your purchases and at the end of your first year, Chase will automatically match all the cash back you earned! There is no limit to how much you can earn. Every dollar in cash back rewards you earn is a dollar Chase will match.
Unlimited 1.5% cash back is just the beginning of what you can earn. You’ll enjoy 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery services, 5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; and 1.5% cash back on all other purchases.
Enjoy 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 20.49% – 29.24%.
No minimum to redeem for cash back. You can choose to receive a statement credit or direct deposit into most U.S. checking and savings accounts. Cash Back rewards do not expire as long as your account is open!
No annual fee – You won’t have to pay an annual fee for all the great features that come with your Freedom Unlimited® card
Keep tabs on your credit health, Chase Credit Journey helps you monitor your credit with free access to your latest score, real-time alerts, and more.
Member FDIC
Financial Snapshot
APR: 0% Intro APR for 15 months on purchases and balance transfers, then a variable APR of 20.49% - 29.24%.
Foreign Transaction Fees: 3% of each transaction in U.S. dollars
Earns Ultimate Rewards points that can be transferred to Chase premium cards such as the Chase Sapphire Preferred card and Chase Sapphire Reserve card then transferred to hotel and airline partners, including Hyatt
Points transferred to premium Chase Ultimate Rewards-earning cards can be redeemed for as much 1.5 cents each for travel
The Freedom Unlimited card offers great bonus categories and ensures all of your purchases are receiving rewards. And, with no annual fee, it’s a card you can keep in your wallet forever.
Ink Business Preferred® Credit Card (Best Business Card)
The smart business owner maximizes every opportunity to get ahead. Earning rewards on every purchase your business makes is one way to get ahead because it adds value to your bottom line.
The Ink Business Preferred card, a card we recommend often, serves that purpose well. You’ll earn Ultimate Rewards on every purchase and at redemption time those points can be redeemed for travel or transferred to travel partners for even greater potential value.
The rating for this card has been determined by our own industry experts who know the in's and out's of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
The Ink Business Preferred card is hard to beat, with a huge welcome bonus offer and 3x points per $1 on the first $150,000 in so many business categories.
Earn 100,000 bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash-back or $1,250 toward travel when redeemed through Chase Ultimate Rewards.
100,000 points
$2,000
$95
Upgraded Points credit ranges are a variation of FICO®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.
Good to Excellent (670-850)
The Ink Business Preferred® Credit Card is a powerhouse for earning lots of points from your business purchases, especially for business owners that spend regularly on ads.
Plus the card offers flexible redemption options, including access to Chase airline and hotel transfer partners where you can achieve outsized value.
Business owners will also love the protections the card provides like excellent cell phone insurance, rental car insurance, purchase protection, and more.
Pros
3x Ultimate Rewards points per $1 on up to $150,000 in combined purchases on internet, cable and phone services, shipping expenses, travel, and ads purchased with search engines or social media sites
Cell phone protection
Purchase protection
Trip cancellation and interruption insurance
Rental car insurance
Extended warranty coverage
Cons
No elite travel benefits like airport lounge access
Earn 100k bonus points after you spend $8,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
Round-the-clock monitoring for unusual credit card purchases
With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Earns Ultimate Rewards points that can be transferred to World of Hyatt (1:1 ratio) and other hotel/airline partners
Ultimate Rewards points can be redeemed for 25% more in value via the Chase travel portal
3x points earned for travel purchases, internet/cable/phone, shipping, and advertising purchased through social media and search engines (maximum $150,000 in purchases per year)
Hot Tip: You’ll notice that most of the cards we’ve featured in this article are issued by Chase. The card issuer, unfortunately, has an (unwritten) rule regarding the number of credit cards you have applied for in the last 24 months. The “rule” is referred to as the Chase 5/24 rule and can affect whether you’re approved for Chase credit cards.
Final Thoughts
If you frequent a particular hotel brand, having that hotel chain’s branded credit card can significantly increase your earnings and provide benefits that can make your stay more comfortable.
If you’re a Hyatt loyalist, having a World of Hyatt-branded credit card makes perfect sense. The complimentary night certificate offered each calendar year after the card anniversary on the personal card can be worth the annual fee as the certificate can be used at Category 1-4 properties. For example, you could redeem your certificate at the Grand Hyatt Melbourne, Australia, a Category 4 property, where rates can be as much as $350 per night at peak times.
World of Hyatt-branded cards, like other hotel credit cards associated with a preferred brand, present a value proposition for the Hyatt loyalist. Also, like other hotel-branded cards, these cards may pair well with a general travel rewards card to ensure that all of your expenses are earning the most rewards possible and that you’re receiving a full package of travel benefits and protections.
The information regarding The World of Hyatt Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Boundless® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
If you stay at Hyatt properties, even occasionally, a World of Hyatt-branded card is worth it.
Additionally, if you value World of Hyatt elite status, World of Hyatt-branded cards offer a fast path to get there by granting complimentary entry-level elite status and facilitating a way to spend your way to higher elite status.
The cards also come with travel and shopping benefits that provide protection, potentially saving you money.
Can I have more than 1 Hyatt credit card?
Yes, you can have both a personal and business World of Hyatt-branded card.
How does the Hyatt free night certificate work?
The World of Hyatt card offers a free hotel night certificate good for 1 free night at a Category 1-4 Hyatt property each year at the card anniversary.
Once you have paid your renewal, you will receive your free night certificate within 10 weeks. The certificate is good for 12 months from the date it is issued.
You can earn an additional free hotel night certificate by spending $15,000 in a calendar year on your World of Hyatt card. The certificate will be issued within 2 to 3 weeks after you have completed the spending.
Free night certificates are issued to primary cardholders. Additional authorized users are not eligible for free night certificates.
How much does a free hotel room cost using Hyatt points?
Hyatt properties are divided into 8 categories. A Category 1 property can be purchased starting at just 3,500 World of Hyatt points.
Christine ran her own business developing and managing insurance and financial services. This stoked a passion for points and miles and she now has over 2 dozen credit cards and creates in-depth, detailed content for UP.
This bonus value is an estimated valuation calculated by UP after analyzing redemption options, transfer partners, award availability and how much UP would pay to buy these points.
![The 6 Best Credit Cards for World of Hyatt Loyalists [2023]](https://upgradedpoints.com/wp-content/uploads/2022/12/Park-Hyatt-Sydney-Deck-Chairs.jpg?auto=webp&disable=upscale&width=1420&height=650&fit=crop)
