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Chase Sapphire Preferred Card vs. World of Hyatt Card [Detailed Comparison]

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One of the most common questions to ask about credit cards is whether to get a flexible rewards card or a co-branded airline or hotel card. And while there’s no catch-all answer, the right choice for you is typically pretty simple.

If you spend a ton of money at a specific hotel chain or airline, you should probably get a co-branded hotel or airline credit card that’s associated with the brand you frequent. However, if you estimate that your everyday purchases typically outweigh your hotel or airline spending, you should get a flexible rewards credit card.

In this guide, we’ll be comparing 2 of Chase’s most popular credit cards: the Chase Sapphire Preferred® Card, a flexible rewards card, and The World of Hyatt Credit Card, a hotel credit card. We’ll be doing a deep dive on every aspect of each card, including welcome bonuses, earning rates, hotel benefits, travel protections, shopping perks, and much more.

Let’s get into it!

Chase Sapphire Preferred Card vs. World of Hyatt Card — Overview

Here’s a high-level overview of what each card has to offer:

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Feature/Benefit

Chase Sapphire Preferred® Card

The World of Hyatt Credit Card

Welcome Offer

Earn 60,000 points after you spend $4,000 on purchases in the first 3 months.

Earn 30,000 points after you spend $3,000 on purchases in your first 3 months and up to 30,000 more points by earning 2x points total on purchases that normally earn 1 bonus point, on up to $15,000 spent, in the first 6 months.

Earning Potential

  • 5x points on travel booked through Chase Travel and Lyft (through March 31, 2025)
  • 3x points on dining, online grocery purchases, and select streaming services
  • 2x points on other travel
  • 10% anniversary points bonus based on the dollar amount spent
  • 4x points at all Hyatt hotels
  • 2x points spent at restaurants, airfare booked directly from the airline, local transit and commuting, fitness club and gym memberships

Redemption Options

  • Transfer to airline and hotel partners
  • Travel purchases made through Chase Travel (25% redemption bonus)
  • Cash-back/statement credits; gift cards; online shopping; Amazon.com purchases
  • Redeem for free hotel nights, upgrades, and Points + Cash bookings, dining, spa treatments, meetings and events, and FIND experiences within the World of Hyatt hospitality umbrella
  • Rental cars; Convert to frequent flyer miles

Hotel Program Benefits 

  • Access to the Luxury Hotel & Resort Collection
  • 1 free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary; plus an extra free night at a Category 1-4 Hyatt hotel if you spend $15,000+ in a calendar year
  • Automatic World of Hyatt Discoverist status
  • Receive 5 qualifying night credits every year; plus, an additional 2 qualifying night credits when you spend $5,000+ on the card

Statement Credits

  • Up to $50 in annual Ultimate Rewards hotel credits
  • Up to $15 in quarterly Instacart+ credits after activating by July 31, 2024
  • None

Travel Benefits and Protections

Primary rental car insurance; lost or delayed baggage coverage; trip cancellation and interruption insurance; trip delay insurance; travel accident insurance

Secondary rental car insurance; lost or delayed baggage coverage; trip cancellation and interruption insurance; trip delay insurance; travel accident insurance

Shopping Benefits and Protections

  • Complimentary 6-month Instacart+ membership after activating by July 31, 2024
  • Complimentary DoorDash DashPass subscription for a minimum of 1 year if activated by December 31, 2024
  • No foreign transaction fees
  • Complimentary DoorDash DashPass subscription for a minimum of 1 year if activated by December 31, 2024
  • No foreign transaction fees

Annual Fees

$95$95

Authorized Users

No additional annual fees for authorized users

No additional annual fees for authorized users

Bottom Line: The Chase Sapphire Preferred card offers cardholders the ability to earn up to 5x Ultimate Rewards points across many different categories that you can redeem for flights, hotels, cash-back, and more, while the World of Hyatt card earns up to 4x World of Hyatt points that you can redeem primarily for free hotel nights. 

The Value of a Welcome Offer

One of the biggest reasons why you’d want to open a new credit card is for a valuable welcome offer. This is one of the easiest ways you can immediately get rewarded (often in a big way) for new card membership.

Here are the current welcome offers for each card:

Chase Sapphire Preferred Card

Chase Sapphire Preferred® Card
U.P. Rating 
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 great welcome offer, good benefits, and perks for a moderate annual fee.

Learn More(at Chase's secure site)
A fantastic travel card with a great 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 Travel℠.
60,000 points
$1,200
$95
21.49%-28.49% Variable
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 cards on 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 Travel portal
  • 5x points on select Peloton purchases over $150 (through March 31, 2025)
  • 5x points on Lyft purchases (through March 31, 2025)
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 Travel℠.
  • Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. 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.
  • Member FDIC
Financial Snapshot
  • APR: 21.49%-28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

Chase Ultimate Rewards

World of Hyatt Card

The World of Hyatt Credit Card
U.P. Rating 
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.

Learn More(at Chase's secure site)
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 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.
Up to 60,000 points
$900
$95
21.49% - 28.49% Variable
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 on qualified purchases at Hyatt hotels & up to 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
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 on qualified purchases at Hyatt hotels & up to 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
  • Member FDIC
Financial Snapshot
  • APR: 21.49% - 28.49% Variable
  • Foreign Transaction Fees: None
Rewards Center

World of Hyatt

Chase Ultimate Rewards Points vs. World of Hyatt Points

To start our discussion of Chase Ultimate Rewards points versus World of Hyatt points, it’s important to know that we value Chase points at 2 cents each, while World of Hyatt points are worth 1.5 cents apiece according to our valuations.

We value Chase points higher because of their flexibility — they can be transferred to over a dozen travel partners, including Hyatt. Chase points can be transferred at a 1:1 ratio to World of Hyatt almost instantaneously, but World of Hyatt points cannot be transferred to Chase points (or to many other partners).

Chase Ultimate Rewards also has several different popular airline and hotel partners that you can transfer points to and book other types of travel (and often for incredible value, too). For example, you can transfer Chase Ultimate Rewards points to Air Canada Aeroplan to book business class flights to Europe on airlines such as Lufthansa, SWISS Air, and even Emirates.

And if you want to transfer points to World of Hyatt to book that awesome hotel room, you have the freedom to do so with Chase points.

Unfortunately, World of Hyatt points can’t be transferred in reverse to Chase Ultimate Rewards points, which limits the ways you can get good redemption value.

Nonetheless, Chase points are always just as valuable, if not more valuable than World of Hyatt points.

Earning Potential

Chase Sapphire Preferred Upgraded Points LLC 05 Large
Earn 3x points at restaurants with the Chase Sapphire Preferred card, compared to 2x points with the World of Hyatt card. Image Credit: Upgraded Points
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You’ll notice that from the table above, the World of Hyatt card really only outperforms the Chase Sapphire Preferred card in 2 categories:

  • Purchases at Hyatt hotels
  • Fitness club and gym memberships

However, the Chase Sapphire Preferred card outperforms the World of Hyatt card in most other categories, including popular spending areas like restaurants, general travel, and online grocery purchases.

So, unless you’re spending thousands of dollars per month at Hyatt hotels or gyms, the Chase Sapphire Preferred card will likely earn you more points than the World of Hyatt card.

10% Anniversary Points Boost

Another feature of the Chase Sapphire Preferred card is the 10% anniversary points boost you’ll receive after each cardmember anniversary. The amount of points you earn is based on the total dollar amount spent on the card in 1 year (not the total amount of points earned with the card).

For example, if you spend $50,000 on your credit card in a year, you’ll get an anniversary bonus of 5,000 Chase Ultimate Rewards points.

The World of Hyatt card does not award any annual bonus points.

Redemption Options

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Redemption Option

Chase Sapphire Preferred Card — Ultimate Rewards Points

World of Hyatt Card — World of Hyatt Points

Transfer to Airline and Hotel Partners

Yes (including to World of Hyatt)

Yes (at a poor ratio)

Travel via Chase Travel

Yes

No

Cash-back

Yes

No

Statement Credits

Yes

No

Gift Cards

Yes

No

Online Shopping

Yes

No

Pay Yourself Back

Yes

No

Amazon.com Purchases

Yes

No

Charity

Yes

No

Free Hotel Nights, Upgrades, and Points + Cash Bookings

Yes (via World of Hyatt)

Yes

Dining, Spa Treatments, Meetings, and Events

Yes (via World of Hyatt)

Yes

FIND Experiences

Yes (via World of Hyatt)

Yes

Rental Cars

Yes

Yes

When you restrict yourself to earning just World of Hyatt points, you can really only use those points for redemptions within the World of Hyatt ecosystem. Sure, you can transfer your World of Hyatt points to airline partners, but the subpar transfer ratio makes it a bad idea in most situations. Additionally, World of Hyatt points cannot be cashed out in any way.

Fortunately, World of Hyatt points are some of the most valuable hotel points out there, so you can get great redemptions when redeeming for free nights. For example, the Park Hyatt Mendoza in Argentina starts at just 9,000 points per night while the Thompson Chicago starts at 12,000 points per night.

However, the Chase Sapphire Preferred card earns Ultimate Rewards points, which allows the flexibility to be transferred to World of Hyatt, United MileagePlus, and other travel partners, in addition to being able to redeem for cash-back or travel through Chase Travel.

At any point in time, you can choose to cash out your Chase points for a flat 1 cent per point of value. You can also redeem your points for travel booked through the Chase Travel portal or for Pay Yourself Back for 1.25 cents each.

But our favorite way to use Chase points is for transfers to airline and hotel partners. In particular, you can transfer to World of Hyatt to book 5-star luxury hotels and resorts using points as well as airline partners, such as Singapore Airlines KrisFlyer, to book business and first class flights on some of the best airlines in the world.

Hot Tip: There are tons of ways to get big value from Chase Ultimate Rewards points, make sure to read our guide on maximizing their value.

Hotel Program Benefits

Suite at Thompson Chicago
Thompson Chicago. Image Credit: Hyatt

The major area where the World of Hyatt card sets itself apart from the rest of the pack is the benefits you get with the World of Hyatt loyalty program, especially if you spend a lot of money on the card.

Without spending on the World of Hyatt card, though, you’ll enjoy 1 free night at a Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary. This can be used at hotels that cost up to 18,000 Hyatt points per night.

You’ll also get automatic Discoverist elite status, as well as 5 tier-qualifying night credits each year to help you qualify for higher elite status levels.

There are 2 additional ways you can use credit card spending to get more out of your World of Hyatt card:

  • Get an extra free night at a Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year
  • Earn 2 tier-qualifying night credits every time you spend $5,000 on your card

To earn top-tier World of Hyatt Globalist status, you need to earn 60 tier-qualifying night credits. And since you get 5 nights just by holding the World of Hyatt card, you’ll qualify for Globalist if you earn 55 more elite night credits that same year. Even if you don’t spend a single night in a Hyatt hotel, you could earn the other 56 elite-night credits by spending on the card alone — you’d need to put $140,000 on your card in a year to qualify.

And when you consider the fact that Globalist status gets you guaranteed 4 p.m. late checkout, room upgrades (including standard suites), club lounge access or free breakfast, and free parking on award nights, you can start to see how you’ll be living it up at World of Hyatt properties around the world if you have Globalist status.

The Chase Sapphire Preferred card, on the other hand, does not confer any hotel-specific benefits. But it does get you access to The Luxury Hotel & Resort Collection, which offers you daily breakfast for 2, a room upgrade if available, early check-in and late checkout (if available), a special property amenity, and free Wi-Fi. Currently, there are over 1,000 high-end properties around the world that are part of The Luxury Hotel & Resort Collection.

Statement Credits

The Chase Sapphire Preferred card has several statement credits, these include:

The World of Hyatt card does not enjoy any statement credit benefits, but don’t forget about the free night at a Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary, which can easily be worth $200 towards a stay at a Hyatt property.

Travel Benefits and Protections

Aircraft cabin
Image Credit: Suhyeon Choi via Unsplash

Car Rental Loss and Damage Insurance

Both the Chase Sapphire Preferred card and the World of Hyatt card boast complimentary insurance for damage and theft of your rental car.

However, both of these cards require you to pay for your rental car reservation using your eligible credit card and to decline the car rental company’s collision damage waiver or loss damage waiver (CDW or LDW) to get coverage.

The Chase Sapphire Preferred card gets you primary rental car insurance, which means you don’t need to file a claim with your insurance first. Meanwhile, the World of Hyatt card delivers secondary rental car insurance, which means that you need to file a claim with your insurance before any of your card’s insurance kicks in.

Trip Interruption and Cancellation Insurance

Additionally, the Chase Sapphire Preferred card offers generous trip interruption and cancellation insurance.

Currently, you can be reimbursed for up to $10,000 per approved claim and up to $20,000 per trip for any prepaid, nonrefundable expenses lost due to covered interruptions or cancellations, including from eligible illness, weather, or other covered incidents. You can get up to $40,000 in reimbursements every rolling 12 months.

The trip cancellation and interruption insurance policy isn’t quite as good on the World of Hyatt card, as you will get up to $5,000 per person and $10,000 per trip with a maximum of $20,000 in reimbursements every rolling 12 months.

Trip Delay Reimbursement

The Chase Sapphire Preferred card and World of Hyatt card both offer you up to $500 in trip delay reimbursements, with up to 1 approved claim per trip, on covered delays of more than 12 hours (or delays that require an overnight stay).

Lost and Delayed Luggage Coverage

The Chase Sapphire Preferred card and World of Hyatt card are both great for lost and delayed luggage. You’ll enjoy these benefits:

  • Up to $3,000 per person per trip in lost luggage reimbursement
  • $100 per day for up to 5 days in delayed luggage reimbursement for baggage delays over 6 hours

Roadside Assistance Service

With both the World of Hyatt card and the Chase Sapphire Preferred card, you can access roadside dispatch services for a flat fee per service call, coverage includes:

  • Towing (up to 5 miles)
  • Tire changing (must have a good, inflated spare)
  • Jump starting (battery boost)
  • Lockout service (key replacement not included)
  • Fuel delivery (up to 5 gallons, cost of fuel not included)
  • Winching (within 100 feet of paved or county-maintained road only)

Emergency Travel Assistance

With both the Chase Sapphire Preferred card and the World of Hyatt card, you can access travel and emergency assistance services if you run into a problem away from home. This includes referrals only and any costs incurred are your responsibility.

The services included are:

  • Emergency Message Service: relay and record emergency messages to travelers, immediate family members, or business associates
  • Medical Referral Assistance: provide medical referral, monitoring, and follow-up
  • Legal Referral Assistance: arrange contact with English-speaking attorneys and U.S. embassies/consulates
  • Emergency Transportation Assistance: can help make arrangements for emergency transportation home or to the nearest medical facility
  • Emergency Ticket Replacement: helps you with carrier’s procedures and delivery of a replacement ticket
  • Lost Luggage Locator Service: provides help with carrier’s claim procedures or arranges shipment of replacement items
  • Emergency Translation Service: telephone assistance and help finding local interpreters
  • Prescription Assistance: get prescriptions filled locally and arrange for pick-up or delivery
  • Valuable Document Delivery Arrangements: transport vital documents the cardholder may have left at home
  • Pre-trip Assistance: provides information about ATM locations, health precautions, local currency, exchange rates, and more

Travel Accident Insurance

The World of Hyatt card and Chase Sapphire Preferred card both offer up to $500,000 in travel accident insurance when you pay for your air, bus, train, or cruise transportation with your card.

Concierge and Travel Assistance

Both the Chase Sapphire Preferred card and World of Hyatt card offer complimentary access to the Visa Signature Concierge Service 24/7, which can help you find tickets to top events and make exclusive dinner reservations.

Shopping Benefits and Protections

Shopping
Image Credit: Jacek Dylag via Unsplash

Instacart Benefits

With the Chase Sapphire Preferred card, you get a complimentary 6-month membership to Instacart+ and $15 per quarter in statement credits when you activate Instacart+ by July 31, 2024. Instacart+ offers unlimited free grocery delivery on orders of $35 or more, lower service fees, and other benefits.

The World of Hyatt card doesn’t partner with Instacart for any special benefits.

DoorDash Benefits

Both cards offer you a complimentary DoorDash DashPass subscription for a minimum of 1 year when you activate by December 31, 2024. DoorDash’s DashPass offers benefits like no delivery fees and reduced service charges on orders over $12.

Purchase Protection

The Chase Sapphire Preferred card and World of Hyatt card both have a purchase protection policy of up to $500 in coverage per item and up to $50,000 in total claims per calendar year against incidents like theft or damage that occur up to 120 days after you purchase a new item.

You must make the purchase on your card to be eligible for this perk.

Extended Warranty

The Chase Sapphire Preferred card helps you extend an eligible U.S. manufacturer’s warranty of 3 years or less by 1 additional year, as does the World of Hyatt card.

You must make the purchase on your card to be eligible for this perk.

Foreign Transaction Fees

Both cards do not levy any foreign transaction fees.

Annual Fees and Adding Additional Users

Annual Fees

The Chase Sapphire Preferred card has a $95 annual fee and the World of Hyatt card also has a $95 annual fee.

Authorized Users

Both of these cards have no additional annual fees for authorized users.

Final Thoughts

The Chase Sapphire Preferred card and the World of Hyatt card have quite a few similarities. For example, they both have the same annual fee, don’t charge foreign transaction fees, and have the ability to redeem points for free hotel nights at World of Hyatt properties.

However, upon closer inspection, you’ll notice that the Chase Sapphire Preferred card offers superior benefits, including stronger everyday points-earning categories, and Instacart+ perks, and better rental car coverage and trip interruption/cancellation coverage, as well as more flexibility in the way you redeem your rewards.

That being said, the World of Hyatt card offers a free night at Category 1-4 Hyatt hotels and resorts after each cardmember anniversary, automatic Discoverist status, and 5 elite night credits every year.

The World of Hyatt card can also help you spend your way to higher levels of elite status, including top-tier Globalist status. Being able to earn top-tier hotel status exclusively through credit card spend is a very rare benefit that big spenders can maximize!

All in all, there are plenty of good reasons to get either of these credit cards (or even both). However, if you’re not a Hyatt die-hard loyalist, you’ll most likely get more value out of the Chase Sapphire Preferred card, especially considering how many redemption options you have.

At the same time, the World of Hyatt card could potentially get you some amazing value as a World of Hyatt loyalist.

Frequently Asked Questions

Does the Chase Sapphire Preferred card partner with Hyatt?

The points that you earn on the Chase Sapphire Preferred card can be transferred to World of Hyatt at a 1:1 ratio. So, yes, the Chase Sapphire Preferred card can be used to book free nights at Hyatt hotels and resorts.

Are Chase points worth more on Hyatt?

Chase points are generally worth a lot when you transfer them to World of Hyatt. That’s because Hyatt points can be used to book some of the best luxury hotels in the world for a (relatively) reasonable amount of points.

Is the Chase Sapphire Preferred card good for hotels?

Absolutely! You’ll earn up to 5x Ultimate Rewards points on hotels if you book stays through the Chase Ultimate Travel portal. You’ll also enjoy an annual $50 hotel credit when booking a hotel through Chase Travel.

What is the point conversion from Chase to Hyatt?

Chase Ultimate Rewards points transfer to Hyatt at a 1:1 ratio. Transfers are almost always instant, but they can take up to 2 business days in some instances.

Is Chase Sapphire Preferred card worth it if you don't travel?

Yes, the Chase Sapphire Preferred card can still be a good choice even if you don’t travel often. In addition to transferring your points to travel partners or booking travel through Chase, you can also use Ultimate Rewards points for statement credits, gift cards, cash-back, or even Pay Yourself Back.

Plus, the card comes with statement credits and complimentary memberships to food/grocery delivery services such as DoorDash, and Instacart+.

How many Hyatt points equal a free night?

You can redeem as few as 5,000 Hyatt points for a free night in a Category 1 hotel’s standard room. However, standard rooms at high-end properties can cost upwards of 45,000 points per night.

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About Stephen Au

Stephen is an established voice in the credit card space, with over 70 to his name. His work has been in publications like The Washington Post, and his Au Points and Awards Consulting Services is used by hundreds of clients.

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