The World of Hyatt Credit Card – Full Review [2021]

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The World of Hyatt Credit Card – Full Review [2021]

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"Quickly earn free nights at Hyatt Hotels!"

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and 4x points per $1 on Hyatt stays.

Apply Now (at Chase's secure site)

World of Hyatt elite status is a fan favorite among frequent travelers, and the Hyatt Credit Card helps you get there faster and makes your Hyatt stays more rewarding. The Hyatt Credit Card is a must-have for any traveler who regularly stays at Hyatt hotels, or even just for those who are able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits that the Hyatt Credit 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
  • No foreign transaction fees
  • Purchase protection
  • Trip cancellation/interruption and luggage insurance

Cons

  • $95 annual fee

World of Hyatt Credit Card — Snapshot

  • Welcome Bonus & Info (Partner Content)
    • 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
    • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
    • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open
    • 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 airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Card Categories:
  • Rewards Center
  • Customer Service Number
    1-800-436-7941
  • Login Link
  • Related Articles

The Ideal Cardholder

Chase Hyatt Credit Card Good for Business or Pleasure
The Hyatt Credit Card is a good option if you’re looking to take a vacation for business or pleasure… but why can’t it be both? Image Credit: Dmitrijs Dmitrijevs via Shutterstock

The Hyatt Credit Card is best suited for those who enjoy staying in Hyatt hotels, want Hyatt elite status, and stay in Hyatt hotels often enough to take advantage of the card’s perks and benefits.

Anniversary Free Night Certificate

The card’s annual free night certificate is likely one of the benefits that will excite cardholders the most. After all, this benefit alone can easily cover the cost of the card’s $95 annual fee each year. With the free night certificate, each year you’ll be able to redeem it at any Category 1 to Category 4 Hyatt hotel. Certificates are valid for an entire year after they are issued.

While this certificate won’t get you a free night at the most luxurious properties on earth, there are some pretty stellar Hyatt hotels that are Category 4 or lower that can cost upwards of $300 a night.

Hot Tip: Need some ideas of where to redeem your Hyatt free night certificate? We’ve got you covered! You can also earn a second free night certificate when you spend $15,000 on your card each year.

Discoverist Status

Even though Hyatt Discoverist status is the lowest elite level in the World of Hyatt loyalty program, it will still make your stays with Hyatt more rewarding, especially if you did not have status with Hyatt to begin with.

Hyatt Discoverist comes with perks like:

  • 10% bonus points on stays
  • 2:00 p.m. late checkout (subject to availability)
  • Preferred Room upgrades
  • Waived resort fees
  • M Life Pearl status

These benefits can really help enhance your Hyatt stays — after all, who doesn’t love late checkouts, bonus points, and room upgrades? Keep in mind that “Preferred Room” upgrades generally just include rooms on a higher floor or with a nicer view.

Elite Night Credits/Spend Your Way to Status

The Hyatt Credit Card allows you to spend your way to elite status without ever needing to step foot in a Hyatt hotel.

How is this possible? For starters, all cardholders receive 5 elite night credits at the start of each year, bringing the number of additional elite nights required to reach Explorist status to 25, and 55 elite nights needed for Globalist.

From there, cardholders will earn another 2 elite night credits for every $5,000 they spend on the card. So spending $65,000 would earn you 26 elite night credits, pushing you over the threshold for Explorist status, and spending $140,000 would earn you 56 elite night credits, pushing you over the threshold for Globalist status.

While that is a bit of an extreme example, and would only be suited for those with large levels of annual spending, it does showcase how reaching high levels of Hyatt elite status can be made even easier if you regularly spend on the Hyatt Credit Card and regularly stay in Hyatt hotels.

Consider a more realistic example where a cardholder spends $15,000 on their Hyatt Credit Card each year ($1,250 per month) — this would leave them with 11 elite night credits (5 for holding the card plus 6 for the annual spend), plus a second free night certificate, and leaves just 19 elite nights needed from actual stays throughout the year in order to each Explorist status.

Hot Tip: Due to COVID-19, elite requirements for 2021 have been reduced by 50%. See all of the changes in our article Coronavirus (COVID-19): Hotel Elite Status Extensions, Changes, and Updates.

Great Card if

  • You’re a Hyatt loyalist or enjoy visiting their hotels a few times each year
  • You want to earn Hyatt elite status
  • You see value in the benefits of the card and feel they’re more valuable than the annual fee

Don't Get if

  • You’re not a fan of Hyatt hotels or don’t travel very much
  • You prefer a card with more flexible travel rewards
  • You want a card with no annual fee

World of Hyatt Credit Card — Fees

  • Annual Fee
    • $95
  • Foreign Transaction Fees
    $0
  • Interest Rates
    • 15.99% to 22.99% variable
  • Late fees
    • Up to $39
    • Penalty APR: Up to 29.99%
  • Balance Transfers
    • 15.99% to 22.99% variable
    • Fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.
  • Cash Advance APR
    • 24.99% variable
    • Fee: Either $10 or 5% of the amount of each transaction, whichever is greater.

Best Way to Maximize World of Hyatt Points

The Confidante Miami Beach
Use your free Category 1 to 4 certificate to stay at any Category 1 to 4 hotel in the world including the Confidante Miami Beach. Image Credit: Hyatt

Hyatt Stays

No surprises here, obviously if you’re going to add the Hyatt Credit Card to your wallet you’re going to want to make it your primary option when paying for your stays at Hyatt hotels. The card is very rewarding for Hyatt stays as well, earning 4x World of Hyatt points per $1 spent. This represents a 6.4% return on your spend at Hyatt hotels, based on our 1.5 cents per point valuation for World of Hyatt points.

The value doesn’t stop there, though. Thanks to the Discoverist status you have for holding the card, you’ll receive a 10% bonus in base points earned during your stays. All Hyatt members earn at least 5x points per $1 spent during stays, your 10% Discoverist bonus improves this to 5.5x points per $1.

So, cardmembers will earn 5.5x points for being a Discoverist member, plus 4x points for paying with their Hyatt Credit Card, for a total of 9.5x points per $1, or a 15.2% return on Hyatt stays.

Thought of another way, you’d need to spend just $527 at Hyatt hotel in order to earn the 5,000 points needed for a free Category 1 night, $1,579 at Hyatt hotels in order to earn the 15,000 points needed for a free Category 4 night, and $3,158 spent at Hyatt hotels in order to earn 30,000 for a free night at top-tier Category 7 hotel.

Restaurant, Airfare, Transit/Rideshare, and Fitness Membership Purchases

The Hyatt Credit Card offers multiple other bonus categories to help cardholders rack up more points. These categories include dining at restaurants, airfare purchased directly from airlines, local transit and rideshare purchases, along with fitness club/gym memberships.

When you use your Hyatt Credit Card for purchases in any of these categories you’ll earn 2x points per $1 spent. This is obviously not a staggering amount by any means, but it is a great benefit that cardholders have 4 bonus categories outside of Hyatt stays in which they can earn bonus points. Being able to earn 2x bonus points at fitness club/gym memberships is especially interesting as the Hyatt Credit Card is the first of its kind to offer this as a bonus category.

Everyday Purchases

For all purchases falling outside of the card’s bonus categories, you’ll still earn 1x point per $1 spent. The Hyatt Credit Card definitely isn’t the best option for non-bonused spending when compared to others like the Chase Freedom Unlimited® card or the Citi® Double Cash Card, but for those who are trying to earn as many World of Hyatt points as possible towards a certain redemption, every little bit helps.

Refer-a-Friend Bonus Rewards

You can refer your friends for Chase credit cards and earn up to 25,000 World of Hyatt points per year — 5,000 for each friend you refer to the Hyatt Credit Card. To see if your card is eligible, visit the Refer-a-Friend website and enter your last name, zip code, and the last 4 digits of your credit card number.

Hot Tip: If you were to refer 5 friends and/or family members each year, the 25,000 World of Hyatt points you earn would be enough for a free night at a Category 6 Hyatt hotel like the Carmel Valley Ranch.

Adding Premium Chase Ultimate Reward Cards

Hyatt is one of the Chase Ultimate Reward transfer partners, so adding a premium Ultimate Rewards earning card that has access to transfer partners will help you add to your Hyatt point balance.

For example, the Chase Sapphire Preferred® card offers access to Chase transfer partners and earns 2x Ultimate Rewards points per $1 spent on all travel and dining purchases.

With this setup, you could use your Chase Sapphire Preferred card on all dining and travel purchases (since we value 2x Ultimate Rewards points more than 2x World of Hyatt points), and your Hyatt Credit Card for Hyatt stays and fitness memberships. Then you can transfer any Chase Ultimate Rewards points needed over to your Hyatt account when you’re ready to make a redemption.

Best Way to Redeem World of Hyatt Points

Once you’ve built up a nice balance of World of Hyatt points, next comes the fun part — spending them! So how do you get the maximum value out of your World of Hyatt points?

Hyatt Award Redemptions

The obvious choice for the best way to spend your World of Hyatt points is for award nights at Hyatt hotels. But luckily, the most straightforward benefit is also the most valuable. This is because the World of Hyatt program easily has one of the best award charts of all hotel loyalty programs. Here it is in its entirety:

Hyatt Award Chart
Hyatt award chart. Image Credit: Hyatt

As you can see, free nights in the World of Hyatt program start at just 5,000 points per night, and top-tier Category 7 and 8 hotels cost just 30,000 to 40,000 points per night. When compared against top-tier categories in competition programs like Hilton Honors and Marriott Bonovy that charge 95,000 and 85,000 respectively, it is easy to see why people love the World of Hyatt program.

World of Hyatt Points + Cash Redemptions

If you’re wanting to stretch your points out, or simply don’t have enough available to book an entire stay at the property you’re planning to visit, you have the option of booking a Points + Cash Redemption.

With Points + Cash you’ll pay half of the points required for a free award night, plus 50% of the given cash cost of the night.

Hyatt PointsCash
World of Hyatt Points + Cash award chart. Image Credit: Hyatt

Again, this option might work well for those looking to stretch out their points, or for those who don’t want to fork out the full cash rate for a stay.

Hot Tip: When you make a World of Hyatt Points + Cash booking, you’ll still earn World of Hyatt points for the cash portion of your stay.

Dining, Spa, and Meeting Credits

You can redeem your points during your stays for dining or spa credits with the hotel, and depending on the service selected, you should generally receive between 1 cent and 1.5 cents per point in value. Meeting credits, on the other hand, start at 15,000 World of Hyatt points for a $200 credit, or 1.3 cents per point in value.

While neither of these is necessarily horrible from a value perspective, it is still less than the 1.5 cents per point that we feel you should aim to get from hotel stays.

Rental Cars

You can also redeem your World of Hyatt points for a rental car with Avis, but this redemption usually offers less than 1 cent per point in value, so we strongly advise against redeeming your points this way.

Instead, considering just putting your rental car on a credit card that offers primary rental car coverage.

Airline Transfer Partners

You can transfer your World of Hyatt points to over 20+ airlines at a rate of 2.5 World of Hyatt points to 1 airline mile. You must convert a minimum of 5,000 points, and additional points can be converted in 1,250 increments. You’ll also earn an extra 5,000 bonus airline miles when you convert 50,000 or more World of Hyatt points.

For most airlines, every 5,000 World of Hyatt points transferred will leave you with 2,000 airline miles, with the exception of the following airlines:

  • 4,000 Aeromexico/LAN Airlines S.A. kilometers (5:4 rate)
  • 3,200 Air China kilometers (5:3.2 rate)
  • 3,200 China Eastern Airlines points (5:3.2 rate)
  • 2,400 Qantas Airways points (5:2.4 rate)
  • 2,400 Southwest Airlines points (5:2.4 rate)
  • 3,000 Virgin Atlantic Airways miles (5:3 rate)

Given these rates, it could make sense to move a small amount of World of Hyatt points to an airline only if you need a small boost to make a specific redemption possible. But we would not advise that you transfer large amounts of World of Hyatt points to airlines as the value is generally not favorable.

Bottom Line: All things considered, we recommend you mainly focus on redeeming your World of Hyatt points for Hyatt stays, as that option is usually both the most straightforward and the most valuable. 

Alternative Cards to the Hyatt Credit Card

Hilton Honors American Express Surpass® Card

If you’re not a Hyatt loyalist and prefer Hilton hotels instead, then the Hilton Surpass card is worthy of consideration. The Hilton Surpass card earns 12x points per $1 on Hilton stays, plus 6x points per $1 at U.S. restaurants, supermarkets, and gas stations. You’ll also receive Hilton Gold elite status and 10 annual Priority Pass visits.

Chase Sapphire Preferred Card

If you prefer a card that earns flexible rewards that can be used for both flights and hotel stays, then consider the Chase Sapphire Preferred card. The Chase Sapphire Preferred card earns 2x Ultimate Reward points per $1 spent on dining and travel, 5x points per $1 on Lyft rides, and flexible redemption options (including transfer partners).

Hot Tip: We’ve also compared the best credit cards for World of Hyatt loyalists so you can determine which option works best for your needs. 


For rates and fees of the Hilton Honors American Express Surpass® Card, click here.


Frequently asked questions

Who issues the Hyatt Credit Card?

The card is issued by Chase Bank.

What is the Hyatt Credit Card login?

Sign on to the card here at Chase’s site. If you want to manage your World of Hyatt points, you need to log into the Hyatt portal.

When do Hyatt Credit Card points expire?

Points do not expire. However, if you don’t have any activity on your World of Hyatt account after 24 months, the account will be closed and your points will be forfeited.

Is there a foreign transaction fee?

No, the card does not have a foreign transaction fee.

What credit score is needed for the Hyatt Credit Card?

There is no set credit score that will guarantee your approval to the Hyatt Credit Card, but as long as you have a credit score above 700, along with a few years of credit history, and you’re under the Chase 5/24 rule, then you should feel good about your approval odds.

How does the free night certificate work on the Hyatt Credit Card?

Each year on your cardmember anniversary (when you pay the annual fee) you’ll receive a free night certificate that can be used at any Hyatt hotel that falls within Category 1 to Category 4.

This is definitely a valuable perk of the card, as a free night each year at a Category 4 hotel (or lower) is usually much higher than the $95 annual fee your pay to have the card.

Does the Hyatt Credit Card have an annual fee?

Yes, the Hyatt Credit Card charges a $95 annual fee.

Is the Hyatt Credit Card worth it?

If you visit Hyatt hotels a few times a year, want World of Hyatt elite status, and can make good use of the annual free night certificate, then yes the Hyatt Credit Card is definitely worth holding.

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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