Is the World of Hyatt Credit Card Really Worth It? [2020]

World of Hyatt Credit Card

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Lots of miles and points enthusiasts like to stick to cards that earn transferable points. While those are fantastic, and should probably make up most of what’s in your wallet, it’s sometimes good to layer some more specific cards into the mix.

The World of Hyatt Credit Card is one you might want to consider if you stay at hotels often. Hyatt offers some of the best redemption values among hotel brands, so you know the points you earn with this card will be valuable.

The Hyatt credit card offers nice benefits and a very reasonable annual fee, but whether or not the card is worth it is a personal decision. Here are the card’s benefits weighed against the annual fee so you can easily see if this is a card that should be in your wallet.

Key Benefits of the Hyatt Credit Card

World of Hyatt Credit Card - Earn 25,000 Bonus Points after $3,000 in purchases within 3 months of account opening. Plus, earn an additional 25,000 Bonus Points after $6,000 total in purchases within 6 months of account opening.

We like how you also get one free night at any Category 1–4 Hyatt hotel (or resort) every year after your cardmember anniversary. See how to best use your free night for maximum value!

World of Hyatt Points

One of the best features of the Hyatt credit card is that it lets you earn valuable World of Hyatt points with every purchase, and of course there’s a generous sign up bonus too.

  • Earn 4 points per $1 spent at Hyatt properties worldwide
  • Earn 2 points per $1 spent at restaurants
  • Earn 2 points per $1 spent on airline tickets purchased directly from the airline
  • Earn 2 points per $1 spent on local transit and commuting
  • Earn 2 points per $1 spent on fitness clubs and gym memberships
  • Earn 1 point per $1 spent on all other purchases

You can use your World of Hyatt points to stay at hotels all over the world. Hyatt offers some of the best redemption values you can find on hotels starting at just 5,000 points per night for a Category 1 hotel.

If luxury is more your style, you’ll have plenty of opportunities to use your points for amazing stays at some of Hyatt’s luxury brands including Grand Hyatt, Park Hyatt, Andaz, and even Miraval Resorts!

Grand Hyatt Kauai
Use the points you earn on your Hyatt Credit Card to stay at luxurious properties like the Grand Hyatt Kauai. Image Credit: Katie Seemann/Zen Life and Travel

Hot Tip: If you need a few more points for a hotel redemption, don’t forget you can transfer Chase Ultimate Rewards points to Hyatt at a 1:1 ratio. 

A Free Night Each Year

As a World of Hyatt cardholder, you’ll receive a certificate for a free night in any Hyatt Category 1-4 hotel each year after your cardmember anniversary! This has a value of up to 15,000 Hyatt points, valued right around 1.6 cents each, making this yearly bonus worth about $240.

There are some fantastic hotels that are in Hyatt Categories 1-4. Here are just a few of the options you have to use your free night certificate:

  • Andaz Savannah
  • Gild Hall, A Thompson Hotel, New York City
  • Hyatt Centric Santa Barbara
  • Hyatt Centric Victoria Harbour Hong Kong
  • Hyatt Regency Dusseldorf
  • Hyatt Regency Paris Etoile
  • MGM Grand Las Vegas
  • New York-New York Hotel and Casino Las Vegas
  • Thompson Chicago

Earn an Additional Free Night

One of the great things about the Hyatt card is that you can earn an additional free night in a Category 1-4 Hyatt hotel or resort each year.

You’ll earn 1 additional free night in a Category 1-4 if you spend $15,000 during your cardmember anniversary year. That works out to spending $1,250 per month.

If you could spend $1,250 per month on your Hyatt credit card, here’s what you would have after 1 year:

  • 1 free night at a Category 1-4 hotel
  • 1 additional free night at a Category 1-4 hotel (from your credit card spending)
  • 15,000 Hyatt points (at least) which could get you 3 nights at a Category 1 hotel or 1 night at a Category 4 hotel

That means you would have 3 free nights in a Category 4 hotel or 5 free nights in a Category 1 hotel each year you spend $1,250 per month on your Hyatt credit card! That’s a great deal for a card with such a reasonable annual fee.

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

Automatic World of Hyatt Elite Status

Another great benefit that comes with the Hyatt credit card is automatic World of Hyatt Discoverist status.

Discoverist status is a low-level elite status with Hyatt that gets you:

  • 2 p.m. late checkout if available
  • 10% bonus points on qualifying nights
  • Complimentary premium internet
  • Free bottle of water daily

Plus, you’ll get 5 qualifying night credits towards the next status level each year and 2 additional night credits each time you spend $5,000 on your Hyatt credit card. This will allow you to spend your way to Globalist status with very few, or zero, Hyatt stays!

Premium Travel Benefits

Baggage Delay Insurance

With the Hyatt card, you’ll be covered for essential purchases like toiletries and clothing when your bags are delayed 6 or more hours (coverage is up to $100 a day for 5 days).

Lost Luggage Reimbursement

It’s an awful feeling to learn an airline has lost or damaged your luggage, but if you have the Hyatt credit card, you and your immediate family members’ checked or carry-on bags are covered up to $3,000 per passenger.

Trip Cancellation/Trip Interruption Insurance

If your trip is canceled or interrupted due to covered circumstances including sickness or severe weather, you’re covered for up to $5,000 per trip for your pre-paid and non-refundable travel expenses (including passenger fares, tours, and hotels).

Lady with carry-on luggage
The Hyatt Credit Card comes with some nice travel protections including lost and delayed baggage insurance. Image Credit: Shutterstock

Shopping Benefits

Chase Purchase Protection

If you make a purchase and your item is lost or damaged within 120 days, you’re covered for up to $500 per claim and $50,000 per account.

Who Should Get the Hyatt Credit Card?

You should seriously consider applying for the Hyatt credit card if you:

  • Stay at Hyatt hotels often
  • Want elite status with Hyatt
  • Can stay at a Hyatt Category 1-4 hotel at least 1 night per year

The Hyatt credit card might NOT be for you if you:

  • Don’t stay at Hyatt hotels
  • Prefer to stay in Airbnbs or rental properties on vacation

Final Thoughts

If you’re a Hyatt loyalist, this card should probably be in your wallet. Even if you can stay in a Category 1-4 hotel once a year, that can make up for this card’s annual fee. Plus, as long as you’re a cardholder, you’ll enjoy Hyatt Discoverist status.

Frequently asked questions

Is there a Hyatt business card?

No, there is not a Hyatt business credit card. If you are looking for a business card specifically, check out this post: the best small business credit cards.

Can I get this card if I still have the old Hyatt credit card?

No, the Hyatt Credit Card is not available to anyone who currently has any Hyatt credit card or previous cardholders of any Hyatt credit card who received a new cardmember bonus within the last 24 months.

Katie Seemann

About Katie Seemann

Katie is an Ohio native who caught the travel bug after spending a semester in college in Nottingham, England. In addition to exploring England, she visited Ireland, Scotland and the Netherlands during that time and loved every minute of it (everything except the hostel in Scotland – that’s an experience she doesn’t intend on repeating!) In 2015, Katie discovered the world of points and miles, and since then she’s earned countless points and has an embarrassingly large number of credit cards in her wallet (which she needs a spreadsheet to keep track of!)

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