World of Hyatt Credit Card Review

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The World of Hyatt Credit Card from Chase packs a lot of punch for a hotel rewards card, offering free hotel stays, automatic elite status, and abundant perks. The annual fee is reasonable for a card like this, and even better, you can recoup that cost with just a single stay at a Hyatt hotel each year.

World of Hyatt Credit Card

overall rating
4.3
World of Hyatt Credit Card
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.74% - 24.74% variable
Annual Fee $95
Rewards Earning Rate Earn 4X points for Hyatt stays, 2x for eligible transit, restaurants, gym memberships, and airfare purchased directly from the airline. 1x on other purchases.
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
1.9
for Fees
3.0
for Rewards
4.6
for Credit
4.0

Earn 25,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening. Plus, earn an additional 25,000 Bonus Points after you spend $6,000 total on purchases within the first 6 months of account opening.

Top Rated For

  • Best Hotel Credit Cards

Who is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
    Diligently searches for the best products and delights in a good bargain
    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things
    Adventure Seeker
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty
    Brand Loyalist

This card is a great choice for people who stay at Hyatt hotels while on vacation or for business. You don’t even need to be a frequent traveler—if you stay in a Hyatt hotel as little as once per year, this card can pay for itself. The fact that you’ll earn extra points on local transportation, restaurants, and fitness facilities is icing on the cake.

Pros

  • Generous sign-up bonus

  • Many ways to earn points

  • Free annual hotel stay

  • Automatic Discoverist elite status

Cons

  • Annual fee

  • Confusing rewards program

Pros Explained

  • Generous sign-up bonus: This card has the most valuable points of any hotel credit card we’ve evaluated, which makes the large, two-part sign-up bonus competitive and easy to earn (more on this below).
  • Many ways to earn points: Like many hotel cards, on an ongoing basis, you’ll earn the most bonus points for Hyatt purchases. But unlike with competing cards, you also earn bonus points for spending on fitness clubs, restaurants, and local transportation. 
  • Free annual hotel stay: Each year on your cardholder anniversary you’ll get a certificate for one free night at a category 1-4 hotel. You’ll get a second one if you spend at least $15,000 on your card each year. 
  • Automatic Discoverist elite status: Perks of this membership status level include preferred rooms, free in-room internet access, and late checkout. Plus, you’ll get five qualifying night credits per year to get you to the next status level, and you’ll earn an additional two qualifying night credits for every $5,000 you spend on your card with no limits. 

Cons Explained

  • Annual fee: This card does have a $95 annual fee, and it isn’t waived during the first year.
  • Confusing rewards program: You earn two types of reward points by using this card: bonus points and base points. Deciphering the difference between the two can be a little difficult at first (more on this below).

World of Hyatt Credit Card Sign-Up Bonus

The World of Hyatt Credit Card comes with a unique two-tiered sign-up bonus. On the first level, if you spend at least $3,000 within the first three months of opening the card, you’ll earn 25,000 Bonus Points. Then, if you spend at $3,000 more—for a total of $6,000—within the first six months, you’ll earn an additional 25,000 Bonus Points. The full sign-up bonus is worth $750 towards free hotel stays, based on our valuations.

Earning Points & Rewards

Any points you earn from spending with this card are transferred to the World of Hyatt program, which is the rewards program for Hyatt hotels. This program is a little confusing at first, but we’ll break it down. 

You'll earn two types of points: Base Points, which are awarded as part of the Hyatt loyalty program and count towards earning a higher elite membership status, and Bonus Points, which are awarded based on category purchases made with this card. Both types of points can be redeemed for award stays when you are a World of Hyatt credit cardholder.

When you use your card to make purchases from Hyatt properties, you’ll earn 5 Base Points and 4 Bonus Points, for a total of 9 rewards points per $1 spent. 

You can also earn 2 Bonus Points per $1 spent on the following things:

  • Fitness clubs and gym memberships
  • Restaurant purchases, including cafes 
  • Airline tickets you buy directly from the airline
  • Local transportation, such as bus tickets, taxis, and ride-share options like Uber

Every $1 you spend on purchases outside of these categories will earn 1 Bonus Point.

Redeeming Rewards

The most valuable redemption option for World of Hyatt points is free stays and upgrades at Hyatt hotels and resorts. The Balance analyzed Hyatt points and found they are worth 1.48 cents each, on average, when redeemed for stays at Hyatt properties. When redeemed at Hyatt’s most premium branded hotels, they may be worth as much as 2.48 cents each. 

You can also use points to book stays at Miraval, MGM Resorts Destinations, and Small Luxury Hotels of the World. Each hotel property falls into one of eight categories depending on how fancy it is, and the reward night reservation cost will vary by category. If you don’t have enough points to get a free night, you can combine points with cash to pay. 

Hyatt points are also good for spa services and restaurant purchases at certain Hyatt locations, and car rentals at certain Avis locations. 

Hyatt lets you transfer points to airline partners, but it will cost you 2.5 Hyatt points to get 1 mile. In other words, by transferring your points to an airline, they immediately lose 60% of their value on average.

How to Get the Most Out of This Card

Spend $6,000 within the first six months after opening this card to earn the largest possible sign-up bonus. Then, since this card offers points on such a wide variety of purchases, use it as often as you can to rack up points faster.

Don’t forget to use your free night each year, and redeem your points for premium Hyatt hotel stays when possible to get the best value. Stay within the Hyatt network to earn the most hotel points and take advantage of all the perks Hyatt gives cardholders.

Don’t use Hyatt points for airfare. We recommend pairing this hotel card with another travel card that offers a higher value for flight redemptions.

World of Hyatt Credit Card’s Excellent Perks

This card comes with several exceptional perks that might come in handy throughout your travels. Besides automatic Discoverist status and free annual hotel stays, you’ll also get:

  • Trip cancellation, interruption, and delay insurance: If a trip you paid for with your card is canceled or interrupted due to certain circumstances such as foul weather, you and your family could be reimbursed for up to $5,000 and for up to $500 if your trip is delayed.
  • Coverage for lost or delayed luggage: Get up to $3,000 if you or a family member’s luggage is lost or damaged while on a trip paid for with this card. You’ll may also be reimbursed for incidentals up to $100 per day for five days if your luggage is delayed. 
  • Travel accident insurance: If you or a family member die or become permanently disabled while on a trip, this insurance policy may reimburse you or your beneficiaries up to $500,000.

World of Hyatt Credit Card’s Other Features

  • Auto rental collision damage waiver
  • Insurance for stolen or damaged purchases
  • Extended warranties
  • Lowest advertised price match
  • Purchase return protection

Customer Experience

Chase is ranked about in the middle in terms of customer satisfaction according to a 2018 J.D Power study, coming in fourth out of 11 card-issuing banks surveyed and scoring 804 points out of 1,000 possible. Industry average was 801.

Chase gives cardholders—or anyone, for that matter—access to its Credit Journey tool. This free service provides a credit score update, limited credit monitoring, and a credit score simulator to show how your financial decisions may impact your credit score.

Security Features

Chase offers industry standard security features, such as encryption, two-factor authentication, and alerts if the company notices suspicious account activity. 

You can also lock your card from your phone to block new purchases if you’ve misplaced your card, and unlock it if you find the card.

World of Hyatt Credit Card Fees

This card comes with pretty standard fees compared to other hotel credit cards, most of which can be avoided with smart card use and on-time payments. Just note the $95 annual fee.

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CURRENT CARD
World of Hyatt Credit Card
overall rating
4.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 17.74% - 24.74% variable
Annual Fee $95
Rewards Earning Rate Earn 4X points for Hyatt stays, 2x for eligible transit, restaurants, gym memberships, and airfare purchased directly from the airline. 1x on other purchases.

Our Methodology

  • At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.