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, and you can recoup that cost with just a single stay at a Hyatt hotel each year.

World of Hyatt Credit Card

Overall Rating
3.4
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 (%) 15.99% - 22.99% 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
2.5
for Fees
4.2
for Rewards
1.5
for Credit
1.5
Current Offer

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.

Who Is This Credit Card Best For?

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

Pros
  • Generous new-cardholder bonus

  • Many ways to earn points

  • Free annual hotel stay

  • Automatic Discoverist elite status

Cons
  • Annual fee

  • Confusing rewards program

Pros Explained

  • Generous new cardholder bonus: This card has the most valuable points of any hotel credit card we’ve evaluated, making the large, two-part sign-up bonus competitive and easy to earn.
  • Many ways to earn points: Like many hotel cards, on an ongoing basis, you’ll earn the most bonus points for Hyatt purchases. However, unlike 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. You’ll get a second one if you spend at least $15,000 on your card during the year. 
  • Automatic Discoverist elite status: Discoverist perks include premium 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 through this program: bonus points and base points. Deciphering the difference between the two can be a little difficult at first.

World of Hyatt Credit Card Bonus for New Cardholders

The World of Hyatt Credit Card comes with a two-tiered welcome offer. On the first level, if you spend at least $3,000 within the first three months of opening the card, you’ll earn 30,000 Bonus Points worth $564 toward free hotel stays, based on our valuations. Plus, you can earn 30,000 more points by earning 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point up to $15,000 in the first six months of account opening.

Earning Points and 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 with this card: Base Points, which count towards earning a higher elite status within the World of Hyatt loyalty program, and Bonus Points, which are earned just by using this card. Both types of points can be redeemed for award stays.

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
  • Airline tickets you buy directly from the airline
  • Local transportation, such as bus tickets, taxis, Lyft, or Uber

Every $1 you spend on purchases outside of these categories will earn 2 Bonus Points up to $15,000 spent in the first six months of account opening. 1 Bonus Point per $1 spent afterward.

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 1.88 cents each, on average, when redeemed for stays at Hyatt properties.

You can also book stays at Miraval, MGM Resorts Destinations, and Small Luxury Hotels of the World. Each 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.

In 2021, Hyatt plans to introduce peak and off-peak point redemption programs. This allows you to stretch your reward points even further by taking advantage of less popular travel times.

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.

To see how the World of Hyatt Credit Card’s points stack up, check out our in-depth analysis of what credit card points are worth.

How to Get the Most out of This Card

Spend $3,000 within the first six months after opening this card to earn the 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:

  • Insurance coverage for trip cancellation, interruption, or delay: 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 members could be reimbursed for up to $5,000 and up to $500 if your trip is delayed.
  • Insurance coverage for lost or delayed luggage: You’ll get up to $3,000 if you or your family member’s luggage is lost or damaged while on a trip you paid for with your card. You’ll also be reimbursed for incidentals for 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 you paid for with your World of Hyatt card, this insurance policy will reimburse you or your beneficiaries for up to $500,000.

World of Hyatt Credit Card’s Other Feature

  • Auto rental collision damage waiver
  • Insurance for stolen or damaged goods
  • Extended warranty protection

Customer Experience

Chase is ranked about in the middle, in terms of customer satisfaction, according to a 2020 J.D Power study. It ranked fourth out of 11 card-issuing banks surveyed and scored 809 points out of 1,000 possible. The industry average was 810.

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
3.4
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 (%) 15.99% - 22.99% 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.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. J.D. Power. “2020 U.S. Credit Card Satisfaction Study.” Accessed March 27, 2021.