Rewards Plan
Sign up Bonus
Our Rating
0% Intro
Annual Fee
APR
- Cash Back Rewards
- No Annual Fee
- Limited Cardholder Perks
- Interest Charges Inevitable
Rewards Plan
Sign up Bonus
Our Rating
PROS
- Sign Up Bonus
- Free Nights
CONS
- Annual Fee
- Complicated Rewards Categories
APR
21.49%–28.49% variable
Annual Fee
$95
0% Intro
N/A
Credit Requirements
Good - Excellent
The World of Hyatt Credit Card is praised for its solid redemption options and premium benefits, making it a favorite loyalty program. Despite not having the same level of benefits as more high-end hotel cards, its perks easily justify the reasonable $95 annual fee. A recommended credit score above 670 is advised for applicants.
Cardholders earn 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases..
New applicants are eligible for a sign up bonus of 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay 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.. Redeeming points for award nights at Hyatt properties offers the best value. The cardholder also has options like Points + Cash awards, upgrading paid stays, and transferring points to airline partners.
The annual fee is justified through benefits like an annual free-night certificate for Category 1-4 Hyatt properties and automatic Discoverist status, providing perks like late checkout and room preferences. The card's travel protections, including baggage delay insurance, lost luggage reimbursement, and trip interruption/cancellation insurance, add value beyond the annual fee.
What are the benefits of Discoverist status?
Discoverist status includes perks like late checkout, preferred rooms, and a 10% points bonus on eligible purchases.
Is there a limit on elite status nights earned through spending?
Cardholders earn two nights of elite status credit for every $5,000 spent, with no specified limit.
How can I redeem Hyatt points?
Hyatt points can be redeemed for award nights, Points + Cash awards, room upgrades, and transferred to airline partners.
Are there restrictions on earning bonus points?
You won't earn bonus points if you've received a sign-up bonus on a Hyatt card within the past 24 months, and the card is subject to the 5/24 rule.
Can I earn additional free nights with the card?
Yes, you can earn a second free night after spending $15,000 in a calendar yea
What travel protections does the card offer?
Chase issues the card, providing travel protections like baggage delay insurance, lost luggage reimbursement, and trip interruption/cancellation insurance.
Pros & Cons
Let’s take a closer look at the pros and cons of the World of Hyatt Credit Card:
Pros | Cons |
|---|---|
One Free Night Every Year | Better For Off Season |
No Foreign Transaction Fees | Limited Bonus Categories |
Travel Protections | Limited Redemption Partners |
Redemption Options | Lower Airline Transfer Ratio |
Discoverist Elite Status |
- One Free Night Every Year
Along with all the other hotel perks, you get one free night in a hotel every year that you own the card. You can use this night on its own or you can combine it with other hotel stays to get an extended vacation.
You can also use the free night at a fancy hotel that you normally might be able to afford.
- No Foreign Transaction Fees
The card does not charge foreign transaction fees, making it a suitable choice for international travelers.
- Travel Protections
Issued by Chase, the card provides valuable travel protections including baggage delay insurance, lost luggage reimbursement, and trip interruption/cancellation insurance.
- Redemption Options
Points can be redeemed for award nights, Points + Cash awards, and room upgrades, providing flexibility for different travel preferences.
- Discoverist Elite Status
Automatic Discoverist status is granted, offering benefits like late checkout, preferred rooms, and a 10% points bonus on eligible purchases.
- High Point Value
World Of Hyatt points are among the highest value compared to other hotel brands with about 2.1 per point. For example, Hilton honors points worth around 0.6 cent and Marriot Bonvoy points worth 0.8 cent per point on average.
- Better For Off Season
World Of Hyatt also follow the peak award pricing system, so some nights will be much more expensive than others.
If you are traveling during the holidays or another popular vacation time of the year, you might not find good deals. Even though you have the rewards card, you might be paying the same prices as everyone else.
- Limited Bonus Categories
While the card offers high points for Hyatt stays, other general travel purchases may earn more rewards with alternative cards like Chase Sapphire Preferred.
- Limited Redemption Partners
While Hyatt has a strong network, the card's points are primarily optimized for hotel redemptions, offering fewer options compared to more versatile rewards programs.
- Lower Airline Transfer Ratio
While points can be transferred to airline partners, the transfer ratio is much less favorable compared to some other rewards programs.
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Point Rewards Analysis: What's The Annual Value?
| |
|---|---|
Spend Per Category | World of Hyatt Card |
$10,000 – U.S Supermarkets | 10,000 points |
$4,000 – Restaurants
| 8,000 points |
$4,000 – Airline | 8,000 points |
$5,000 – Hotels | 20,000 points |
$4,000 – Gas | 4,000 points |
Total Points | 50,000 points |
Redemption Value (Estimated) | 1 point = ~2.1 |
Estimated Annual Value | $1,050 |
How To Apply For World of Hyatt Card?
- You can start your application for this card at the World Hyatt, but you'll be redirected to Chase website. Make sure you gather all your identification documents including a passport or government ID. You also need to make you know your social security number as the application will ask for it.
- The first part of the application will ask for all your personal information including your full name, date of birth, address, and telephone number.
It will also be for your email to verify your ID. Make sure the information you are entering matches the information on the ID you plan to use.
- Next, enter your social security number. The application will use this to verify your ID and to check your credit score. They might also use it to check your income or your employment information that you will enter in the next step.
- Make sure the income information is correct as you will need to verify it with employment documents.
Redemption Options
The World of Hyatt Credit Card offers various redemption options for accumulated points:
Award Nights: The most popular and often most valuable redemption option is booking award nights at Hyatt properties. Redemption rates vary based on the hotel's category and the time of booking.
Points + Cash Awards: This option allows cardholders to use a combination of points and cash to book hotel stays. It provides flexibility for those who want to preserve their points while still enjoying a discounted rate.
Room Upgrades: Points can be used to upgrade standard paid stays to higher room categories, providing a more luxurious experience without redeeming points for an entire free night.
Transfer to Airline Partners: While less favorable, points can be transferred to several airline partners for those who prefer using points for flights.
Experiences: Hyatt allows members to redeem points for various experiences, such as dining, spa treatments, FIND Experiences, and even Lindblad Expeditions.
Points Pooling: Members can combine points with another World of Hyatt member, facilitating flexibility for group travel or sharing points with friends or family.
How to Maximize World Of Hyatt Credit Card?
- Welcome bonus – This allows you to get 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay 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.. This allows you to get bonus points and be able to start booking hotel stays faster.
- Leverage Perks – If you get a late check-out or a free night, make sure you stay in the hotel and take advantage of the extras you get.
- Make up for the annual fee – Most credit cards have an annual credit card fee. If you are using all the perks and rewards though, you can easily make back the annual fee. The best way to do this is to use all the free nights that are offered to you.
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What Customers Think?
Satisfied borrowers report that the World of Hyatt card almost always gives them late checkouts and free room upgrades. This is a great way to extend your vacation. Some users also say they are able to get free spa services for themselves and a guest. Users also love that resort fees are waived and that it’s pretty easy to get into the higher elite status levels.
Negative reviews say that the annual fee is too high and can be hard to earn back if you have a year of not traveling often. Hyatt hotels are also not found worldwide, so you might always be able to stay in a Hyatt hotel when you travel.
In Which Cases it’s Better to Skip?
It’s better to skip the World of Hyatt card if you don’t travel often or if you don’t stay in Hyatt hotels. If you have certain destinations you like to travel to each year, make sure you are checking them to see if they have Hyatt hotels.
If they don’t, the card might not be worth it. It’s also better to skip if you would rather have a card that doesn’t tie you down to one hotel chain.
How It Compared To Other Hotel Cards?
When compared to other hotel cards in the same level, such as the Marriott Bonvoy Boundless Credit Card and the Hilton Honors American Express Surpass® Card, several distinguishing features become evident.
The Marriott Bonvoy Boundless Card stands out with benefits such as Marriott Bonvoy Silver Elite Status automatically each account anniversary year and an annual free night certificate, but its redemption is limited to properties with a redemption level of up to 35,000 points. Also, the Marriott Boundless offers a broader range of properties within the Marriott portfolio, providing diverse options for travelers.
The Hilton Honors Surpass Card distinguishes itself with a $200 Hilton Credit, providing up to $50 in statement credits per quarter for direct purchases with Hilton properties annually. While its annual fee is higher ($150), cardholders enjoy Hilton Honors Gold Status, offering benefits like a 5th night free on longer stays and an 80% Bonus on all Base Points.
Compare The Alternatives
There are more travel cards worth mentioning that provide a good alternative to the World of Hyatt card:
|
|
| |
|---|---|---|---|
Bank of America® Travel Rewards credit card | Capital One Venture Rewards Credit Card | Chase Sapphire Preferred® Card | |
Annual Fee | $0 | $95 | $95
|
Rewards |
1.5X
1.5 points for every $1 you spend on all purchases everywhere, every time and no expiration on points
|
2X – 5X
2X miles per dollar on every purchase, plus 5X miles on hotels and rental cars booked through Capital One Travel
|
2X – 5X
5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
|
Welcome bonus |
25,000 points
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening – which can be redeemed for a $250 statement credit toward travel purchases
|
75,000 miles
|
60,000 points
60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
|
Foreign Transaction Fee | $0 | $0 | $0
|
Purchase APR | 18.24% – 28.24% Variable APR will apply. | 19.99% – 29.99% (Variable)
| 21.24%–28.24% variable APR
|
FAQ
There is no points reward limit on either card, but there is an introductory offer with either card that requires you meet a spending limit to get bonus points.
No, the World of Hyatt card does not offer a car rental insurance.
World of Hyatt is partnered with 25 airlines including Delta SkyMiles, American Airlines AAdvantage, and British Airways Executive Club. Generally, the transfer rate is a 5:2 ratio. This means that 5,000 points is worth 2,000 of the airline miles, but this can vary depending on the airline miles program
Typically, Chase does not have pre approval for its cards including the World of Hyatt card. This means that when you complete the online application form, it will trigger a hard credit search.
No, the World of Hyatt card doesn't offer flight cancellation/interruption or delay insurance.
If you don’t typically care what hotel you stay in when you are on vacation, you’ll find this card a bit restrictive. In this scenario, you would be better off with a miles or other type of rewards card that allows you to redeem your rewards for flights, hotel stays and other travel perks.
The World of Hyatt card has a initial credit limit is around $5,000, as long as you credit score is excellent.
If you are brand loyal to a particular hotel chain, getting a rewards card dedicated to this hotel chain is a good idea. You can not only earn free stays, but you can also enjoy other perks. So, if you love Hyatt, it could be a good option for you.
Compare World of Hyatt Card
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Amex Hilton Honors vs World of Hyatt: Which Hotel Card Wins?
The World of Hyatt Card is our winner – it offers a significantly higher annual cash back for the average consumer than Marriott Boundless.
World of Hyatt Card vs. Marriott Bonvoy Boundless: Side By Side Comparison
The Hilton Surpass and World of Hyatt card are two of the best medium tier hotel cards with great cash back rates and extra hotel perks.
World of Hyatt Card vs. Hilton Amex Surpass: Side By Side Comparison
With this hotel rewards cards battle, the World of Hyatt Card is our winner as it offers a higher annual cash back for the average consumer
World of Hyatt Card vs IHG One Rewards Premier: Side By Side Comparison
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