Credit Cards » Credit Card Reviews » The World of Hyatt Credit Card Review: Should You Consider It?
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The World of Hyatt Credit Card Review: Should You Consider It?

The World of Hyatt Credit Card provides free nights in select hotels, club and lounge access, and upgraded rooms. Does it worth it?
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Baruch Mann (Silvermann)
Baruch Mann (Silvermann)

Writer, Contributor

Experience

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
Interest Rates Last Update: April 15, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

We earn a commission from our partner links on this page. It doesn't affect the integrity of our unbiased, independent editorial staff. Transparency is a core value for us, read our advertiser disclosure and how we make money.

World of Hyatt Credit Card

World of Hyatt

Rewards Plan

1X – 4X 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.

Sign up Bonus

Up to 60,000 Bonus Points 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.

Our Rating

4.3
4.3/5

0% Intro

N/A

Annual Fee

$95

APR

21.49%–28.49% variable
World of Hyatt Credit Card

World of Hyatt

Rewards Plan

1X – 4X 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.

Sign up Bonus

Up to 60,000 Bonus Points 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.

Our Rating

4.3
4.3/5

PROS

CONS

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

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.

The card does not charge foreign transaction fees, making it a suitable choice for international travelers.

Issued by Chase, the card provides valuable travel protections including baggage delay insurance, lost luggage reimbursement, and trip interruption/cancellation insurance.

Points can be redeemed for award nights, Points + Cash awards, and room upgrades, providing flexibility for different travel preferences.

Automatic Discoverist status is granted, offering benefits like late checkout, preferred rooms, and a 10% points bonus on eligible purchases.

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.

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.

While the card offers high points for Hyatt stays, other general travel purchases may earn more rewards with alternative cards like Chase Sapphire Preferred.

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.

While points can be transferred to airline partners, the transfer ratio is much less favorable compared to some other rewards programs.

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Point Rewards Analysis: What's The Annual Value?

While the exact calculation depends on your personal spending habit, we've analyzed the expected  World of Hyatt annual rewards value based on pre-determined spending in different categories:

World of Hyatt

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. 

world of hyatt application process 1

  • 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.

world of hyatt application process 2

  • 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.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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

capital-one-venture

chase_sapphire_preffered

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

If you're looking for an hotel card, a good one can provide exclusive benefits. Which card offers more perks and what are the differences?

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

Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
50,000 miles 50,000 bonus miles after you spend $3,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
Up to 3x miles 3 miles per $1 spent on United purchases immediately after earning your $125 annual United purchase credit, 2 miles on all other travel and select streaming services, 1 mile on all other purchases
Welcome Bonus:
60,000 miles 60,000 bonus miles + 500 Premier qualifying points (PQP) after you spend $4,000 on purchases in the first 3 months your account is open.
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

Review Hotel Credit Cards

Picture of Baruch Mann (Silvermann)

Baruch Mann (Silvermann)

Baruch Silvermann is a financial expert, experienced analyst, and founder of The Smart Investor.  Silvermann has contributed to Yahoo Finance and cited as an authoritative source in financial outlets like Forbes, Business Insider, CNBC Select, CNET, Bankrate, Fox Business, The Street, and more.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
80,000 points 80,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.