World of Hyatt Credit Card Review

The World of Hyatt Credit Card is a hotel rewards credit card issued by Chase Bank. It offers cardholders free nights at Hyatt and other qualifying hotels, as well as the option to convert points to miles. This card is the second round of Hyatt credit cards, but the previous card is no longer open to new customers. Founded in 1957, Hyatt has grown into a hospitality company that runs 19 brands with over 850 properties around the world. However, this is far fewer than some other large hotel brands.
The APR on the World of Hyatt Credit Card is decent, and its rewards perks are impressive, but you’d have to be interested in staying in a Hyatt hotel to get the most out of this card.

The Essentials of the World of Hyatt Credit Card

  • APR: 17.49% – 24.49% variable
  • Annual Fee: $95
  • Primary Feature: 1 free night every year at any Category 1-4 Hyatt hotel or resort
  • Introductory Bonus Offer: Earn 25,000 bonus points when you spend $3,000 in the first 3 months and another 25,000 bonus points when you spend $6,000 in the first 6 months

What’s Interesting about the World of Hyatt Credit Card

You can earn points on this card in a variety of ways. The card rewards 4 bonus points per every $1 spent on Hyatt hotel and resort purchases.

Additionally, you’ll get 2 bonus points per $1 spent at restaurants, on airline tickets bought directly from the airline, commuting costs and gym memberships. For all other purchases, you earn 1 bonus point per $1 spent. Points don’t expire while your account is in good standing.

Use your points toward free nights or upgrades in Hyatt and partner hotels and resorts, hotel dining or spas, or plane tickets on a United airline after converting your points to miles. A free night in a hotel costs 5,000 points.

Furthermore, each year, you automatically earn 1 free night at a Category 1 through 4 Hyatt hotel or resort. You can score a second free night each year by spending $15,000 on your card. Additionally, cardholders automatically earn the elite status of Discoverist in the World of Hyatt member rankings. This status gives you things like complimentary Wi-Fi and late check-out when available. Also, you receive 5 World of Hyatt Tier-Qualifying Night credits each year that help you build up to the higher-tier Explorist status.
There are also no foreign transaction fees when using the card abroad, which helps save you money.

Things to Consider

Although the perks of the card are fantastic, keep a few things in mind before signing up for the card. If you aren’t a fan of Hyatt, it’s not the card for you since most of the rewards are for Hyatt products. Additionally, if you don’t want to be limited to Hyatt-only destinations, you might look into a more flexible travel rewards card.

Also, the reward system is a bit confusing. You must open a World of Hyatt account to access your points, and it can be challenging to understand how the point system works. Furthermore, the card comes with an annual fee, but many other rewards cards do as well.

How to Get the Most from this Card

To get the most of this card, you would first need to be a fan of Hyatt. Most of your rewards will go toward nights at a Hyatt hotel, so that’s number one. Second, you would need to spend $6,000 in the first 6 months to receive the 50,000 starting bonus points.

Lastly, you could earn another free night if you spend $15,000 per year on your card, so it would best be suited to individuals who want to use their credit card for all or most of their purchases. You also should be relatively flexible about where you travel, since you can only use the points at qualifying hotels.

Other Card Options that Might Interest You

Maybe you don’t love Hyatt hotels, or perhaps you’d like to shop around to see what other options exist. We have two alternative options for you, one from Hilton and one from Marriott. The Marriott Bonvoy Boundless™ Credit Card has a similar APR of 17.49% to 24.49% variable and also a $95 annual fee. With this card, you also get a free night every year.

Best of all, Marriott has over 7,600 properties around the world — almost 9 times as many hotel locations as Hyatt operates. Because of this, the Marriott card could be a more convenient travel companion than a card with Hyatt.

The ;Hilton Honors American Express Surpass® Card also has a $95 annual fee and an APR of 17.24% to 26.24% variable. Hilton runs significantly more locations than Hyatt as well — more than 5,700 in total. You can also earn 125,000 bonus points when you spend $2,000 in the first 3 months, and it doesn’t have a foreign-transaction fee. However, an American Express card is more difficult to use abroad.

The Final Word

Who could do well with a World of Hyatt Credit Card? “The card is designed to provide leisure and business travelers greater earning potential, more free nights, the ability to elevate status faster,” writes Amy Weinberg, senior vice president, of World of Hyatt. “Plus it rewards everyday spending, all of which is born out of Hyatt’s purpose to care for you so you can be your best.” In other words, if you’re looking to rack up free nights at Hyatt locations through your typical spending, this credit card could be a good fit.

Who might want to skip this card? Anyone who doesn’t prefer Hyatt hotels might not be happy with this card. Also, people who prefer not to be limited in terms of the locations they can visit to use their rewards should avoid signing up for this card since Hyatt is less ubiquitous than many other big hotel chains.

Tiffany Verbeck

Personal Finance Contributor

Tiffany Verbeck is a personal finance expert. She uses her storytelling skills gained from a master’s degree in writing to run a freelancing business focused on helping people make and manage their money.