Bottom Line
FUNDSamentally Rating
World of Hyatt Credit Card
ANNUAL FEE: $95
REWARDS RATES: 1x-9x points
INTRO OFFER: 60,000 points
RECOMMENDED CREDIT SCORE: 690-850
(Good – Excellent)
Pros
- New cardholder bonus offer
- Automatic free night annually
- Bonus categories
- Luxury perks
Cons
- Has annual fee
- Complicated rewards
- Limited redemptions
At a Glance
| World of Hyatt Credit Card | |
| Annual Fee | – $95 |
| Sign up bonus | – Earn up to 65,000 bonus Points. 35,000 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. |
| Ongoing rewards | – 1x-9x Points |
| Foreign transaction fee | – None |
| APR | – 21.49% – 28.49% based on your creditworthiness and other factors. These APRs will vary with the market based on the Prime Rate |
| Value of points redeemed | – Hyatt points are valued around 1.5 to 2 cents per point |
| Balance transfer fee | – Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Additional benefits | – One free night each card anniversary year at a Category 1-4 Hyatt hotel or resort. – An additional free night at a Category 1-4 Hyatt hotel or resort after spending $15,000 in an anniversary year. |
World of Hyatt Credit Card: Unlock Free Nights & Elite Perks
Introduction to the World of Hyatt Credit Card
The World of Hyatt Credit Card from Chase is the ultimate rewards card for Hyatt loyalists, offering bonus points on Hyatt stays, automatic elite status, free night certificates, and valuable travel perks. If you frequently stay at Hyatt hotels, this card can provide tremendous long-term value, with perks that easily outweigh its $95 annual fee.
Key Features at a Glance
✔ Earn up to 60,000 Bonus Points (30,000 points after spending $3,000 in the first 3 months, plus 2X points on up to $15,000 spent in the first 6 months)
✔ 4X points on Hyatt purchases
✔ 2X points on dining, transit, flights, and gym memberships
✔ 1 Free Night Award every year (valid at Hyatt Category 1-4 hotels)
✔ Automatic Discoverist Status + faster path to elite status
✔ No foreign transaction fees
✔ Valuable travel and purchase protections
In this guide, we’ll break down everything you need to know about the World of Hyatt Credit Card, including its rewards structure, benefits, fees, and how to maximize its value.
World of Hyatt Credit Card: Rewards & Earning Structure
Generous Welcome Bonus
- Earn 30,000 bonus points after spending $3,000 in the first 3 months.
- Earn an additional 30,000 points by getting 2X points on up to $15,000 in purchases within the first 6 months.
With Hyatt award nights starting at just 3,500 points, this welcome bonus could easily translate into several free hotel stays!
Ongoing Earning Rates
- 4X points at Hyatt Hotels – Earn quadruple points on stays, dining, spa services, and other Hyatt purchases.
- 2X points on dining & takeout – Perfect for food lovers who eat out frequently.
- 2X points on airline tickets purchased directly from airlines – Great for travelers who book flights regularly.
- 2X points on local transit & commuting – Earn on taxis, rideshares, buses, and subways.
- 2X points on gym & fitness memberships – A unique bonus category for those who prioritize health.
- 1X point on all other purchases.
Since Hyatt points are highly valuable (worth ~1.7 cents per point), these earnings can translate into significant travel rewards.
Exclusive Benefits of the World of Hyatt Credit Card
1. Annual Free Night Certificate (Category 1-4 Hotels)
- Every cardmember anniversary, receive one free night at a Category 1-4 Hyatt property.
- Can be redeemed at over 200 Hyatt hotels worldwide.
- Earn a second free night after spending $15,000 per year on the card.
This perk alone can easily offset the $95 annual fee if used strategically at a high-value Hyatt property.
2. Automatic Hyatt Discoverist Status
- Enjoy elite perks like late checkout, preferred room upgrades, and 10% bonus points on Hyatt stays.
- Earn elite night credits faster – every $5,000 spent on the card earns 2 additional elite night credits.
- Makes it easier to achieve Hyatt Explorist and Globalist status.
3. No Foreign Transaction Fees
- Use the card internationally without worrying about extra charges.
- Ideal for travelers staying at Hyatt properties abroad.
4. Travel & Purchase Protections
- Trip Delay Reimbursement – Get up to $500 per ticket for delays over 12 hours.
- Lost Luggage Reimbursement – Up to $3,000 per passenger.
- Purchase Protection – Covers new purchases against damage or theft (up to $500 per claim).
- Extended Warranty Protection – Extends manufacturer warranties by one additional year.
5. Faster Path to Elite Status
- Get 5 automatic elite night credits every year.
- Earn 2 extra elite nights for every $5,000 spent.
- Makes reaching Hyatt Explorist or Globalist status easier for frequent travelers.
How to Maximize the World of Hyatt Credit Card
1. Use the Card for All Hyatt Stays
- Earn 4X points on Hyatt hotels, dining, spa services, and on-property purchases.
- Redeem points for free nights, room upgrades, and Hyatt experiences.
2. Take Full Advantage of Free Night Certificates
- Redeem at high-value Category 4 properties for maximum savings.
- Use in popular destinations like Hawaii, New York, and California.
3. Spend $15,000 Annually to Earn an Extra Free Night
- That’s only $1,250 per month – easily achievable if you put everyday expenses on the card.
4. Reach Hyatt Elite Status Faster
- Spend $5,000 to earn 2 additional elite night credits.
- Helps unlock better room upgrades, club access, and waived resort fees.
5. Use It for Dining, Flights, and Transit
- Earn 2X points on restaurants, airline tickets, Uber, Lyft, and subway rides.
- Great for frequent travelers and commuters.
World of Hyatt Credit Card vs. Other Hotel Cards
| Feature | World of Hyatt Credit Card | Marriott Bonvoy Boundless® | Hilton Honors American Express Surpass® |
|---|---|---|---|
| Annual Fee | $95 | $95 | $150 |
| Welcome Bonus | Up to 60,000 points | 3 Free Nights (Up to 150K pts) | 170,000 points |
| Best Earning Rate | 4X on Hyatt stays | 6X on Marriott stays | 12X on Hilton stays |
| Free Night Award | 1 free night (Category 1-4) | 1 free night (35K points) | None |
| Elite Status | Discoverist | Silver Elite | Gold Elite |
| Foreign Transaction Fees | No | No | No |
| Best For | Hyatt loyalists | Marriott fans | Hilton travelers |
Verdict: The World of Hyatt Credit Card offers the highest value per point (1.7 cents per point), making it one of the most rewarding hotel credit cards.
Who Should Get the World of Hyatt Credit Card?
✔ Frequent Hyatt guests who want free nights & elite status
✔ Travelers looking for a high-value hotel rewards program
✔ Anyone who can maximize the annual free night award
✔ Hyatt fans who want a fast track to Explorist or Globalist status
Bottom Line: Is the World of Hyatt Credit Card Worth It?
The World of Hyatt Credit Card is one of the best hotel credit cards available, offering huge rewards on Hyatt stays, automatic elite status, and annual free nights.
For Hyatt loyalists, this card is a no-brainer, as the free night alone offsets the annual fee. Plus, the fast-track to elite status, high-value Hyatt points, and solid travel protections make it an excellent long-term addition to any traveler’s wallet.
However, if you rarely stay at Hyatt hotels, a general travel rewards card like the Chase Sapphire Preferred® may be a better fit.
