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The World of Hyatt Credit Card Review: A World of Valuable Perks to Improve Your Hyatt Experience

Review Updated
Lyle Daly
By: Lyle Daly
Lyle Daly
Lyle Daly
Writer

Lyle Daly is a personal finance writer who specializes in credit cards, travel rewards programs, and banking. He writes for The Ascent and The Motley Fool, and his work has appeared in USA Today and Yahoo! Finance. He was born in California but currently lives as a digital nomad with a home base in Colombia.

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Nathan Alderman
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Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.

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Offer status

The information related to The World of Hyatt Credit Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

For those who enjoy staying at Hyatt hotels, The World of Hyatt Credit Card provides a fast track to free nights. This credit card, offered by Chase and Hyatt, includes a sign-up bonus, high rewards rates on a variety of purchases, and a free night award. With those perks, it's no surprise that there's an annual fee. Find out if you should apply or if you're better off checking out other credit cards in our The World of Hyatt Credit Card review.

Ratings Methodology

The World of Hyatt Credit Card

The World of Hyatt Credit Card
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR Circle with letter I in it. N/A

Purchases: N/A

Balance Transfers: N/A

Regular APR

21.49% - 28.49% variable

Rewards Circle with letter I in it. Earn up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member

Up to 9 points total per $1 spent at Hyatt

Annual Fee Circle with letter I in it. N/A

$95

Welcome Offer Circle with letter I in it. Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.

5 Free Nights

  • The annual fee is well justified for even occasional Hyatt hotel customers, given the card's big welcome offer, annual free night, and points program.

    • Big travel rewards sign-up bonus
    • Bonus Hyatt rewards
    • Free night award
    • Automatic elite status
    • Consumer and travel protections
    • Annual fee
    • Fewer properties than other hotel chains
    • Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.
    • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
    • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
    • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
    • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
    • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
    • Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
    • Member FDIC
The information related to The World of Hyatt Credit Card has been collected by The Ascent and has not been reviewed or provided by the issuer.

Credit card comparison

We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash back on rotating categories 		Discover will match all the cash back you’ve earned at the end of your first year. Circle with letter I in it. N/A 1% - 5% Cashback Circle with letter I in it. Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro:

Purchases: 0%, 15 months

Balance Transfers: 0%, 15 months

Regular: 17.74% - 27.74% Variable APR

Apply Now for Discover it® Cash Back

On Discover's Secure Website.

Rates & Fees External Link Icon

Rating image, 5.00 out of 5 stars.
5.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for cash rewards on everyday spending 		$200 cash rewards Circle with letter I in it. Earn a $200 cash rewards bonus after spending $500 in purchases in the first 3 months. 2% cash rewards Circle with letter I in it. Earn unlimited 2% cash rewards on purchases.

Intro: Circle with letter I in it. 0% intro APR for 12 months from account opening on purchases and qualifying balance transfers

Purchases: 0% intro APR, 12 months from account opening

Balance Transfers: 0% intro APR, 12 months from account opening on qualifying balance transfers

Regular: 19.74%, 24.74%, or 29.74% Variable APR

Apply Now for Wells Fargo Active Cash® Card

On Wells Fargo's Secure Website.

Rates & Fees External Link Icon

Rating image, 4.00 out of 5 stars.
4.00/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
 = Best
= Excellent
= Good
= Fair
= Poor
Best for unlimited rewards on purchases 		25,000 points Circle with letter I in it. 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases 1.5 points per dollar Circle with letter I in it. Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees, and your points don't expire as long as your account remains open.

Intro: Circle with letter I in it. 0% Intro APR for 15 billing cycles for purchases. 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. After the intro APR offer ends, 18.74% - 28.74% Variable APR on purchases and balance transfers will apply. A 3% fee for 60 days from account opening, then 4% fee applies to all balance transfers.

Purchases: 0% Intro APR for 15 billing cycles for purchases

Balance Transfers: 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days

Regular: 18.74% - 28.74% (Variable)

Apply Now for Bank of America® Travel Rewards credit card

On Bank of America's Secure Website.

Full World of Hyatt Card review

This credit card is a good fit for: People who stay at Hyatt properties and want to get free nights (as well as other valuable benefits) at the hotel chain.

Top perks

The World of Hyatt Credit Card has valuable benefits for frequent guests.

5 Free Nights

Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.

It's a more complicated welcome offer than what most hotel credit cards have, and it requires a lot of spending. Still, this is one of the more valuable sign-up bonuses from a hotel credit card.

SEE MORE: Best Credit Card Sign-Up Bonuses

Up to 9 points per $1

The World of Hyatt Credit Card earns:

  • 4 points per $1 on purchases at all Hyatt hotels
  • 2 points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit and commuting, and memberships at fitness clubs and gyms
  • 1 point per $1 on all other purchases

World of Hyatt members earn 5 points per $1 on Hyatt purchases. You can combine that rate with the 4 points per $1 offered by this card to earn an impressive 9 points per $1 on all your Hyatt spending.

Up to two free nights per year

You get one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary. In addition, you can get another free night if you spend $15,000 during your cardmember anniversary year.

Free night awards are one of the most valuable perks the best hotel credit cards offer. Most Hyatt hotels cost at least $95 per night, so this benefit alone makes up for the card's annual fee. If you use it at an expensive hotel, it could save you $300 or $400. And if you spend enough on this Hyatt credit card, you can get another free night every year.

Complimentary elite status

The World of Hyatt Credit Card includes World of Hyatt Discoverist status, the first elite status tier in the hotel's loyalty program. Perks of this status tier include:

  • Complimentary premium internet
  • 2 p.m. checkout when available
  • Expedited check-in at participating locations

You'll also receive five qualifying night credits every year and another two qualifying night credits every time you spend $5,000 with your card. Those credits make it easier to progress to higher status tiers.

No foreign transaction fees

Like just about any of the best travel rewards cards, The World of Hyatt Credit Card doesn't charge an extra fee for foreign transactions.

Travel and consumer protections

If you use this card for travel or shopping purchases, it offers several helpful protections. Here are the protections that apply to eligible purchases:

  • Baggage delay insurance
  • Lost luggage reimbursement
  • Trip cancellation/trip interruption insurance
  • Purchase protection against damage or theft
  • Auto rental damage collision waiver

What could be improved

There are a couple drawbacks to note about this hotel card.

Spending requirement for sign-up bonus

To earn the full 60,000-point sign-up bonus, you need to spend $3,000 in the first three months and $15,000 in the first six months. Those are both doable, especially if you plan to put most of your purchases on your Hyatt credit card. But it's more spending than many of the top credit cards require.

Annual fee

The World of Hyatt Credit Card costs $95 per year. That's something to consider before applying, but the card provides well over $95 in annual value if you can use its benefits.

The free night benefit at a Category 1-4 Hyatt hotel or resort can easily save you hundreds of dollars. There's also this card's rewards rate, complimentary World of Hyatt Discoverist status, and the opportunity to earn another free night by spending $15,000 per year. All those perks more than justify the annual fee, assuming you can use them. If not, check out more credit card reviews to find a better fit.

Fewer properties than other hotel chains

Hyatt certainly isn't a small hotel chain, but it doesn't have nearly the footprint of certain competitors. It has over 900 properties, whereas IHG® and Hilton have over 6,000, and Marriott International has well over 7,000. You won't have nearly as many places where you can redeem Hyatt points compared to points from one of those other hotels.

RELATED: Best Credit Cards for International Travel

Find the best credit card for your needs

Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.

Compare Cards

Suggested credit score

A FICO® Score of at least 670 is recommended to apply for The World of Hyatt Credit Card. It's aimed at consumers with good credit, and while you could be approved with a lower score, it's less likely.

In addition to your credit score, another factor that can determine whether you're approved is the number of credit cards you've opened in the last 24 months. This is a cobranded credit card offered by Chase and Hyatt. Chase usually denies applicants who have opened five or more credit cards within that time frame.

LEARN MORE: A Guide to Chase's 5/24 Rule

The World of Hyatt Credit Card is right for you if:

The World of Hyatt Credit Card is a must-have for anyone who stays at Hyatt hotels on a regular basis. It will earn you bonus points on all your Hyatt purchases. It charges an affordable annual fee, and its free night alone should mean you come out ahead. There's a lot to like about this card and no major drawbacks. If you are a Hyatt fan, The World of Hyatt Credit Card will improve your stays and save you quite a bit of money.

Our credit card methodology

At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.

FAQs

  • The minimum starting credit limit for The World of Hyatt Credit Card is $5,000. Your credit limit is based on your credit worthiness, and some cardholders have reported limits of over $25,000.

  • No, The World of Hyatt Credit Card isn't a metal credit card. It's made of plastic.

  • Chase issues The World of Hyatt Credit Card.