World of Hyatt Credit score Card overview
With a rewarding loyalty program and beneficiant card advantages, the World of Hyatt Credit score Card (see charges and charges) is without doubt one of the high lodge playing cards available on the market. Cardholders earn 4 factors per greenback spent on all Hyatt spending, and you will get a Class 1-4 free-night award annually you retain the cardboard and one other while you spend $15,000 in a calendar 12 months. Hyatt factors are probably the most invaluable lodge factors, and free nights begin at solely 3,500 factors. Card Score*: ⭐⭐⭐⭐
*Card Score relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Due to its strong redemption potentialities and elite advantages, World of Hyatt is one in every of our favourite loyalty applications at TPG.
The World of Hyatt Credit score Card would not have the heavy-hitting advantages you will discover with extra premium lodge playing cards, however its perks are invaluable sufficient to simply justify the modest $95 annual charge.
The beneficial credit score rating for this card is above 670.
However does it deserve a spot in your pockets? Let’s dive into the main points beneath.
World of Hyatt professionals and cons
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World of Hyatt Credit score Card welcome supply
TPG’s July 2025 valuations peg Hyatt factors at 1.7 cents every, making the supply price as much as $1,037.
This supply is simply barely higher than the cardboard’s common bonus, however it’s not the very best we have seen.
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As all the time, observe the restrictions: You will not be eligible to earn these bonus factors in the event you’ve earned a welcome bonus on a Hyatt card throughout the previous 24 months. And since this can be a Chase card, it is topic to the notorious 5/24 rule. You will wish to make sure you’re eligible for the cardboard and its bonus earlier than making use of.
Associated: Easy methods to maximize World of Hyatt redemptions
World of Hyatt Credit score Card advantages
The World of Hyatt Credit score Card comes with some notable perks:
Annual free night time certificates
The very best ongoing profit from the World of Hyatt card is the annual free night time certificates at a Class 1-4 Hyatt property, which you will obtain each account anniversary. You will additionally get a second free night time after spending $15,000 in a calendar 12 months.
You may get some unimaginable worth from this certificates each domestically and overseas. Here is what TPG senior editorial director Nick Ewen has to say about this perk:
I like incomes Class 1-4 certificates on my World of Hyatt bank card. There are such a lot of nice choices at this award degree, as I’ve used it to remain on the Hyatt Centric Fort Lauderdale and the Andaz Savannah. Nonetheless, I usually look to make use of them throughout high-demand occasions. For instance, I booked the Grand Hyatt Tampa Bay after a Taylor Swift live performance in 2023 when charges had been going for greater than $900 per night time, and my most up-to-date redemption was on the Hyatt Place in Gainesville, Florida on a soccer weekend this fall, the place we prevented paid charges of over $700.
No matter your vacation spot, your free night time certificates alone supplies sufficient worth to justify the $95 annual charge.
Associated: The very best Hyatt Class 4 motels
Elite standing
You will get automated Discoverist standing just by having the cardboard, which incorporates advantages corresponding to late checkout, most well-liked rooms and a ten% factors bonus on eligible purchases. The late checkout perk may very well be invaluable to vacationers with late night flights who wish to clean up beforehand.
Past that, you get 5 elite nights deposited to your account annually, and then you definately’ll additionally earn extra nights with spending — two for each $5,000 spent on the cardboard. In different phrases, by holding the cardboard and spending $15,000 in a 12 months to snag that second Class 1-4 certificates, you will get 11 nights of credit score, almost 20% of the way in which to top-tier Hyatt Globalist standing.
Journey protections
Chase points the World of Hyatt card, so you will obtain lots of the journey protections we have come to anticipate from Chase bank cards, together with:
- Baggage delay insurance coverage: Reimburses you for important purchases like toiletries and clothes for bags delays over six hours by passenger provider as much as $100 a day for 5 days.
- Misplaced baggage reimbursement: In case you or a direct member of the family’s checked or carry-on baggage is broken or misplaced by the provider, you are lined as much as $3,000 per passenger.
- Journey interruption and journey cancellation insurance coverage: In case your journey is canceled or minimize quick by illness, extreme climate and different lined conditions, you could be reimbursed as much as $5,000 per individual and $10,000 per journey to your pay as you go, nonrefundable journey bills, together with passenger fares, excursions and motels.
- Auto rental collision harm waiver: Protection is offered for theft and collision harm for many automobiles within the U.S. and overseas. Within the U.S., protection is secondary to your private insurance coverage.
Once more, this advantages listing is not as intensive as on another extra premium lodge playing cards, however it provides worth properly past the cardboard’s $95 annual charge.
Associated: Is the World of Hyatt Credit score Card well worth the annual charge?
Incomes factors on the World of Hyatt Credit score Card
Cardholders will earn 4 factors per greenback spent on purchases in any respect Hyatt properties, 2 factors per greenback spent at eating places and on direct airfare, native transit and commuting (together with ride-hailing companies) and health club membership purchases, and 1 level per greenback spent on all different purchases.
Incomes 4 factors per greenback spent on Hyatt stays is greater than you will earn with another card, and it is price noting that you will earn a further 5 factors per greenback spent on Hyatt purchases as a Discoverist member within the World of Hyatt program, making this class significantly profitable. Plus, that is one in every of only some playing cards that earn bonus factors on health club membership purchases.
Nonetheless, you will be higher off utilizing the Chase Sapphire Most popular® Card (see charges and charges) for eating and common journey or the Chase Sapphire Reserve® (see charges and charges) to your direct flight and lodge purchases. You will earn extra bonus factors to switch to Hyatt or any of Chase’s different 14 airline and lodge companions.
Associated: The very best bank cards for common journey purchases
Redeeming factors on the World of Hyatt Credit score Card
By far, one of the best use of Hyatt factors is for award nights. Redemptions for normal rooms begin at 3,500 factors for an off-peak night time at a Class 1 property and go as excessive as 45,000 factors for peak dates at a Class 8 property.
TPG bank cards author Chris Nelson bought excellent worth by redeeming three nights throughout peak season over a busy summer season weekend on the Story Lodge Riddargatan in Stockholm for simply 12,000 factors.
You even have the choice to e-book Factors and Money awards and pay half the conventional factors value and half the usual money price.
Moreover, you’ll be able to improve paid stays with factors. Redeeming factors free of charge nights tends to be a greater deal, however upgrading paid stays could be price it and will not bankrupt your level reserves.
It’s also possible to switch factors to a number of airline companions, however the switch ratio is 2.5:1, which is lower than very best. Hyatt additionally means that you can redeem factors for eating, spa visits and different experiences, however you are nearly all the time higher off utilizing factors for lodge rooms.
Associated: Easy methods to redeem factors with the World of Hyatt program
Which playing cards compete with the World of Hyatt Credit score Card?
In case you do not stay at Hyatt properties sufficient to get good worth from the World of Hyatt Credit score Card, one in every of these is likely to be a greater match:
For added choices, please see our listing of one of the best lodge rewards bank cards and greatest journey bank cards.
Associated: The very best bank cards for Hyatt stays
Backside line
The World of Hyatt Card is a must have for Hyatt loyalists. It is the lodge chain’s solely private cobranded bank card at the moment accepting purposes and the one card that helps you earn elite standing throughout the World of Hyatt program.
You are prone to get greater than sufficient worth from the cardboard to make the $95 annual charge price paying. And for the reason that card is a Visa with no international transaction charges, you will not have any downside utilizing it world wide.
Nonetheless, in the event you keep extra ceaselessly at properties inside one other lodge model or need extra versatile rewards, you will doubtless wish to go together with a unique card.
Apply right here: World of Hyatt Credit score Card
