Get the World of Hyatt card or switch factors from Chase?

Hyatt gives its loyal vacationers a novel benefit over the opposite main resort chains in the case of incomes factors.

Not like different huge resort manufacturers like Hilton, Marriott and IHG, which have switch partnerships with packages like Chase Final Rewards and American Specific Membership Rewards, Hyatt is the one one which usually presents stable switch values.

Given how fashionable the World of Hyatt program is, many individuals ponder whether it is higher to earn Chase Final Rewards factors with the intention of transferring them to Hyatt or just sticking to the World of Hyatt Credit score Card (see charges and costs).

The World of Hyatt Credit score Card

World of Hyatt gives two cobranded bank cards from Chase: the World of Hyatt Credit score Card and the World of Hyatt Enterprise Credit score Card (see charges and costs).

Let’s evaluation a number of the key particulars in regards to the private card.

• Welcome supply: Earn two free nights after spending $4,000 on purchases within the first three months from account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening. In whole, this welcome supply is price as much as $1,037 based mostly on TPG’s July 2025 valuations.
• Annual price: $95.
• Earnings charge: Earn 4 factors per greenback spent at Hyatt motels; 2 factors per greenback spent on airfare bought immediately with the airways, eating places, native transit and commuting (together with ride-hailing companies) and health membership/fitness center memberships; and 1 level per greenback spent on all different purchases.
• Notable card advantages: Obtain a free Class 1-4 free night time certificates annually in your account anniversary and complimentary Hyatt Discoverist standing, and obtain 5 elite night time credit annually, plus earn two further qualifying nights for each $5,000 spent on the cardboard.

For extra particulars, learn our full evaluations of the World of Hyatt bank card and the World of Hyatt enterprise bank card.

Incomes potential and redemptions

Let’s begin with an apparent drawback of sticking solely to the World of Hyatt bank card: You are giving up entry to all of Chase’s different switch companions, together with United Airways, British Airways and Singapore Airways.

The pliability of those packages drives a lot of the worth of Chase Final Rewards factors, which is why TPG’s July 2025 valuations peg them at 2.05 cents every in comparison with simply 1.7 cents every for Hyatt.

Until you are sticking solely to highway journeys, you will want a approach to journey to no matter Hyatt property you are staying in, and Chase Final Rewards factors are top-of-the-line choices for getting you there.

This flexibility is additional enhanced by playing cards just like the Chase Sapphire Reserve® (see charges and costs), which gives redemption charges of as much as 2 cents per factors if you redeem your factors by means of Chase Journey℠ with the brand new Factors Enhance function.

Hyatt factors, however, can solely be redeemed for stays and upgrades at Hyatt motels.

Now let’s flip our consideration to bonus classes and welcome gives and see how the World of Hyatt card stacks up towards the three hottest Final Rewards-earning playing cards:

At this level, you will must take a tough have a look at your personal spending patterns to see which card comes out forward. Positive, the World of Hyatt card earns probably the most factors for Hyatt purchases, however for those who’re regularly reserving award stays, that class bonus won’t aid you that a lot.

Plus, incomes extra factors is not all the time crucial factor, as Hyatt factors are much less versatile (and due to this fact much less worthwhile) than Chase Final Rewards factors.

In case you’re attempting to determine between the Chase Sapphire Reserve and the World of Hyatt card, the Sapphire Reserve has a transparent edge in airfare booked immediately and eating purchases.

Nevertheless, the playing cards share the identical incomes charge on Hyatt resort purchases, however the factors earned on the Sapphire Reserve are price barely extra. Hyatt’s saving grace is the distinctive bonus class for health golf equipment and fitness center memberships.

Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most popular and Freedom Limitless

Balancing perks and annual charges

In fact, welcome bonuses and bonus classes are just one part of choosing the right bank card. Discovering probably the most perks for the bottom annual price is one other necessary consideration.

The World of Hyatt card gives a free night time certificates annually in your account anniversary that is legitimate at any Class 1-4 resort. You possibly can actually get outsize worth for those who time these redemptions nicely, such because the Class 4 Thompson Washington, D.C., which works for nearly $600 per night time throughout peak season dates.

You will additionally take pleasure in complimentary Hyatt Discoverist standing, which may add a number of hundred {dollars} of worth to your annual travels by means of perks like late checkout and bonus factors. Nevertheless, the perks of this card are restricted to Hyatt stays.

If you need a card that may improve your journey on the airport, motels, if you’re renting a automotive and extra, you will desire a card just like the Chase Sapphire Reserve or Sapphire Most popular as a substitute.

For instance, even occasional vacationers will get extra worth out of the Reserve’s Precedence Cross Choose membership and concierge service than they are going to out of the World of Hyatt card’s Hyatt Discoverist standing.

Plus, you may even use your $300 annual journey credit score from the Sapphire Reserve to cowl bills at a Hyatt property.

Associated: How a lot do that you must break even factors with the Chase Sapphire Reserve?

The case for getting greater than 1 card

On the finish of the day, it is doable for a lot of Hyatt loyalists to carry a Chase Sapphire card (or each) and the World of Hyatt card to get the perfect of each worlds. The most important caveat is that every one the playing cards talked about on this put up are restricted by Chase’s 5/24 rule, that means you will be robotically rejected for those who’ve opened 5 or extra playing cards within the final 24 months.

Account for the chance value of utilizing up your 5/24 slots on these functions. It is also necessary to notice that Chase’s new Sapphire card welcome bonus eligibility guidelines now not permit one per 48 months.

Nevertheless, if you’re close to 5/24 and may solely get one card, I like to recommend going the Sapphire route as a result of it offers much more flexibility, particularly if you’re not a Hyatt loyalist and need different resort switch choices.

Backside line

Cobranded airline and resort playing cards have a tricky time measuring up towards transferable factors playing cards that supply a greater return and extra advantages, however there is a compelling case to be made for the World of Hyatt card. On the very least, the free night time certificates is sufficient to negate the annual price. Plus, for those who regularly end up paying for Hyatt stays, these 4 factors per greenback spent will add up shortly.

In case you want extra flexibility in how one can redeem your factors, think about an Final Rewards-earning Chase card that’ll allow you to reap the benefits of a number of switch companions. In case you’re someplace within the center and need the perfect of each worlds, you too can apply for the World of Hyatt card and an Final Rewards-earning card — simply ensure you’re below Chase’s 5/24 rule if you apply.

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Apply right here: World of Hyatt Credit score Card
Apply right here: World of Hyatt Enterprise Credit score Card
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most popular
Apply right here: Ink Enterprise Most popular

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Associated: The way to calculate 5/24 standing