The World of Hyatt Credit score Card (see charges and charges) has many followers and comes with a modest $95 annual price, however does that imply it is price it?
That is the one private cobranded bank card providing from World of Hyatt, so in case you’re loyal to the award-friendly lodge chain, you might wish to contemplate it.
This is a have a look at what you get from the World of Hyatt card annually so you may make up your thoughts.
Welcome supply
New candidates for the World of Hyatt card can earn:
- Two free nights at any Class 1-4 Hyatt lodge after spending $4,000 on purchases within the first three months from account opening
- 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening
This supply ends Aug. 28.
The free nights and factors included on this bonus are price as much as $1,037 per TPG’s July 2025 valuations. Word that that is solely the case in case you attain each spending necessities and maximize the 2 free nights for 18,000 factors every at a Class 4 property.
The obvious technique to redeem Hyatt factors is for lodge stays with World of Hyatt. This contains not simply resorts with “Hyatt” within the title, however different Hyatt manufacturers like Small Luxurious Accommodations of the World as properly. Resort redemptions can embrace free night time awards and Factors + Money funds.
You can too redeem factors for eating, spa or assembly credit, Discover Experiences, rental vehicles and room upgrades.
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World of Hyatt makes use of a peak and off-peak award chart, which means you may pay extra factors for lodge stays across the holidays and through busy journey seasons. Conversely, in case you can journey at quieter occasions, you’ll be able to redeem fewer factors.
Off-peak pricing at Class 1 properties begins at simply 3,500 factors per night time. Hyatt properties have eight totally different classes, with peak pricing at Class 8 properties topping out at 45,000 factors per night time.
You can too high up your World of Hyatt account with 1:1 transfers from Chase Final Rewards. These factors ought to switch immediately.
Associated: Greatest Hyatt Class 4 resorts, based on Globalists
Annual free night time award
Annually in your cardholder anniversary, you may obtain a free night time award. It may be used at Class 1-4 resorts worldwide for one free night time. It is also price mentioning that you just will not pay resort charges on award stays with Hyatt.
This profit alone can justify the Hyatt card’s $95 annual price since you’ll be able to redeem your free night time for $200 or extra in worth with minimal effort.
Associated: The perfect Hyatt resorts on this planet
Earn a second free night time award
Along with the complimentary free night time award acquired annually, you’ll be able to earn a second free night time award (legitimate at Class 1-4 properties) by spending $15,000 on purchases in a calendar yr in your card.
Associated: Why I purpose to spend $15K on my World of Hyatt Credit score Card annually
Elite standing and associated advantages
As a cardholder, you may obtain complimentary Discoverist standing annually. That is the entry-level standing tier in World of Hyatt, however it gives stable worth and perks.
It gives complimentary bottled water throughout your keep, late checkout (when obtainable) and most well-liked room upgrades inside the similar room class (when obtainable).
Moreover, you may additionally earn 10% bonus factors on money stays (5.5 as an alternative of 5 factors per greenback spent).
Incomes Discoverist standing sometimes requires staying at Hyatt properties for at least 10 nights per yr. Hyatt loyalists can probably attain Discoverist standing on their very own annually, however those that journey occasionally or aren’t loyal to at least one model might not be in a position to take action. That may make this card’s complimentary Discoverist standing very interesting.
With the non-public World of Hyatt card, you may earn two tier-qualifying night time credit towards standing for every $5,000 spent on the cardboard. Thus, spending the $15,000 on purchases to unlock the free night time award (detailed above) would additionally yield an extra six tier-qualifying nights. There isn’t any restrict to the variety of tier-qualifying nights earned via bank card spending.
Associated: World of Hyatt card vs. World of Hyatt Enterprise card
Different cardmember perks
Along with the above, you may take pleasure in a number of journey protections, together with:
You will earn World of Hyatt factors on every buy together with your card. At Hyatt resorts, you may earn 4 factors per greenback, and that is on high of the factors you may earn by being part of Hyatt’s loyalty program.
You will earn 2 factors per greenback spent at eating places and on commuting, health membership and gymnasium memberships, flights bought straight from airways and transit; and 1 level per greenback spent on different purchases.
These charges signify a 6.8%, 3.4% and 1.7% return on spending, respectively, primarily based on TPG’s July 2025 valuations.
You are able to do significantly better than a 1.7% return on on a regular basis spending with different bank cards, however it’s price contemplating how these purchases may be extra precious when serving to you earn a bonus Class 1-4 free night time award and tier-qualifying nights towards standing annually.
Associated: Which bank card do you have to use for Hyatt stays?
Backside line
The complimentary free night time you obtain annually as a World of Hyatt cardholder ought to simply offset the $95 annual price. Different advantages — such because the points-earning construction and complimentary elite standing — fluctuate in worth relying on how you employ them.
Should you can maximize these advantages, the annual price is definitely price it annually. If not, one other card — maybe one that gives simple money again — could also be higher suited to your pockets.
To be taught extra, see our full assessment of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
