World of Hyatt credit card review: One of the most valuable hotel cards
Overview of the World of Hyatt credit card
With a valuable loyalty program and generous card benefits, Hyatt World Credit Card is one of the leading hotel cards on the market. Cardholders earn 4 points per dollar on all Hyatt spends, and you’ll receive a Category 1-4 free night award each year you keep the card and another award when you spend $15,000 in one calendar year. Hyatt points are Most valuable hotel pointsand free nights start at just 3,500 points. Card Rating*: ⭐⭐⭐⭐½
*Card rating based on the opinions of the TPG editorial board and not influenced by the card issuer.
Thanks to solid redemption capabilities and elite benefits, World of Hyatt is one of our favorite loyalty programs at TPG.
the Hyatt World Credit Card It doesn’t have the huge benefits you’ll find with higher-end hotel cards, but its perks are valuable enough to easily justify the modest $95 annual fee.
Recommended credit score for this card it is above 670.
But does it deserve a place in your wallet? Let’s dive into the details below.
Pros and cons of Hyatt World
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World of Hyatt Credit Card welcome offer
the World of Hyatt cards is currently offering five Category 1-4 free night award certificates after spending $4,000 in the first three months of account opening.
The welcome offer offers five free nights, which can be used in a variety of ways. They can be used for Category 1 hotels, for 3,500 points per night; however, you’ll maximize certificates by using them at Category 4 hotels, which can cost up to 18,000 points per night.
TPG October 2024 valuation Hyatt pegs at 1.7 cents each, so if you Maximize your free night certificate by using them at Category 4 hotels on peak days, the sign-up bonus is worth up to $1,530.
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As always, take note limit: You will not be eligible to earn those bonus points if you have earned a Hyatt card sign-up bonus within the past 24 months. And since this is a Chase card, it is subject to the infamous punishment 24/5 rule. You’ll want to make sure you qualify for the card and its rewards before signing up.
Related: How to maximize World of Hyatt redemptions
Benefits of the World of Hyatt Credit Card
the Hyatt World Credit Card comes with some notable perks:
Annual free night certificate
The best ongoing benefits from the World of Hyatt card are Annual free night certificate at Category 1-4 Hyatt hotels, which you will receive on each account anniversary. You’ll also get a second free night after spending $15,000 in a calendar year.
You can get some incredible value from this certification both domestically and internationally. This is what TPG’s senior editorial director Nick Ewenhave to say about this privilege:
I love getting a Class 1-4 certificate on my World of Hyatt credit card. There are a lot of great options at this award level, as I’ve used it to stay at the Hyatt Centric Fort Lauderdale, the Andaz Savannah, and even the Grand Hyatt Tampa Bay after a Taylor Swift concert – when the price up to more than 900 USD each time. night! But the place I use these certificates most often is Hyatt Regency Orlando Airport. When I have an early morning flight (or late night arrival) with my family, it’s great to have a place to stay right in the terminal.
No matter your destination, your free night certificate alone provides enough value to justify the $95 annual fee.
Related: Best category 4 Hyatt hotels
Elite status
You will receive it automatically Explorer status just get the card, which includes benefits like late check-out, priority rooms, and a 10% points bonus on eligible purchases. The late check-out privilege is invaluable to me, especially when I have a late evening flight and want to freshen up beforehand.
Plus, you get five elite nights deposited into your account each year, and then you’ll also earn extra nights when you spend – two nights for every $5,000 spent on the card. In other words, by keeping the card and spending $15,000 in a year to earn that second Category 1-4 certification, you’ll get 11 nights of credit – almost 20% of the way to achieving Leading globalized Hyatt position.
Protect tourism
Chase issues the World of Hyatt card, so you’ll get many of the travel protections we’ve come to expect from Chasing credit cardsinclude:
- Baggage delay insurance: Refund you on essential purchases like toiletries and clothing when your bag is delayed more than six hours by the passenger carrier for up to $100 per day for five days.
- Return lost luggage: If you or a family member directly checks or your carry-on baggage is damaged or lost by the carrier, you will be covered for up to $3,000 per passenger.
- Trip interruption and trip cancellation insurance: If your trip is canceled or cut short due to illness, inclement weather, and other covered events, you may be reimbursed up to $5,000 per person and $10,000 per trip for travel expenses prepaid, non-refundable, includes passenger fares, tours and hotels.
- Waiver of damage caused by car rental collisions: Coverage is offered for theft and collision damage for most cars in the US and abroad. In the US, insurance is secondary to your personal insurance.
Again, this list of benefits isn’t as extensive as on some other premium hotel cards, but it offers value that far exceeds the card’s $95 annual fee.
Related: Is the World of Hyatt credit card worth the annual fee?
Earn points on the World of Hyatt Credit Card
Cardholders will earn 4 points per dollar on purchases Hyatt Real Estate2 points per dollar at restaurant and on direct airline tickets, transit and local travel (including ride-hailing) and gym membership purchases, plus 1 point per dollar on all other purchases.
Earn 4 points per dollar on Hyatt stays more than you’d earn with any other card, and it’s worth noting that you’ll earn an additional 5 points per dollar on Hyatt purchases as a member Discoverist in the World of Hyatt program, making this category especially lucrative. Additionally, this is one of the few cards that earns bonus points when purchasing a gym membership.
However, it will be better if you use it Chase Sapphire Preferred® Card or Reserve Chase Sapphire® for you eat and drink and general tourism purchase. You’ll earn more bonus points when you switch to Hyatt or any of Chase’s 14 other airline and hotel partners.
Related: Best credit cards for general travel purchases
Redeem points on the World of Hyatt Credit Card
Up to now, Best use of Hyatt points for awards night. Redemptions for standard rooms start at 3,500 points for an off-peak night at Type 1 properties and reach up to 45,000 points for peak days at Class 8 properties.
TPG credit card writer Chris Nelson was able to get outstanding value by redeeming three nights during peak season during a busy summer weekend at Story Hotel Riddargatan in Stockholm for just 12,000 points.
You also have the option to book Points and Cash Prizes and pay half the regular points price and half the standard cash rate.
Additionally, you can upgrade paid stays with points. Redeeming points for free nights tends to be a better deal, but Paid stay upgrades can be valuable and won’t bust your points reserve.
You can also transfer points to some airline partners, but the transfer ratio is 2.5:1, which is less than ideal. Hyatt also allows you to redeem points for dining, spa visits, Lindblad Expedition and other experiences, but you’re almost always better off using points for hotel rooms.
Related: How to redeem points with the World of Hyatt program
Which cards compete with the World of Hyatt Credit Card?
If you haven’t stayed at enough Hyatt hotels to get good value from Hyatt World Credit CardOne of these may be more suitable:
For more options, please see our list of Best hotel rewards credit cards And best travel credit cards.
Related: Best credit cards for a stay at Hyatt
Bottom line
The World of Hyatt card is a must-have for Hyatt loyalists as it is the hotel chain’s only co-branded personal credit card currently accepting subscriptions and the only card that will help you earn status. elite status in the World of Hyatt program.
You can get plenty of value from the card to make the $95 annual fee worth it. And because the card is Visa, yes There are no foreign transaction feesyou will have no problem using it worldwide.
However, if you stay more frequently at hotels under a different hotel brand or want more rewards flexibility, you may want to use a different card.
Register here: Hyatt World Credit Card
Related: Why I aim to spend $15K on my World of Hyatt Credit Card each year
