Hyatt affords its loyal vacationers a singular benefit over the opposite main lodge chains in relation to incomes factors.
Not like different huge lodge manufacturers like Hilton, Marriott and IHG, which have switch partnerships with applications like Chase Final Rewards and American Specific Membership Rewards, Hyatt is the one one which typically presents strong switch values.
Given how in style 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 charges).
The World of Hyatt Credit score Card
World of Hyatt affords 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 charges).
Let’s evaluate a few 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 primarily based on TPG’s July 2025 valuations.
- Annual price: $95.
- Earnings charge: Earn 4 factors per greenback spent at Hyatt resorts; 2 factors per greenback spent on airfare bought immediately with the airways, eating places, native transit and commuting (together with ride-hailing providers) and health membership/gymnasium memberships; and 1 level per greenback spent on all different purchases.
- Notable card advantages: Obtain a free Class 1-4 free night time certificates every year in your account anniversary and complimentary Hyatt Discoverist standing, and obtain 5 elite night time credit every year, plus earn two extra 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 applications 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.
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Until you are sticking solely to street journeys, you will want a solution to journey to no matter Hyatt property you are staying in, and Chase Final Rewards factors are among the finest choices for getting you there.
This flexibility is additional enhanced by playing cards just like the Chase Sapphire Reserve® (see charges and charges), which affords redemption charges of as much as 2 cents per factors if you redeem your factors by way of Chase Journey℠ with the brand new Factors Enhance function.
Hyatt factors, however, can solely be redeemed for stays and upgrades at Hyatt resorts.
Now let’s flip our consideration to bonus classes and welcome affords and see how the World of Hyatt card stacks up towards the three hottest Final Rewards-earning playing cards:
| Card | Chase Sapphire Reserve | Chase Sapphire Most well-liked® Card (see charges and charges) | Ink Enterprise Most well-liked® Credit score Card (see charges and charges) | World of Hyatt Credit score Card |
|---|---|---|---|---|
| Annual price | $795 | $95 | $95 | $95 |
| Welcome supply | Earn 100,000 bonus factors plus a $500 Chase Journey credit score after spending $5,000 on purchases within the first three months of account opening.
It is vital to notice that the $500 Chase Journey credit score phrases state: The promotional credit score is legitimate for a one-time use solely, in the event you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining steadiness. |
Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. | Earn 90,000 bonus factors after spending $8,000 on eligible purchases within the first three months of account opening.
|
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. |
| Incomes charges |
Purchases that qualify for the annual $300 journey credit score won’t earn factors |
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At this level, you will need to take a tough take a look at your individual spending patterns to see which card comes out forward. Positive, the World of Hyatt card earns essentially the most factors for Hyatt purchases, however in the event you’re ceaselessly reserving award stays, that class bonus may not make it easier to that a lot.
Plus, incomes extra factors is not at all times a very powerful factor, as Hyatt factors are much less versatile (and due to this fact much less helpful) than Chase Final Rewards factors.
For those who’re making an attempt to resolve 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.
Nonetheless, the playing cards share the identical incomes charge on Hyatt lodge 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 gymnasium memberships.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
Balancing perks and annual charges
The World of Hyatt card affords a free night time certificates every year in your account anniversary that is legitimate at any Class 1-4 lodge. You’ll be able to actually get outsize worth in the event you time these redemptions nicely, such because the Class 4 Thompson Washington, D.C., which fits for nearly $600 per night time throughout peak season dates.
You may additionally take pleasure in complimentary Hyatt Discoverist standing, which might add a number of hundred {dollars} of worth to your annual travels by way of perks like late checkout and bonus factors. Nonetheless, the perks of this card are restricted to Hyatt stays.
If you need a card that may improve your journey on the airport, resorts, if you’re renting a automotive and extra, you will need a card just like the Chase Sapphire Reserve or Sapphire Most well-liked as an alternative.
For instance, even occasional vacationers will get extra worth out of the Reserve’s Precedence Go Choose membership and concierge service than they are going to out of the World of Hyatt card’s Hyatt Discoverist standing.
Plus, you’ll be able to even use your $300 annual journey credit score from the Sapphire Reserve to cowl bills at a Hyatt property.
Associated: How a lot do it’s essential to break even factors with the Chase Sapphire Reserve?
The case for getting greater than 1 card
On the finish of the day, it is potential 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 each one the playing cards talked about on this put up are restricted by Chase’s 5/24 rule, which means you will be robotically rejected in the event you’ve opened 5 or extra playing cards within the final 24 months.
Account for the chance price of utilizing up your 5/24 slots on these purposes. It is also vital to notice that Chase’s new Sapphire card welcome bonus eligibility guidelines now not permit one per 48 months.
Nonetheless, in case you are close to 5/24 and might solely get one card, I like to recommend going the Sapphire route as a result of it supplies way more flexibility, particularly in case you are not a Hyatt loyalist and wish different lodge switch choices.
Backside line
Cobranded airline and lodge playing cards have a troublesome time measuring up towards transferable factors playing cards that provide 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, in the event you ceaselessly end up paying for Hyatt stays, these 4 factors per greenback spent will add up shortly.
For those who favor extra flexibility in how one can redeem your factors, think about an Final Rewards-earning Chase card that’ll allow you to benefit from a number of switch companions. For those who’re someplace within the center and wish the perfect of each worlds, you may as well apply for the World of Hyatt card and an Final Rewards-earning card — simply be sure to’re below Chase’s 5/24 rule if you apply.
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 well-liked
Apply right here: Ink Enterprise Most well-liked
Associated: Easy methods to calculate 5/24 standing
