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 costs) is without doubt one of the high resort playing cards in the marketplace. Cardholders earn 4 factors per greenback spent on all Hyatt spending, and you will get a Class 1-4 free-night award every year you retain the cardboard and one other once you spend $15,000 in a calendar 12 months. Hyatt factors are essentially the most worthwhile resort factors, and free nights begin at solely 3,500 factors. Card Score*: ⭐⭐⭐⭐
*Card Score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Because of its stable redemption prospects and elite advantages, World of Hyatt is one among our favourite loyalty packages at TPG.
The World of Hyatt Credit score Card does not have the heavy-hitting advantages you may discover with extra premium resort playing cards, however its perks are worthwhile sufficient to simply justify the modest $95 annual payment.
The really useful 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 under.
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 value as much as $1,037.
This supply is simply barely higher than the cardboard’s common bonus, however it isn’t the best we have seen.
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As at all times, observe the restrictions: You will not be eligible to earn these bonus factors should you’ve earned a welcome bonus on a Hyatt card inside the previous 24 months. And since it is a Chase card, it is topic to the notorious 5/24 rule. You will need to make sure you’re eligible for the cardboard and its bonus earlier than making use of.
Associated: How you can 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 perfect ongoing profit from the World of Hyatt card is the annual free night time certificates at a Class 1-4 Hyatt property, which you may 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. Nevertheless, 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 have 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 averted paid charges of over $700.
No matter your vacation spot, your free night time certificates alone offers sufficient worth to justify the $95 annual payment.
Associated: The perfect Hyatt Class 4 lodges
Elite standing
You will get computerized Discoverist standing just by having the cardboard, which incorporates advantages reminiscent of late checkout, most popular rooms and a ten% factors bonus on eligible purchases. The late checkout perk could possibly be invaluable to vacationers with late night flights who need to clean up beforehand.
Past that, you get 5 elite nights deposited to your account every year, and then you definitely’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 may get 11 nights of credit score, practically 20% of the way in which to top-tier Hyatt Globalist standing.
Journey protections
Chase points the World of Hyatt card, so you may 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 service as much as $100 a day for 5 days.
- Misplaced baggage reimbursement: Should you or a right away member of the family’s checked or carry-on baggage is broken or misplaced by the service, you are lined as much as $3,000 per passenger.
- Journey interruption and journey cancellation insurance coverage: In case your journey is canceled or reduce quick by illness, extreme climate and different lined conditions, you could be reimbursed as much as $5,000 per particular person and $10,000 per journey in your pay as you go, nonrefundable journey bills, together with passenger fares, excursions and lodges.
- 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 record is not as intensive as on another extra premium resort playing cards, however it provides worth effectively past the cardboard’s $95 annual payment.
Associated: Is the World of Hyatt Credit score Card definitely worth the annual payment?
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 may earn with every other card, and it is value noting that you will earn an extra 5 factors per greenback spent on Hyatt purchases as a Discoverist member within the World of Hyatt program, making this class notably profitable. Plus, that is one among only some playing cards that earn bonus factors on health club membership purchases.
Nonetheless, you may be higher off utilizing the Chase Sapphire Most popular® Card (see charges and costs) for eating and basic journey or the Chase Sapphire Reserve® (see charges and costs) in your direct flight and resort purchases. You will earn extra bonus factors to switch to Hyatt or any of Chase’s different 14 airline and resort companions.
Associated: The perfect bank cards for basic 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 traditional 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 time weekend on the Story Resort 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 worth and half the usual money fee.
Moreover, you may improve paid stays with factors. Redeeming factors free of charge nights tends to be a greater deal, however upgrading paid stays could be value it and will not bankrupt your level reserves.
You may also switch factors to a number of airline companions, however the switch ratio is 2.5:1, which is lower than ultimate. Hyatt additionally means that you can redeem factors for eating, spa visits and different experiences, however you are virtually at all times higher off utilizing factors for resort rooms.
Associated: How you can redeem factors with the World of Hyatt program
Which playing cards compete with the World of Hyatt Credit score Card?
Should you don’t remain at Hyatt properties sufficient to get good worth from the World of Hyatt Credit score Card, one among these may be a greater match:
For added choices, please see our record of one of the best resort rewards bank cards and greatest journey bank cards.
Associated: The perfect bank cards for Hyatt stays
Backside line
The World of Hyatt Card is a must have for Hyatt loyalists. It is the resort chain’s solely private cobranded bank card at the moment accepting purposes and the one card that helps you earn elite standing inside the World of Hyatt program.
You are prone to get greater than sufficient worth from the cardboard to make the $95 annual payment value paying. And because the card is a Visa with no overseas transaction charges, you will not have any drawback utilizing it around the globe.
Nevertheless, should you keep extra regularly at properties inside one other resort model or need extra versatile rewards, you may possible need to go along with a special card.
Apply right here: World of Hyatt Credit score Card
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