Credit Cards Credit Card Reviews

World of Hyatt Credit Card Review

overall rating
4.3

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The World of Hyatt credit card offers a great value, with a one-time offer of up to 50,000 points, an award night at a category 1–4 Hyatt hotel each cardmember anniversary, and 4 points per dollar spent at Hyatt hotels. These benefits can quickly offset the card’s $95 annual fee.

World of Hyatt Credit Card

overall rating
4.3
World of Hyatt Credit Card
On Chase's Secured Site.

Current Offer:

Earn 25,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening. Plus, earn an additional 25,000 Bonus Points after you spend $6,000 total on purchases within the first 6 months of account opening.

Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $95
Rewards Earning Rate Earn 4X points for Hyatt stays, 2x for eligible transit, restaurants, gym memberships, and airfare purchased directly from the airline. 1x on other purchases.
Balance Transfer Fee Either $5 or 5% of the amount of each transfer, whichever is greater.
Foreign transaction fee (%) 0%
how this card stacks up
When compared among all rewards cards in our database:
Rewards
Benefits
Low Fees
Security/Customer Experience
Low Interest
worst best

Full Review of World of Hyatt Credit Card

Pros
  • Up to 50,000 point one-time offer with up to six-month earning period

  • Up to two award nights per year

  • Earn 4 points per dollar spent at Hyatt hotels

Cons
  • Hyatt hotels aren't as widespread as some other brands

  • Annual fee isn't waived the first year

  • Confusing rewards earning structure combines credit card and hotel loyalty points

Pros Explained

  • Up to 50,000 Point One-Time Offer with Up to Six-Month Earning Period: You can earn up to 50,000 bonus points with this card’s bonus by spending $3,000 in purchases within the first three months and a total of $6,000 in purchases within the first six months. The points you earn can be used for up to 10 award nights at category 1 Hyatt hotels. This bonus opportunity is spread out over six months, giving people who don’t spend as much on their credit cards a better chance of earning the bonus. Some competing cards require spending $5,000 in three months to earn a bonus, which can be difficult to reach.
  • Up to Two Award Nights per Year: You automatically earn an award night at a category 1–4 Hyatt hotel after each cardmember anniversary. This award night can easily offset the card's annual fee. You can earn an additional award night at a category 1–4 Hyatt hotel after spending $15,000 during your cardmember anniversary year. While other cards offer the ability to earn additional award nights with long hotel stays, most don’t offer an additional night for reaching a spending requirement within a year.
  • Earn 4 Points per Dollar Spent at Hyatt Hotels: You will earn 4 points per dollar spent at Hyatt hotels including participating restaurants and participating Small Luxury Hotel (SLH) properties. Our valuation methodology values these points at 1.48 cents each, which results in a value of 5.92 cents per dollar spent. This is a much higher value than you can earn with even the best cash back credit cards.

Cons Explained

  • Hyatt Hotels Aren't as Widespread as Some Other Brands: While Hyatt is a well-known brand, it doesn't have a huge hotel footprint compared with some of its competitors. It currently has more than 850 properties worldwide. However, other major brands have more locations to choose from. For instance, IHG has more than 5,700 properties worldwide and Marriott has more than 7,600.
  • Annual Fee Isn’t Waived the First Year: The World of Hyatt credit card's $95 annual fee is charged every year, including your first year. Some competing cards waive their annual fee during the first year.
  • Confusing Rewards Earning Structure Combines Credit Card and Hotel Loyalty Points: The marketing for this credit card can be confusing because it mentions that you can earn 9 World of Hyatt points per dollar spent when using the card. That's true, but it combines the 5 points per dollar spent you can earn through the World of Hyatt loyalty program, which you can earn whether you have the card or not, with the 4 points per dollar spent you earn with the credit card.

This Card is Best For

  • Avatar for Rewards Strategist Persona
    Seeks to maximize points or miles earnings across spending categories
    Rewards Strategist
  • Avatar for Loyalty Status Seeker Persona
    Seeks the recognition and perks of branded travel partner status
    Loyalty Status Seeker

The World of Hyatt credit card is a good fit for people with good to excellent credit who find themselves regularly staying at Hyatt hotels. The 4 points per dollar spent for using the credit card at Hyatt hotels can quickly add up, especially when you consider the additional 5 points per dollar spent that you can earn as a World of Hyatt loyalty program member.

Based on our valuation of 1.48 cents per point, you’d only have to spend about $1,605 each year at Hyatt hotels or about $3,210 in the 2 points per dollar spent bonus categories to offset the $95 annual fee on this card. That doesn't even take into account the category 1–4 night you receive on each cardmember anniversary or any other benefits this card offers.

World of Hyatt Credit Card One-Time Offer

To be eligible for this card and to earn the bonus, you must not currently hold any Hyatt credit cards or be a previous cardmember of any Hyatt credit card who received a new cardmember bonus within the last 24 months. 

If you qualify for the bonus, it is broken into two distinct parts. First, you can earn 25,000 bonus points after spending $3,000 in purchases within three months from account opening. Next, you can earn an additional 25,000 bonus points after spending a total of $6,000 within the first six months of account opening. The bonus should post to your World of Hyatt account within six to eight weeks after qualifying. Your card must remain open for at least three months. Otherwise, Hyatt and Chase may deduct the bonus points you earn from your World of Hyatt account.

According to our valuation of 1.48 cents per point, each 25,000 point bonus is worth $370 for a total potential bonus of $740. Don’t forget to reduce these bonus amounts by the $95 annual fee you have to pay, though.

Rewards Earning Details

Earning rewards with the World of Hyatt credit card is fairly straightforward, but some of the bonus categories aren’t very common and can be a bit difficult to remember. The points you’ve earned do not expire as long as your credit card account is open.

You'll earn 4 bonus points per dollar spent at Hyatt hotels, including participating restaurants and participating Small Luxury Hotel (SLH) properties. Additionally, you'll earn 2 bonus points per dollar spent at restaurants, on airline tickets purchased directly from the airline, local transit, commuting, fitness club or gym memberships, and FIND experiences booked at World of Hyatt's FIND website. You'll also earn 1 bonus point per dollar spent on all other purchases.

The rewards rates in bonus categories are strong when you consider their estimated value at 1.48 cents per point. That said, you can earn more value on all other purchases with certain no annual fee cash back credit cards.

Rewards Redemption Details

You can redeem your World of Hyatt points in many ways, but using them to book a hotel stay usually results in the highest value per point. Hyatt offers two ways to use points to book hotel stays. You can book with only points or pay with points and cash. 

Points rates vary from 5,000 points per night for a category 1 hotel to as much as 40,000 points per night for a category 8 hotel. If you opt to book with points and cash, the points amount drops in half and you pay half of the standard rate in cash for your stay.

You can also use your points to upgrade your room on some paid stays. Upgrades may not always be available and are not allowed at some hotels. A Regency Club or Grand Club upgrade costs 3,000 points per night, a suite upgrade costs 6,000 points per night, and a premium suite upgrade costs 9,000 points per night. 

Points can be redeemed for dining or spa credits, but the valuations are less than a penny per point. Using points for meetings and events is another redemption option, but the value per point is only 1.33 cents. You can use 6,000 points to book a one-day intermediate-size car rental through Avis, but this doesn’t offer a lucrative valuation for your points, either.

Transferring Points

Hyatt does allow you to transfer points to participating travel loyalty programs, but it usually isn’t a great value. One rare exception where it may make sense is if you need to top off one of your loyalty program accounts to book an award you wouldn’t otherwise be able to obtain.

In particular, you can usually transfer points from Hyatt to a wide range of participating airline travel loyalty programs at a ratio of 2.5 World of Hyatt points to 1 point in the other program. A minimum of 5,000 World of Hyatt points are required for each transfer request, but transfers above that amount may be done in 1,250 Hyatt point increments.

Certain travel partners offer different conversion rates, though. For example, you can transfer 5,000 World of Hyatt points to the following partners at these rates:

  • Aeromexico/LAN Airlines S.A. – 4,000 kilometers
  • Air China – 3,200 kilometers
  • China Eastern Airlines – 3,200 points
  • Qantas Airways – 2,400 points
  • Southwest Airlines – 2,400 points
  • Virgin Atlantic Airways – 3,000 miles

How to Maximize Your Rewards

To maximize your rewards, you’ll want to make sure you put all Hyatt and other bonus category purchases on this credit card. Once you’ve accumulated enough points, you can further maximize your value by carefully selecting how you redeem the points you earn. 

Certain hotels will result in higher per point redemption values even though the program uses a hotel category pricing chart to account for the differences in hotel cost and quality.

Average Case

If you’re doing business or visiting family in Minneapolis-St. Paul, say, you might book a room at the Hyatt Regency Minneapolis. You’d have to pay 12,000 points per night for a standard room with one king bed, while the hotel charges a standard rate of $179 a night for a March 1, 2020 reservation for that room. This results in a value of 1.49 cents per point.

Aspirational Case

If you want to get the most value out of your points, you might consider saving them up and planning a vacation around the hotels with the best redemption values. Those tend to be Hyatt’s higher-tier properties. So, for example, if you’re visiting New York City, you could stay at the Park Hyatt New York. The standard rate for a single room with a king bed is $645 per night for a March 1, 2020 reservation, but you could instead use 15,000 points a night to book the same room. That’s a value of almost 2 cents per point.

World of Hyatt Credit Card's Outstanding Benefits

  • Hyatt Discoverist elite status and more: You automatically get Hyatt Discoverist status with this card, as well as five qualifying night credits toward your next tier status every year and two additional qualifying night credits toward your next tier status every time you spend $5,000 on your card.
  • Baggage delay insurance: You can be reimbursed up to $100 per day for five days for essentials when your baggage is delayed more than six hours by a passenger carrier.
  • Lost luggage reimbursement: Up to $3,000 per passenger for carry-on or checked bags damaged or lost by the carrier.
  • Trip cancellation or interruption insurance: Up to $5,000 per trip for prepaid, nonrefundable travel if your trip is canceled or cut short due to sickness, severe weather, and other covered situations.

Standard Benefits

  • Concierge for booking event tickets, making dinner reservations, etc.
  • Purchase protection

Cardholder Experience

Chase, the issuer of the World of Hyatt credit card, received a score of 807 in J.D. Power's 2019 U.S. Credit Card Satisfaction Study. This is just one point above the national issuer average of 806.

All Chase cardmembers, and even non-Chase customers, can enroll in Chase’s free Credit Journey service. This service provides free access to your VantageScore 3.0 credit score, which is updated weekly. You can also access a credit score simulator and other educational credit resources. 

Customers who need assistance with their card can call customer service 24/7 at 800-432-3117. You can also look for answers to any issues you’re having on the Chase website or with the Chase mobile app.

Security Features

The World of Hyatt credit card offers standard security features. In addition, you can lock and unlock your card on the Chase website or Chase app to prevent new, non-recurring purchases you haven’t authorized. You can get access to a credit report and sign up for credit alerts through Chase Credit Journey to monitor your credit report for potential fraud.

Fees to Watch Out For

The fees the World of Hyatt credit card charges are fairly standard for this type of card. But be aware that the $95 annual fee is not waived in the first year as it is with some other credit cards. In addition, the balance transfer fees ($5 or 5% of the amount of each transfer, whichever is greater) and cash advance fees ($10 or 5% of the amount of each transaction, whichever is greater) are higher than some other credit cards charge.

Our Verdict

The World of Hyatt Credit Card offers quite a few ways to get outstanding value for the $95 annual fee you’ll pay. The large one time bonus of up to 50,000 points, the annual award night at a category 1–4 Hyatt hotel awarded on each cardmember anniversary, and the 4 points you earn per dollar spent at Hyatt hotels are all exceptionally good perks. If you’re strategic about how you redeem your points, you can get much more value for each point than our standard valuation of 1.48 cents per point.

In categories where your purchases earn you only 1 point (or 1.48 cents) per dollar, you will be better off using a different card that pays a higher rewards rate on all other purchases. For instance, the Citi Double Cash credit card would be a good pairing with the World of Hyatt credit card, as it earns 1% cash back on your purchases and an additional 1% cash back on your payments for those purchases.

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on Chase's Secured Site.
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CURRENT CARD
World of Hyatt Credit Card
overall rating
4.3
Recommended Credit Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.99% - 22.99% variable
Annual Fee $95
Rewards Earning Rate Earn 4X points for Hyatt stays, 2x for eligible transit, restaurants, gym memberships, and airfare purchased directly from the airline. 1x on other purchases.
Investopedia Credit Card Rating Methodology
Investopedia is committed to delivering the best credit card recommendations in the industry. We’ll tell you when a card is good, we’ll tell you when a card is bad, and we’ll only call a card the best if we would recommend it to our friends or family members.
Overall Star Rating Explained
To rate credit cards we objectively assess, score and weight nearly 100 individual card features which roll up into five major feature sets: fees, interest, rewards, benefits and security/customer service. Here’s how we weighted those feature sets for the overall star rating of a card:
We have applied our proprietary rating methodology to every generally-accepted credit card in the U.S. domestic market to allow consumers to make fully informed choices. It’s important to note that for our overall score that we make a number of assumptions about how you would be using your credit card:
  1. While we make no assumption as to whether balances are carried on a given card we do assign varying weights to all credit cards’ introductory APR (if present) in addition to the regular, long term purchase and balance transfer interest rates.
  2. We utilize BLS (U.S. Bureau of Labor Statistics) income and average category spending data to calculate annual earnings rates for rewards cards that offer cash back, points or miles rewards at a set rate on all spending or in consideration of bonus rewards for certain spending categories, like gasoline, groceries, restaurants or travel.
  3. We determine the maximum points value of rewards cards by dividing the points, cash back or miles required to exchange for the retail price of the most valuable redemption option (for example, in the case of a card that offers a domestic roundtrip airline ticket as a redemption option vs. another redemption option of lesser value that requires the same amount of points or miles to acquire, we would base the rewards value on the airline ticket).
  • Cards that are selected best overall in their respective categories generally feature most if not all of the following attributes:
  • Low or Reasonable Fees Credit card fees come in many forms but the primary ones involve those for annual card membership and balance transfer. There are a myriad of reward and non-reward card options that charge no annual fee but for the many that do assess an annual fee the cost is often justified by their lucrative ongoing rewards and initial signup bonuses. Balance transfer fees are occasionally waived during introductory periods with certain cards, a factor which is heavily and positively weighted in our scoring model for cards offering this benefit. When charged, balance transfer fees range between 3% - 5%, which we grade accordingly. Other standard fees can generally be avoided, such as those for paying late or taking cash advances but we rate those relative to other cards in the market for reference, though with less weight assigned
  • Competitive Interest Many cards offer 0% introductory APR on purchases and balance transfers for varying lengths and then revert to a permanent or regular APR (based on a variable rate tied to the prime rate) that applies to any balances not paid in full. We rate both introductory APR percentage and length (in months) along with the midpoint of the variable regular APR interest rate range.
  • Valuable Rewards Credit card reward programs can be based on cash back, points or travel rewards (which can be generic or travel partner-specific, as with airline and hotel co-brand card programs). For cards that offer rewards we determine the value per dollar spent along with average redemption values and assign more favorable ratings to cards that offer superior consumer value. We also assign value to sign-up bonus offers and their initial spending requirements, when present.
  • Excellent Benefits Credit card benefits cover a range of offerings like concierge service, TSA Pre-check, auto rental coverage, travel accident insurance, lost luggage assistance and free credit scores. We rate cards on the number and level of over a dozen standard and upscale benefits and provide extra weighting emphasis for those travel-related perks that apply to premium travel cards when present.
  • Solid Security/Customer Service Security and customer service features like lost or stolen card replacement, being able to lock one’s card from an issuer app and 24 hour customer support are becoming more standard across the card market and we provide a significant amount of weighting to features in this area.
  • You can also read the full version of our methodology for a more in-depth look at how we assess cards and award them the best in various categories.