World of Hyatt Credit Card Review: Free Award Nights Can Make Annual Fee Worth It

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World of Hyatt Credit Card

World of Hyatt Credit Card

Editor’s Score: (3.975/5)
Learn more externa link icon at our partner’s secure site.
Rewards rate:

Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member. Earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships.

  • Intro bonus: Up to 60,000 Bonus Points
  • Annual fee: $95
  • Regular APR: 15.99% – 22.99% Variable
  • Recommended credit score: 670-850 (Good to Excellent)

With the World of Hyatt Credit Card from Chase, you can rack up points on Hyatt hotel stays and other travel expenses, use the welcome bonus to potentially book up to 12 free nights, and score a free night each year on your cardmember anniversary — for a $95 annual fee. Plus, automatic World of Hyatt Discoverist status offers benefits like waived resort fees on award stays and late checkout.

At a Glance

  • Earn 30,000 bonus points when you spend $3,000 within three months of account opening
  • Limited Time Offer: Apply by 9/30/21 and upon approval you’ll receive 2 Tier-Qualifying Night Credits for each night you stay from 8/16/21 through 12/31/21.
  • Earn up to 30,000 additional bonus points in the first six months of account with 2 bonus points per $1 on up to $15,000 spent on purchases that normally earn 1 bonus point 
  • 9x total points on eligible Hyatt purchases (5 base points for being a World of Hyatt member, and 4 bonus points)
  • 2x points on dining, airline tickets purchased from airlines, local transit and commuting, and fitness club and gym memberships
  • 1x points on other purchases
  • Automatic World of Hyatt Discoverist elite status 
  • $95 annual fee
  • 15.99%–22.99% variable APR

Pros

  • Welcome bonus worth up to 60,000 bonus points in the first six months

  • Automatic elite status

  • Annual free night on your cardholder anniversary

  • Bonus points on hotel stays and in additional categories

Cons

  • High spending requirement to earn full bonus offer

  • High APR for purchases

  • $95 annual fee

Additional Card Details

The World of Hyatt Credit Card offers quite a few perks that have nothing to do with the World of Hyatt program. You’ll get travel protections like baggage delay insurance, lost luggage reimbursement, and trip cancellation and interruption insurance worth up to $5,000 per person and up to $10,000 per eligible trip. The card also offers purchase protection, which is good for up to $500 per claim and up to $50,000 per account when an item is stolen or damaged within 120 days of the purchase date.

Within the World of Hyatt program, there are also plenty of benefits to enjoy. Automatic Discoverist status grants you perks like room upgrades, expedited check-in, late checkout, complimentary internet access, and more. The World of Hyatt card also boosts your progress toward higher status tiers, with bonus qualifying night credits each year. Finally, you’ll get one free night at any Category 1-4 Hyatt hotel or resort each cardmember anniversary, plus an extra free night if you spend more than $15,000 with your card in a calendar year. Learn more about Hyatt’s hotel categories and redemption values on the World of Hyatt website.

Should You Get the World of Hyatt Credit Card?

If you prefer staying at Hyatt hotel or resort locations while traveling, the World of Hyatt Credit Card can help you unlock elite status and free award nights on future trips. 

Depending on how often you travel, you can quickly make up the $95 annual fee in points rewards, with up to 9x points per $1 on Hyatt stays, plus 2x points in a wide range of categories that include common travel purchases like dining and local transit. 

But the free annual award nights can really go a long way in making this card’s fee worth it. For example, say you want to use your award night to book a room at the MGM Grand in Las Vegas, a Category 4 Hyatt property. The daily rate for a room in September 2021 currently starts at $399 per night, so you’d more than make up the $95 annual fee using your award night on this trip alone.

If you don’t prefer Hyatt locations, or don’t stay in hotels often enough to take full advantage of elite status and other World of Hyatt benefits, consider a more general travel rewards credit card. With a card like the Chase Sapphire Preferred® Card, you can earn points toward future travel with a more flexible rewards program like Chase Ultimate Rewards. On the other hand, if you travel frequently to Hyatt properties, you may consider pairing these two cards. Chase Ultimate Rewards points also transfer to the World of Hyatt program at a 1:1 ratio, so you can boost your value even more with both cards, as long as you make up enough savings to outweigh both annual fees.

How to Use the World of Hyatt Credit Card

To best take advantage of this card’s high-value welcome bonus, consider applying when you’re ready to book an upcoming trip. Once you sign up for the World of Hyatt credit card, you can score the initial 30,000 bonus points by spending $3,000 within three months of account opening. 

Then, you’ll have a few more months to take advantage of additional bonus points rewards, with 2x points on spending outside of regular bonus categories for the first six months (or until you spend $15,000 on these purchases). 

Even if you have a credit card that earns rewards on groceries or utility payments, it may be worth using your World of Hyatt card for all your regular spending during this period to take advantage of the bonus points. It can also be a great option for earning points on any large upcoming purchase you’re planning. Just remember not to rack up a balance higher than you normally would — or that you can’t afford to pay off — just to earn points rewards. You’ll end up paying much more in the long run if you take on debt balances and accrue interest. 

Once you’re ready to redeem your rewards, use the World of Hyatt award chart to get the best redemption value for your next trip. Award nights start at just 5,000 points for a standard room, and the highest level properties (Category 8) require 40,000 points per night for a standard room. You can also use a combination of points and cash to help your points stretch further.

World of Hyatt Credit Card Compared to Other Cards

World of Hyatt Credit Card

World of Hyatt Credit Card

Editor’s Score: (3.975/5)
  • Intro bonus:
    Up to 60,000 Bonus Points
  • Annual fee:
    $95
  • Regular APR:
    15.99% – 22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.
IHG® Rewards Club Premier Credit Card

IHG® Rewards Club Premier Credit Card

Editor’s Score: (4.25/5)
  • Intro bonus:
    150,000 points
  • Annual fee:
    $0 Intro for the First Year, then $89
  • Regular APR:
    15.99% – 22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.
Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Editor’s Score: (4.5/5)
  • Intro bonus:
    100,000 points
  • Annual fee:
    $95
  • Regular APR:
    15.99% – 22.99% Variable
  • Recommended credit:
    670-850 (Good to Excellent)
  • Learn more externa link icon at our partner’s secure site.

Bottom Line

The World of Hyatt Credit Card is an excellent option for Hyatt loyalists, especially if you’re looking to enjoy elite status perks and cash in on free award nights each year. But if Hyatt hotels and resorts aren’t your preferred properties, a more general travel credit card could be a better option for your spending.

Frequently Asked Questions (FAQ)

What credit score do you need for the World of Hyatt Credit Card?

For the best chances of approval for the World of Hyatt Credit Card, you should have a good or excellent credit score (690 or higher).

Is the World of Hyatt Credit Card from Chase?

Yes, Chase issues the World of Hyatt Credit Card.

Does the World of Hyatt Credit Card charge foreign transaction fees?

The World of Hyatt Credit Card doesn’t charge any foreign transaction fees, so it’s a great option for traveling abroad.