Personal Finance
Advertiser Disclosure

World of Hyatt Credit Card Review 2024

Our evaluations and opinions are not influenced by our advertising relationships, but we may earn a commission from our partners’ links. This content is created independently from TIME’s editorial staff. Learn more about it.

Updated April 4, 2024

Getting a hotel-branded credit card has to be worth it to you. If there’s one hotel card that packs a lot of value, it’s the card_name.

card_name

The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Credit score needed
credit_score_needed
Annual fees
annual_fees
Welcome offer
bonus_miles_full
The card_name a top choice for Hyatt loyalists. Cardholders receive a wealth of value and benefits in exchange for a very modest annual fee. The card features several hotel perks, including one free night at any category 1 to 4 Hyatt hotel or resort every year after your card's opening anniversary. You can earn an additional free night based on a annual spending requirement.

TIME’s Take

The card_name is more than worth the annual_fee_disclaimer annual fee when you take into account the annual free night, bonus category earnings, and status perks. It’s a solid card you’ll want to keep, even after you’ve redeemed your sign-up bonus points.

Perhaps even more than the surface-level benefits of the card is how much more you’ll use Hyatt’s loyalty program. When you discover how much farther your points go and how much nicer your accommodations will be, you’ll never go back. Hyatt is one of the best for a reason.

Hyatt points are generally more valuable than those from other hotel chains, but they’re also harder to get. To receive the full 60,000 point sign-up bonus, you need to spend $15,000 in the first six months, which might be a larger spending requirement than some cardholders can handle.

World of Hyatt: pros and cons

ProsCons
Annual free night certificate
$15,000 in spending required to get 60,000 bonus points introductory offer
Valuable redemptions in the World of Hyatt loyalty program
$95 annual fee
Up to 9x bonus points at Hyatt properties; 2x bonus points on dining purchases; 2x bonus points on airfare purchased directly from the airline; 2x bonus points on transit expenses; 2x bonus points on fitness and gym memberships
No cash back on groceries, gas, or other high-spend categories
2x bonus points on everything up to $15,000 in the first six months of account opening
Fewer properties than other, bigger hotel chains
Faster path to Globalist status with five nights credit toward qualifying for status by holding the card and two nights credit for every $5,000 spent on the card
High APR, balance transfer, and cash advance fees
Free DashPass for new card members.
Trip interruption or cancellation insurance, baggage loss reimbursement,
No foreign transaction fees

Who is the card for?

You’ll want this card if you’re interested in high-value redemptions that come with the World of Hyatt loyalty program. The card_name makes it easier to redeem points for hotel stays as well as achieve elite status. Specific groups who may want to consider this card include:

Those who would like to stay at hotels more often. The card offers an introductory bonus up to 60,000 points, as well as a free night every cardmember anniversary and bonus points for spending money with the credit card. These card perks can help you stay at quality Hyatt properties more often.

Award redemption enthusiasts. Hyatt redemptions offer great value, whether it’s a high-end property or a basic airport room. Combining the loyalty program with the credit card offers a way for guests to earn free nights, club access awards, suite upgrade awards, and status (which can get you even more free perks).

Hyatt loyalists. If you’ve found that you like staying at Hyatt hotels, you’ll find a lot of value in the World of Hyatt credit card and loyalty program for free nights, suite upgrade certificates, club access, and status.

To get this card you’ll need good credit, which is equivalent to a score of 670 or greater, according to FICO.

Features

The card_name aims to create fans of the World of Hyatt loyalty program. The more you use it, the more you’ll want to use it and you’ll be rewarded accordingly when you do. Understanding a few of the core benefits of the card can help you get your start.

Free night each cardmember anniversary

Every year, you’ll have a free night award deposited into your loyalty account. You’ll be able to book hotels in categories one through four with a redemption rate of up to 15,000 points.

On the higher end of the scale are some very nice Hyatt properties, but you can also use the free-night certificate for redemptions at lower-category hotels when traveling to a nearby city. Keep in mind that Hyatt hotels in lower categories do not mean you’ll sacrifice quality.

Status perks for a generous loyalty program

Cardmembers are automatically upgraded to “Discoverist” status when approved for the card. Discoverist status allows for a later check-out, free premium internet, American Airlines AAdvantage bonus, 10% bonus points when you pay for stays with cash, preferred room type, and bottled water upon check-in.

With the card, you’re also granted five qualifying nights towards earning the next tier elite status, which means you’ll see more benefits and free stuff when you have status. You also get two qualifying nights for every $5,000 you spend on the card every year. These can help you get closer to the coveted “Globalist” status

Bonus points categories

The bonus points on the credit card go beyond Hyatt purchases (which earn up to nine points for each dollar spent). The Hyatt card also offers 2x bonus points for dining, airfare, transit, and fitness expenses.

Fair sign-up bonus

bonus_miles_full

It’s a fair signup bonus, but it may be hard to achieve for many cardholders.

The fine print

Before you apply for the card_name, keep in mind the interest rates and fees for the card.

Interest rates

  • Regular APR: reg_apr,reg_apr_type.
  • Cash advance APR: cash_advance_fee.
  • Penalty APR: Up to 29.99%.
  • Balance transfer APR: balance_transfer_rate.

Fees

  • Annual membership fee: annual_fees.
  • Balance transfer fee: balance_transfer_fees.
  • Cash advance fee: cash_advance_fee.
  • Foreign transaction fee: foreign_transaction_fee.
  • Late payment fee: late_payment_fee.
  • Return payment: $40.

Additional hidden perks

The card_name has a lot of benefits you’ll find in the fine print. A quick list of these include:

  • Instant access when you add a new card to your digital wallet.
  • No foreign transaction fees.
  • Baggage delay insurance.
  • Lost luggage reimbursement.
  • Trip cancellation/interruption insurance.
  • Additional free night award after $15,000 spent every year.
  • Visa Signature concierge service.
  • Points with Hyatt never expire when you hold the World of Hyatt card.
  • Purchase protection on new purchases up to $500 per item and $50,000 per claim.
  • Theft and collision damage coverage for car rentals.

What could be improved

If there’s one thing we don’t love about the card_name, it’s the sign-up bonus. It’s tiered, so that you only earn 30,000 points after spending $3,000 in the first three months. You need to spend $15,000 in total during the first six months to earn 60,000 bonus points. That’s a pretty high bar for a lot of cardholders.

Card alternatives

Marriott Bonvoy Boundless® credit card
Description
– 9x at Hyatt properties – 2x at restaurants – 2x on flight purchases with airlines – 2x on loan transit and commuting – 2x on everything up to $15,000 in the first six months
–17x at Marriott properties – 3x at gas stations and grocery stores – 3x on dining – 2x on all other purchases
– 12x on Hilton properties – 6x points on dining – 6x points at grocery stores – 6x points at gas stations – 3x points on all other purchases
Welcome offer
bonus_miles_full
100,000 points after spending $3,000 in the first three months
bonus_miles_full
Regular APR
reg_apr,reg_apr_type
21.49% to 28.49% variable
reg_apr,reg_apr_type
Annual fees
annual_fees
$95
annual_fees
Credit score needed
credit_score_needed
Good, Excellent
credit_score_needed

Bottom line

Being able to redeem card_name points for hotel rooms offers a way to enjoy upscale hotels at a low cost. For those that don’t already know how valuable the Hyatt loyalty program is, those credit card points can open the door. For those who do know, adding the card_name can enhance the experiences you’ve already had with more free nights, club access awards, suite upgrades awards, faster ways to earn status, and more.

card_name

The World Of Hyatt Credit Card

The World Of Hyatt Credit Card

Credit score needed
credit_score_needed
Annual fees
annual_fees
Welcome offer
bonus_miles_full
The card_name a top choice for Hyatt loyalists. Cardholders receive a wealth of value and benefits in exchange for a very modest annual fee. The card features several hotel perks, including one free night at any category 1 to 4 Hyatt hotel or resort every year after your card's opening anniversary. You can earn an additional free night based on a annual spending requirement.

Frequently asked questions (FAQs)

What is the minimum credit limit for the card_name?

The minimum credit limit for a card_name is $5,000.

How much is 60,000 World of Hyatt points worth?

How much 60,000 points are worth depends on the value of the redemption. Cardholders regularly redeem points for hotels around 2 cents per point (and sometimes more). Put another way, it’s common to redeem a hotel room that charges a cash price of $600 per night for around 30,000 points per night. Sometimes the redemption value is even better.

How much is 25,000 Hyatt points worth?

You can redeem 25,000 Hyatt points for five nights at a category one property (5,000 points per night). You can also redeem 25,000 points for one night at a category six property (25,000 points per night).

Are World of Hyatt points worth it?

Individuals and families who enjoy staying at Hyatt properties and are loyal to the brand will find Hyatt points offer great value relative to cash prices.

The information presented here is created independently from the TIME editorial staff. To learn more, see our About page.

1.2241.0+1.66.7