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The World of Hyatt Credit Card Review: Is It Worth Applying For?

The World of Hyatt Credit Card Review: Is It Worth Applying For?

A great card all-around, but it's at its best when used by Hyatt loyalists.
Editor's Rating: 4.5/5.0

Editor's Rating

4.5/5.0

The World Of Hyatt Credit Card has quickly become one of the best hotel cards that's available due to its outstanding rewards. While the card does come with a $95 annual fee, paying the fee will be well worth it for most cardholders. Keep in mind that The World Of Hyatt Credit Card is best for frequent Hyatt guests. If that doesn't describe you, consider a top travel card or hotel card instead.

The World Of Hyatt Credit Card: One of the Best Sign-Up Offers

The World Of Hyatt Credit Card has one of the best credit card sign-up bonus offers currently available. Provided you meet the $6,000 spending requirement, you'll essentially be gifted up to a dozen hotel nights (assuming you redeem your points for standard rooms). Let's say you book economical rooms (about $100 per night). In this scenario, the sign-up bonus alone could be worth well over $1,000. This is an amazing offer when you consider that other top hotel cards have bonuses that range in value from $400 to $700. Even if you don't get the signing bonus, the card will pay for itself, as long as you use the one free night per year that the card provides. Free night rewards are not only rare; they are among the best perks a card can have.

Earning points with The World Of Hyatt Credit Card will typically yield better rewards than earning points with most other cards, including top hotel and travel cards. That's because the Hyatt points you'll earn for every purchase are currently some of the most valuable around. We value each Hyatt point at 1.8 cents. As a frame of reference, the value of most other points is typically between 1 and 1.3 cents.

So, what are the downsides to the card? Well, the biggest one is that Hyatt doesn't have as many properties as other hotel brands. For instance, according to the Hyatt site, there are only three Hyatt properties located in Alabama. This may be a problem if you frequently travel to smaller cities. However, if you only visit large metropolitan areas, there should always be a Hyatt available wherever you go.

Bottom Line: Overall, The World Of Hyatt Credit Card is an excellent credit card choice for most people. That said, it's at its best when used by people who frequently stay at Hyatt properties since they'll get to enjoy status perks and earn a higher tier status quickly. If you don't foresee yourself booking a stay at a Hyatt hotel at least once per year, you'll be better off with a different hotel or travel card, like the IHG® Rewards Club Premier Credit Card or the Chase Sapphire Preferred® Card.

The World Of Hyatt Credit Card: Benefits and Features

The World Of Hyatt Credit Card offers cardholders one free night at a Hyatt hotel or resort for every year of card membership. Additionally, they'll receive an additional free night provided they spend at least $15,000 on the card within an anniversary year. It's worth noting that the free night can only be redeemed for hotels or resorts that are category four or lower. The exact value of a free Hyatt hotel or resort night will depend on where and when you use it. Currently, a category four hotel in Arizona can be booked for $200 per night. So, while the value of a free Hyatt night will vary, it can easily exceed $150.

The World Of Hyatt Credit Card
Annual Fee
$95
Purchase APR
17.74% - 24.74% Variable
Credit Needed Excellent/Good
Details
  • Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, 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
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card

On top of free nights, The World Of Hyatt Credit Card offers cardholders points for every purchase. These points can then be redeemed for free hotel nights, starting at 5,000 points. Cardholders earn 4 points for every dollar spent at Hyatt hotels. Furthermore, they earn 2 points for every dollar spent at restaurants and on airline tickets, local transit and gym memberships. All other purchases earn just 1 point per dollar. Keep in mind these are all bonus points on top of the 5 points per dollar you earn for being a World of Hyatt member. Below, we outline the minimum number of points needed to get free hotel nights.

Hotel categoryStandard room points per nightRegency/Grand Club points per nightSuite points per night
15,0007,0008,000
28,00012,00013,000
312,00017,00020,000
415,00021,00024,000
520,00027,00032,000
625,00033,00040,000
730,00039,00048,000

Cardholders are eligible to receive 60,000 bonus points after spending a total of $6,000 on purchases within six months of account opening. You'll get 40,000 bonus points for the first $3,000 and an additional 20,000 bonus points after spending another $3,000 on the card. Provided you use all the bonus points for the "cheapest" free nights available (5,000 points), the bonus could be worth as much as 12 free hotel nights at category one hotels. Currently, the card comes with a $95 annual fee.

Earning Hyatt Elite Status With The World Of Hyatt Credit Card

The World Of Hyatt Credit Card grants cardholders the lowest of the three tiers of elite status, Discoverist status. Cardholders get various perks, including complimentary internet access, late checkout options and free bottled water. However, the best perk is that you'll be able to get a 10% bonus on any points earned during your stay. This will make it substantially easier for you to earn a higher level of elite status. Assuming you didn't have The World Of Hyatt Credit Card, you'd have to spend a minimum of 10 tier-qualifying nights at a Hyatt hotel or earn 25,000 points to receive Discoverist status.

What If I'm Already a Hyatt Cardholder?

If you already have The Hyatt Credit Card, then you can keep the card. However, the card is no longer accepting new applicants. You also have the option to upgrade to The World Of Hyatt Credit Card—in fact, Chase is currently offering 2,000 bonus points to cardholders who make the change. While the annual fee is $20 higher on The World Of Hyatt Credit Card, its perks more than offset the difference in price.

Just be aware that if you earned a sign-up bonus for The Hyatt Credit Card in the past 24 months, you won't be eligible to get the sign-up bonus on The World Of Hyatt Credit Card.

How Does The World Of Hyatt Credit Card Stack Up?

The best way to evaluate a card's value is to compare it to similar cards. Below, we outline how The World Of Hyatt Credit Card performs against some of the top competing cards.

The World Of Hyatt Credit Card vs IHG® Rewards Club Premier Credit Card

Between the two cards, the IHG® Rewards Club Premier Credit Card is best for cardholders who would have trouble meeting the $6,000 spending requirement on The World Of Hyatt Credit Card's sign-up bonus. That's because the IHG® Rewards Club Premier Credit Card has an impressive sign-up bonus that only requires that you spend $3,000 on the card in the first three months of card membership. While the IHG® Rewards Club Premier Credit Card offers 100,000 points (versus the 60,000 offered by The World Of Hyatt Credit Card), each point is only worth a little over half a cent. As you'll recall, we currently value Hyatt points at 1.8 cents per point. The World Of Hyatt Credit Card will be the better card for most people in the long term, but the IHG® Rewards Club Premier Credit Card is a great alternative for low spenders.

Consider this card if …

  • You spend less than $2,000 per month on your credit card.
  • You prefer IHG-branded hotels over Hyatt.

The World Of Hyatt Credit Card vs Chase Sapphire Preferred® Card

Travelers who book nights with several hotel chains should opt for the Chase Sapphire Preferred® Card over The World Of Hyatt Credit Card. That's because the excellent 2.5% rewards rate on the Chase Sapphire Preferred® Card for travel purchases will be greater than that of The World Of Hyatt Credit Card on non-Hyatt hotel stays. The Chase Sapphire Preferred® Card awards cardholders Ultimate Rewards points, which can be transferred to several hotel and airline partners, including World of Hyatt, Marriott Rewards and Southwest Airlines. Both cards are among the best in their respective categories, but the Chase Sapphire Preferred® Card is the better choice for those who aren't particularly loyal to a specific brand. Keep in mind that the Chase Sapphire Preferred® Card won't earn you status at hotels or grant any of the perks that come along with it.

Consider this card if …

  • You're not loyal to a particular hotel brand.

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How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.