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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
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

4.5/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

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 several hotel nights (assuming you redeem your points for standard rooms). 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.

On Chase's Secure Website

The World Of Hyatt Credit Card

On Chase's Secure Website
25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn 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
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.
  • Free nights start at 5,000 points
  • Receive 1 free night at any Category 1-4 Hyatt hotel or resort after your Cardmember anniversary
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Elite status and 5 qualifying night credits every year as long as your account is open
  • Earn 2 qualifying night credits towards tier status everytime you spend $5,000 on your card
  • Earn 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn 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
Annual Fee
$95
Regular APR
18.24% - 25.24% Variable
Credit Needed
{"onCurrent":true,"message":"There are various types of credit scores. Each creditor uses a variety of different types of credit scores to make lending decisions."}
Excellent/Good
Editor's Rating
{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

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

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.

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 $2,000 on the card in the first three months of card membership. 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 (2 points per dollar multiplied by the 1.25 bonus when redeeming for travel on the Chase portal) 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.

Comments and Questions

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Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).