World of Hyatt Credit Card Overview
With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card is one of the top hotel cards on the market. Cardholders earn 4 points per dollar on all Hyatt spends, and you’ll earn a free Category 1-4 night award each year when you keep the card with another when you spend $15,000 in a calendar year. Hyatt hotel points are very valuable, and free nights start at just 3,500 points. Card Rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG editors and is not influenced by the card issuer.
Because of its strong redemption opportunities and great rewards, World of Hyatt is one of our favorite loyalty programs at TPG.
The World of Hyatt Credit Card doesn’t have the heavy perks you’ll find with top hotel cards, but its benefits are significant enough to easily justify the $95 annual fee.
The recommended score for this card is over 670.
But does it deserve a place in your wallet? Let’s get into the details below.
The world of Hyatt good and bad
| Benefits | Evil |
|---|---|
|
|
World of Hyatt Credit Card welcome offer
The World of Hyatt card currently offers new cardholders the ability to earn up to 65,000 bonus points: 35,000 bonus points after spending $3,000 in purchases in the first three months, and up to 30,000 bonus points for earning 2 total points $1 spent. in the first six months from account opening purchases typically earn 1 bonus point, up to $15,000 spent.
TPG pricing estimates for January 2024 pegged Hyatt points at 1.7 cents each, making the offer worth $1,105.
As always, be aware of the limitations: You won’t be eligible to earn those bonus points if you received a sign-up bonus on a Hyatt card within the last 24 months. And since this is a Chase card, it’s subject to the famous 5/24 rule. You’ll want to make sure you qualify for the card and its bonus before applying.
Daily Newsletter
Reward your inbox with the TPG Daily newsletter
Join over 700,000 readers for the best news, in-depth guides and exclusive deals from TPG experts
Related: How to maximize World of Hyatt redemptions
Benefits of the World of Hyatt Credit Card
The World of Hyatt Credit Card comes with other notable benefits:
Free one year free certificate
The best ongoing benefit from the World of Hyatt card is a free annual certificate at a Tier 1-4 Hyatt location, which you will receive for all account years. You’ll get a second free night after spending $15,000 in a calendar year.
You can get incredible value from this certificate inside and out. Here’s what TPG senior planning director Nick Ewen had to say about it:
I would like to earn Tier 1-4 certificates on my World of Hyatt credit card. There are so many great options at this award level, as I’ve used it for stays at the Hyatt Centric Fort Lauderdale, Andaz Savannah and even the Grand Hyatt Tampa Bay after a Taylor Swift concert – where the rates were over $900 a night! But the place I usually use these certificates is the Hyatt Regency Orlando Airport. If I have an early morning flight (or a late night arrival) with my family, it’s great to have a place to stay right in the terminal.
Regardless of where you go, your free night certificate alone provides enough value to justify the $95 annual fee.
Related: Hyatt’s Best Tier 4 Hotels
Elite status
You’ll get automatic Discoverist status by having the card, which includes benefits like late check-out, preferred rooms and 10% bonus points on qualifying purchases. The late checkout benefit is invaluable to me, especially if I have an evening flight and want to freshen up beforehand.
Plus, you get five elite nights credited to your account each year, and you’ll earn extra nights for spending — two for every $5,000 spent on the card. In other words, by holding the card and spending $15,000 a year to earn that second Tier 1-4 certificate, you’ll get 11 credit nights — about 20% of the way to the top Hyatt Globalist tier.
Travel protections
Chase issues the World of Hyatt card, so you’ll get many of the travel protections we’ve come to expect from Chase credit cards, including:
- Baggage delay insurance: It pays for essential purchases such as toiletries and clothing for six-hour baggage delays up to $100 per day for five days.
- Refund of lost luggage: If you or an immediate family member checks or your baggage is damaged or abandoned by the carrier, you are covered up to $3,000 per passenger.
- Trip interruption and trip cancellation insurance: If your trip is canceled or shortened by illness, inclement weather and other covered circumstances, you can be reimbursed up to $5,000 per person and $10,000 per trip for your prepaid, non-refundable travel expenses, including passenger fares, tours and hotels.
- Waiver of automatic employment collision damages: Theft and collision assistance is provided for many vehicles in the US and internationally. In the US, coverage is secondary to your personal insurance.
Again, this list of benefits isn’t as extensive as other premium hotel cards, but it offers more value than the card’s $95 annual fee.
Related: Is the World of Hyatt Credit Card worth the annual fee?
Earn points on the World of Hyatt Credit Card
Cardholders will earn 4 points per dollar on purchases at all Hyatt properties, 2 points per dollar on dining and direct flights, local and commuter transportation (including ferry services) and gym membership purchases, and 1 point per dollar on everything else you buy. .
Earning 4 points per dollar on Hyatt stays is more than you’ll earn with any other card, and it’s worth noting that you’ll earn an additional 5 points per dollar on Hyatt purchases as a Discoverist member of the World of Hyatt program, making this category a bargain especially. Also, this is one of only a few cards that earn bonus points on gym membership purchases.
However, you’ll be better off using the Chase Sapphire Preferred® Card or Chase Sapphire Reserve® for your dining and casual travel purchases. You’ll earn more bonus points to transfer to Hyatt or any of Chase’s 14 other airline and hotel partners.
Related: The best credit cards for general travel purchases
Uses points on the World of Hyatt Credit Card
By far, the best use of Hyatt points is on award nights. Standard room rates start at 3,500 points on off-peak nights in a Category 1 area and go up to 45,000 points on peak days in a Category 8 area.
TPG credit card writer Chris Nelson got the best value by spending three nights during peak season on a busy summer weekend at the Story Hotel Riddargatan in Stockholm for just 12,000 points.
You also have the option to book Points and Cash awards and pay half the regular points price and half the regular cash rate.
Additionally, you can upgrade paid stays with points. Redeeming points for a free night is often the better deal, but upgrading to a paid stay may be worth it and won’t wipe out your savings.
You can also transfer points to several partner airlines, but the transfer ratio is 2.5:1, which is less than ideal. Hyatt also lets you use points for dining, spa visits and other experiences, but you’re almost always better off using points for hotel rooms.
Related: How to redeem points with the World of Hyatt program
What cards compete with the World of Hyatt Credit Card?
If you don’t stay at Hyatt properties enough to get good value on the World of Hyatt Credit Card, one of these might be a better fit:
For more options, please see our list of the best hotel rewards credit cards and the best travel credit cards.
Related: The best credit cards for Hyatt stays
Bottom line
The World of Hyatt Card is a must-have for Hyatt loyalists as it is the hotel chain’s only personal credit card that accepts enrollment and is the only card that helps you earn higher status within the World of Hyatt program.
You’ll probably get more than enough value from the card to make up for the $95 annual fee you have to pay. And since the card is Visa with no foreign transaction fees, you won’t have a problem using it around the world.
However, if you regularly stay at properties within a different hotel brand or are looking for more flexible rewards, you’ll probably want to go with a different card.
Apply here: World of Hyatt Credit Card
Related: Why I aim to spend $15K on my Hyatt World Credit Card each year
Source link
