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The information related to The World of Hyatt Credit Card has been collected by The Ascent and has not been reviewed or provided by the issuer.
For those who enjoy staying at Hyatt hotels, The World of Hyatt Credit Card provides a fast track to free nights. This credit card, offered by Chase and Hyatt, includes a sign-up bonus, high rewards rates on a variety of purchases, and a free night award. With those perks, it's no surprise that there's an annual fee. Find out if you should apply or if you're better off checking out other credit cards in our The World of Hyatt Credit Card review.
The World of Hyatt Credit Card
Good/Excellent (670-850)
Intro APR N/A
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.49% - 28.49% variable
Rewards Earn up to 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
Up to 9 points total per $1 spent at Hyatt
Annual Fee N/A
$95
Welcome Offer Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Earn up to 60,000 Bonus Points
The annual fee is well justified for even occasional Hyatt hotel customers, given the card's big welcome offer, annual free night, and points program.
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
Offer | Our Rating | Welcome Offer | Rewards Program | APR | Learn More |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Discover will match all the cash back you've earned at the end of your first year. N/A | 1% - 5% Cashback Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically. |
Intro: Purchases: 0%, 15 months Balance Transfers: 0%, 15 months Regular: 18.24% - 28.24% Variable APR |
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Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
Up to $300 cash back Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases. | 1.5% - 5% cash back Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases |
Intro: 0% Intro APR on Purchases and Balance Transfers for 15 months Purchases: 0% Intro APR on Purchases, 15 months Balance Transfers: 0% Intro APR on Balance Transfers, 15 months Regular: 20.49% - 29.24% Variable |
Apply Now for Chase Freedom Unlimited®
On Chase's Secure Website. |
|
Rating image, 5.00 out of 5 stars.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best = Excellent = Good = Fair = Poor |
75,000 Miles 75,000 Miles once you spend $4,000 on purchases within 3 months from account opening | 2X-5X miles Earn unlimited 2X miles on every purchase, every day. Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. |
Intro: Purchases: N/A Balance Transfers: N/A Regular: 19.99% - 29.99% (Variable) |
This credit card is a good fit for: People who stay at Hyatt properties and want to get free nights (as well as other valuable benefits) at the hotel chain.
The World of Hyatt Credit Card has valuable benefits for frequent guests.
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
It's a more complicated welcome offer than what most hotel credit cards have, and it requires a lot of spending. Still, this is one of the more valuable sign-up bonuses from a hotel credit card.
SEE MORE: Best Credit Card Sign-Up Bonuses
The World of Hyatt Credit Card earns:
World of Hyatt members earn 5 points per $1 on Hyatt purchases. You can combine that rate with the 4 points per $1 offered by this card to earn an impressive 9 points per $1 on all your Hyatt spending.
You get one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary. In addition, you can get another free night if you spend $15,000 during your cardmember anniversary year.
Free night awards are one of the most valuable perks the best hotel credit cards offer. Most Hyatt hotels cost at least $95 per night, so this benefit alone makes up for the card's annual fee. If you use it at an expensive hotel, it could save you $300 or $400. And if you spend enough on this Hyatt credit card, you can get another free night every year.
The World of Hyatt Credit Card includes World of Hyatt Discoverist status, the first elite status tier in the hotel's loyalty program. Perks of this status tier include:
You'll also receive five qualifying night credits every year and another two qualifying night credits every time you spend $5,000 with your card. Those credits make it easier to progress to higher status tiers.
Like just about any of the best travel rewards cards, The World of Hyatt Credit Card doesn't charge an extra fee for foreign transactions.
If you use this card for travel or shopping purchases, it offers several helpful protections. Here are the protections that apply to eligible purchases:
There are a couple drawbacks to note about this hotel card.
To earn the full 60,000-point sign-up bonus, you need to spend $3,000 in the first three months and $15,000 in the first six months. Those are both doable, especially if you plan to put most of your purchases on your Hyatt credit card. But it's more spending than many of the top credit cards require.
The World of Hyatt Credit Card costs $95 per year. That's something to consider before applying, but the card provides well over $95 in annual value if you can use its benefits.
The free night benefit at a Category 1-4 Hyatt hotel or resort can easily save you hundreds of dollars. There's also this card's rewards rate, complimentary World of Hyatt Discoverist status, and the opportunity to earn another free night by spending $15,000 per year. All those perks more than justify the annual fee, assuming you can use them. If not, check out more credit card reviews to find a better fit.
Hyatt certainly isn't a small hotel chain, but it doesn't have nearly the footprint of certain competitors. It has over 900 properties, whereas IHG® and Hilton have over 6,000, and Marriott International has well over 7,000. You won't have nearly as many places where you can redeem Hyatt points compared to points from one of those other hotels.
Compare credit card rewards, fees, APRs, and more using our side-by-side comparison tool.
A FICO® Score of at least 670 is recommended to apply for The World of Hyatt Credit Card. It's aimed at consumers with good credit, and while you could be approved with a lower score, it's less likely.
In addition to your credit score, another factor that can determine whether you're approved is the number of credit cards you've opened in the last 24 months. This is a cobranded credit card offered by Chase and Hyatt. Chase usually denies applicants who have opened five or more credit cards within that time frame.
LEARN MORE: A Guide to Chase's 5/24 Rule
The World of Hyatt Credit Card is a must-have for anyone who stays at Hyatt hotels on a regular basis. It will earn you bonus points on all your Hyatt purchases. It charges an affordable annual fee, and its free night alone should mean you come out ahead. There's a lot to like about this card and no major drawbacks. If you are a Hyatt fan, The World of Hyatt Credit Card will improve your stays and save you quite a bit of money.
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
The minimum starting credit limit for The World of Hyatt Credit Card is $5,000. Your credit limit is based on your credit worthiness, and some cardholders have reported limits of over $25,000.
No, The World of Hyatt Credit Card isn't a metal credit card. It's made of plastic.
Chase issues The World of Hyatt Credit Card.
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