World of Hyatt Credit score Card overview
With a rewarding loyalty program and beneficiant card advantages, the World of Hyatt Credit score Card (see charges and charges) is likely one of the high lodge playing cards in the marketplace. Hyatt followers will admire this card’s annual free evening award and bonus earnings at Hyatt. Hyatt factors are essentially the most helpful lodge factors; free nights begin at solely 3,500 factors. Card score*: ⭐⭐⭐⭐
*Card score is predicated on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
World of Hyatt‘s implausible redemptions and strong elite advantages make it certainly one of our favourite loyalty applications at TPG.
The World of Hyatt Credit score Card lacks the premium perks of top-tier lodge playing cards, nevertheless it gives an inexpensive $95 annual price in trade.
We advocate a credit score rating of at the least 670 to boost your possibilities of approval.
In case you’re a Hyatt fan or keep at Hyatt properties at the least every year, this card is likely to be value contemplating. Let’s dive deeper into its options and advantages.
World of Hyatt execs and cons
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World of Hyatt Credit score Card welcome supply
The World of Hyatt card at present gives new cardholders the flexibility to earn as much as 60,000 factors and as much as 15 qualifying nights towards standing:
- Earn 30,000 bonus factors after spending $3,000 on purchases within the first three months from account opening and as much as 30,000 extra bonus factors by incomes 2 bonus factors complete per $1 spent within the first six months from account opening on as much as $15,000 spent.
- Earn 2 complete tier-qualifying evening credit towards standing for every eligible Hyatt keep from 10/16/2025 to 1/31/2026, on as much as 15 nights.
TPG’s October 2025 valuations peg Hyatt factors at 1.7 cents every, making the factors on this supply value as much as $1,020. The tier-qualifying evening credit should not quantifiable, however when you handle to remain the complete 15 nights, you’d rack up sufficient nights to qualify for Explorist standing.
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This supply undoubtedly has attraction, particularly to anybody inside arm’s attain of a sure standing stage with Hyatt. Nevertheless, we have seen increased welcome bonuses up to now. We nonetheless advocate making use of now you probably have a use for this supply’s factors in thoughts and wish the tier-qualifying evening credit.
As all the time, be aware the restrictions: You will not be eligible to earn these bonus factors when you’ve earned a welcome bonus on a Hyatt card inside the previous 24 months. Second, since this can be a Chase card, it is topic to the issuer’s 5/24 rule.
Associated: The best way to maximize World of Hyatt redemptions
World of Hyatt Credit score Card advantages
The World of Hyatt Credit score Card comes with some notable perks:
Annual free evening certificates
Maybe the best attraction of the World of Hyatt card is its Class 1-4 annual free evening certificates, which you may obtain each account anniversary. You will additionally obtain a second free evening certificates after spending $15,000 in a calendar 12 months.
You will get some unbelievable worth from this certificates each domestically and overseas. Here is what TPG senior editorial director Nick Ewen has to say about this perk:
I really like incomes Class 1-4 certificates on my World of Hyatt bank card. There are such a lot of nice choices at this award stage, as I’ve used it to remain on the Hyatt Centric Fort Lauderdale and the Andaz Savannah. Nevertheless, I usually look to make use of them throughout high-demand occasions. For instance, I booked the Grand Hyatt Tampa Bay after a Taylor Swift live performance in 2023 when charges had been going for greater than $900 per evening, and my most up-to-date redemption was on the Hyatt Place in Gainesville, Florida on a soccer weekend this fall, the place we prevented paid charges of over $700.
No matter your vacation spot, your free evening certificates alone supplies sufficient worth to justify the $95 annual price. That is why this card is usually a nice match for any frequent traveler, even when you solely stick with Hyatt a couple of times annually.
Associated: The perfect Hyatt Class 4 inns
Elite standing
You will get computerized Discoverist standing just by having the cardboard, which incorporates advantages reminiscent of late checkout, most popular rooms and a ten% factors bonus on eligible purchases. Late checkout is usually a nice perk for vacationers with late flights or those that want to sleep in late earlier than departing.
Past that, you get 5 elite nights deposited to your account annually. You will additionally earn extra nights with spending — two for each $5,000 spent on the cardboard.
By holding this card and spending $15,000 in a 12 months to snag that second Class 1-4 certificates, you may get 11 elite evening credit, practically 20% of the way in which to top-tier Hyatt Globalist standing.
In case you’re a renter, placing your lease on this card could possibly be an effective way to snag an additional free evening certificates and bonus elite nights. Simply needless to say most landlords cost a small bank card processing price, however this can possible be negated by the worth you get from these advantages.
Journey protections
Chase points the World of Hyatt card, so you may obtain most of the journey protections we have come to anticipate from Chase bank cards, together with:
- Baggage delay insurance coverage: Reimburses you for important purchases like toiletries and clothes for luggage delays over six hours by passenger provider as much as $100 a day for 5 days.
- Misplaced baggage reimbursement: In case you or a right away member of the family’s checked or carry-on baggage is broken or misplaced by the provider, you are coated as much as $3,000 per passenger.
- Journey interruption and journey cancellation insurance coverage: In case your journey is canceled or reduce quick by illness, extreme climate and different coated conditions, you will be reimbursed as much as $5,000 per traveler and $10,000 per journey in your pay as you go, nonrefundable journey bills, together with passenger fares, excursions and inns.
- Auto rental collision injury waiver: Protection is offered for theft and collision injury for many vehicles within the U.S. and overseas. Within the U.S., protection is secondary to your private insurance coverage.
These protections aren’t as in depth as these you’d obtain with a premium journey card, however that is to be anticipated contemplating this card carries an inexpensive annual price.
Associated: Is the World of Hyatt Credit score Card definitely worth the annual price?
Incomes factors on the World of Hyatt Credit score Card
Cardholders will earn on the following charges:
Few playing cards supply bonus-earning on gymnasium memberships, so health lovers could need to use this card to assist them fund their subsequent Hyatt keep. This card’s Hyatt bonus class will be stacked with the factors you may earn as a Hyatt rewards member.
The Discoverist standing that comes with this card gives 5 factors per greenback spent at eligible Hyatt properties, that means you possibly can earn as much as 9 factors per greenback spent at Hyatt together with your card.
That stated, we do not advocate this card for eating or common journey. The Chase Sapphire Most well-liked® Card (see charges and charges) and the Chase Sapphire Reserve® (see charges and charges) are higher choices to think about for these classes.
The factors these two playing cards earn will be transferred to Hyatt.
Associated: The perfect bank cards for common journey purchases
Redeeming factors on the World of Hyatt Credit score Card
By far, the very best use of Hyatt factors is for award nights. Redemptions for normal rooms begin at 3,500 factors for an off-peak evening at a Class 1 property and go as excessive as 45,000 factors for peak dates at a Class 8 property.
TPG bank cards author Chris Nelson acquired excellent worth by redeeming three nights throughout peak season over a busy summer season weekend on the Story Resort Riddargatan in Stockholm for simply 12,000 factors.
Hyatt additionally gives Factors and Money awards, which let you pay half the conventional factors worth and half the usual money fee.
Moreover, you possibly can improve paid stays with factors. Redeeming factors free of charge nights tends to be a greater deal, however upgrading paid stays will be value it and will not bankrupt your level reserves.
It’s also possible to switch factors to a number of airline companions, however we do not advocate this because the switch ratio is 2.5:1. Hyatt additionally permits you to redeem factors for eating, spa visits and different experiences, however you may get higher worth utilizing factors for lodge rooms.
Associated: The best way to redeem factors with the World of Hyatt program
Which playing cards compete with the World of Hyatt Credit score Card?
In case you don’t remain at Hyatt properties sufficient to get good worth from the World of Hyatt Credit score Card, certainly one of these is likely to be a greater match:
For added choices, please see our listing of the finest lodge rewards bank cards and finest journey bank cards.
Associated: The perfect bank cards for Hyatt stays
Backside line
Hyatt followers ought to undoubtedly take into account the World of Hyatt card. Whereas it could’t present top-tier elite standing or assertion credit, it gives a helpful free evening certificates and the possibility to earn quite a few elite evening credit.
The free evening certificates alone can justify this card’s $95 annual price, so it ought to be simple for many vacationers to pay it. Even when you solely stick with Hyatt a couple of times annually, take the time to think about whether or not this card can nonetheless empower your award journey.
Apply right here: World of Hyatt Credit score Card