World of Hyatt Credit Card
- Best for: Travelers who stay at a Hyatt hotel at least one night a year
- What Sets It Apart: A free night after each card anniversary at a Category 1-4 Hyatt; points NerdWallet values at 1.8 cents each, against 0.4 to 0.8 cents for other major hotel programs
- Cost: $95 annual fee; no foreign transaction fees; 19.49% to 27.99% variable APR
- Features: 4 points per $1 at Hyatt; 2 points per $1 on dining, airfare bought from airlines, local transit and commuting, and gym memberships; Discoverist status; 5 elite night credits a year plus 2 per $5,000 spent; a second free night after $15,000 spent in a calendar year
- Pros: Free night worth at least $108 at Category 2-4 hotels by NerdWallet’s value, more than the $95 fee; resort fees waived on the free night; Discoverist status without 10 nights of stays
- Cons: More than 1,500 Hyatt properties, against 10,000-plus for Marriott; 1 point per $1 on most purchases; free nights not valid at Category 5-8 hotels
Open the World of Hyatt Credit Card if you’ll stay at a Hyatt hotel at least one night a year. The free night it gives you every year can justify the $95 annual fee on its own. If Hyatt has few hotels where you travel, choose a Marriott or Hilton card instead.
Chase issues the card for Hyatt guests. Hyatt charges few enough points for a night’s stay that NerdWallet values each point at 1.8 cents, against 0.4 to 0.8 cents for Marriott, Hilton, IHG, Wyndham, and Choice points.
Key Features
- $95 annual fee, a 19.49% to 27.99% variable APR (annual percentage rate), and no foreign transaction fees
- A free night after each card anniversary at a Category 1-4 hotel, the four cheapest of Hyatt’s eight hotel award categories, plus a second after $15,000 spent in a calendar year
- 4 points per $1 at Hyatt and 2 per $1 on dining, airfare bought from airlines, local transit and commuting, and gym memberships
- Discoverist status, Hyatt’s entry elite tier, and 5 elite night credits a year toward higher status, plus 2 per $5,000 spent
- 30,000 bonus points after $3,000 in purchases in the first 3 months, plus double points on up to $15,000 of other purchases in the first 6 months
Pros
- A free night worth more than the $95 fee at any Category 2-4 hotel, where a standard room costs at least 6,000 points a night, worth $108 at NerdWallet’s 1.8 cents a point
- Discoverist status without the 10 nights it normally takes, with 10% bonus points on stays and 2 p.m. late checkout on request at participating hotels
- Resort fees waived on the free night, except at Hyatt Residence Club resorts
Cons
- More than 1,500 Hyatt properties, a fraction of Hilton’s 9,400-plus and Marriott’s 10,000-plus
- Only 1 point per $1 outside Hyatt and the 2-point categories
- Free nights not valid at Category 5-8 hotels, all-inclusive resorts, or Miraval wellness resorts
- Explorist, the next tier at 30 nights, out of reach on card spending alone below $65,000 a year, by our math
If you’ll stay at a Hyatt once a year, get the card and save the free night for a Category 4 hotel, the top category it covers. Business owners whose staff stay at Hyatt should look at the World of Hyatt Business Card instead.
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