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Is the worth its annual fee? We'll get straight to the point: as long as you'd otherwise stay at a Hyatt hotel at least one night per year (and that hotel would cost you or more, than that stay alone justifies the annual fee.
It's all thanks to a delightful benefit on the card that gives you a free night award every year at a . Pretty swell perk considering its annual fee, eh?
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But that's not all. Even if you're not sold on that single perk, here are a few other ways to justify the annual fee on Hyatt's credit card:
Within just a few months of holding the card, you could already have a trove of points worth enough to book multiple free award stays at a Hyatt hotel. That's because the offers a two-tiered sign-up bonus: .
You won’t be eligible to earn these bonus points if you’ve received a welcome bonus from any Hyatt card in the last 24 months.
Because award nights in the World of Hyatt program start , this welcome bonus could get you multiple free award nights.
You'll automatically receive one free Hyatt award night by holding this card every year after your cardmember anniversary. And, there's potential to earn a second free night too.
The card does earn 2 points per dollar on dining at restaurants, cafes and coffee shops; airline tickets purchased through the airline; fitness club and gym memberships; and local transit and commuting including rideshare services, so it could be smart to charge those purchases to the Hyatt card if you don't already have a higher-earning rewards card. But consider whether you'll really spend $15,000 annually on travel, dining and gyms.
There are three tiers of beyond their entry-level Member designation: Discoverist, Explorist and Globalist. New cardholders will automatically climb to Discoverist status, which is Hyatt's lowest tier beyond the entry-level, free-to-earn Member tier. Earning Discoverist status usually requires 10 tier-qualifying nights or 25,000 base points per calendar year to achieve.
Discoverist perks aren't spectacular (there's not even a free coffee or muffin throw in for breakfast aside from at a small handful of properties). But, you might find value in some benefits, which include:
The card does serve big-time value for spending at Hyatt properties. You'll earn a combined 9 bonus points per $1 spent (that’s 4x points as a cardholder and 5x points as a World of Hyatt member). on most purchases at Hyatt properties.
For your non-Hyatt spending, you'll earn 2 bonus points per $1 spent for:
You'll earn 1 bonus point per $1 spent for all other purchases made with your card.
The comes with some other good perks, including no foreign transaction fees, purchase protection, extended warranty protection and zero liability protection.
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If you’re a fan of staying at Hyatt hotels and resorts, the Hyatt credit card is easily worth it. Sure, Discoverist status is decidedly meh. And you won't earn a great points rate on general spending rewards. But that's not why you're holding this card. You're holding it for that eye-popping intro offer, the high earning rate on actual Hyatt stays and — perhaps most importantly — that free night certificate.
One more note: these credit card rewards come in the form of World of Hyatt points, so they’re most valuable when used to stay at Hyatt hotels. (There are so you can use your points on other purchases such as airfare, but they're generally a bad deal). What's more, Hyatt is relatively small compared to competitors like Marriott and Hilton, so if your adventures typically take you to places without World of Hyatt properties, it may be a better option to rack up points with a .
However, when you factor in that the annual award night alone offsets the annual fee, even if you stay with Hyatt only once a year, owning the is worth it.
You want a travel credit card that prioritizes what’s important to you. Here are our picks for the , including those best for: