Is the World of Hyatt Credit Card Worth Its Annual Fee?

World of Hyatt may be one of the smaller hotel rewards program, but its co-branded card packs in a lot of value.

Christie OlsenOct 6, 2020
Is the World of Hyatt Credit Card worth its annual fee?
Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

The World of Hyatt Credit Card has great benefits for travelers who enjoy staying with Hyatt, but is it worth the $95 annual fee? Whether you’re looking to earn points, quickly build your Hyatt status or simply make your next vacation a bit more affordable, this sleek silver card could be a great choice. Here’s a look at the card benefits to help you decide if it deserves your attention.

Welcome bonus

The World of Hyatt Credit Card offers a two-tiered sign-up bonus: 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. 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 as low as 5,000 points per night, this welcome bonus could get you up to 10 award nights.

Free night awards

  • One free night every year: One of the best benefits of this card is the free annual award night. Every year, starting on your first cardmember anniversary, you will automatically receive a free night stay at a Category 4 or lower Hyatt property.

  • One additional free night: Earn a second free night at a Category 4 or lower Hyatt property after spending $15,000 in an anniversary year.

Automatic elite status

There are three tiers of Hyatt elite status beyond their entry-level Member designation: Discoverist, Explorist and Globalist. New cardholders will automatically climb to Discoverist status, which usually requires 10 tier-qualifying nights or 25,000 base points per calendar year to achieve.

Discoverists will enjoy the following benefits at participating hotels and resorts:

  • Earn 10% bonus points on eligible purchases.

  • Preferred room upgrade at time of check-in (when available).

  • Complimentary premium in-room internet access.

  • Elite check-in area at participating properties.

  • 2 p.m. late checkout (when available).

  • Complimentary bottled water daily.

  • Waived resort fees on free night awards at participating properties.

  • Save up to 10% with Member Rates at participating locations.

  • Receive Pearl status with M life Rewards, the loyalty program of MGM Resorts International.

  • Complimentary continental breakfast for two at Small Luxury Hotels.

Earning points

Racking up points is easy when you use your card to pay for Hyatt stays.

Earn 9 bonus points per $1 spent for:

  • Hyatt stays and experiences, including at participating restaurants and spas (that’s 4x points as a cardholder and 5x points as a World of Hyatt member).

Earn 2 bonus points per $1 spent for:

  • Local transit, commuting and ride-sharing.

  • Dining out at restaurants, cafes and coffee shops.

  • Flights purchased directly from the airline.

  • Fitness club or gym membership.

Earn 1 bonus point per $1 spent for:

  • All other purchases made with your card.

Additional benefits

The World of Hyatt Credit Card comes with some other good perks, including no foreign transaction fees, purchase protection, extended warranty protection and zero liability protection.

Do the perks outweigh the annual fee?

If you’re a fan of staying at Hyatt hotels and resorts, the answer is yes. The rewards come in the form of World of Hyatt points, so they’re most valuable when used to stay at Hyatt hotels. This hotel group 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 general travel rewards credit card.

However, when you factor in that the annual award night alone offsets the $95 annual fee, even if you stay with Hyatt only once a year, owning the World of Hyatt Credit Card is worth it.

How to Maximize Your Rewards

You want a travel credit card that prioritizes what’s important to you. Here are our picks for the best travel credit cards of 2021, including those best for: