Editorial Review

World of Hyatt Card Review: Lavish Benefits, Reasonable Cost

This card's rich rewards and perks, including a free night each anniversary year, make it well worth the annual fee for Hyatt loyalists.

Robin Saks FrankelMay 30, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

Our Take

4.1

NerdWallet rating 

The Bottom Line: If you're a Hyatt fan and you're looking for a fast path to free nights and elite status, this card could be a perfect fit.

The World Of Hyatt Credit Card

on Chase's website

on Chase's website

Annual Fee

$95

Regular APR

18.24% - 25.24% Variable APR

Intro APR

N/A

recommended credit score

Pros & Cons

Pros
  • No foreign transaction fee

Cons
  • Has annual fee

  • High APR

Alternate Pick: Flexible rewards on travel and dining

Chase Sapphire Preferred® Card

Transfer points to multiple partners

Earn an unlimited 2 points back on travel and dining, 1 point back on everything else. Get 25% more value when you redeem for travel through the Chase portal. Bonus: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®. Annual Fee: $95.

Read our review

Compare to Other Cards

Annual Fee

$95

Annual Fee

$0 for the first year, then $95

Annual Fee

$95

Regular APR

18.24% - 25.24% Variable APR

Regular APR

17.99% - 25.24% Variable APR

Regular APR

18.24% - 25.24% Variable APR

Intro APR

N/A

Intro APR

N/A

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

Full Review

Those who hanker for the Hyatt brand when making travel plans will find a lot to love about The World Of Hyatt Credit Card. It's got a big sign-up bonus and a high ongoing rewards rate, plus it grants you elite status.

And if you want free Hyatt nights, this card delivers. Cardholders get an automatic free night certificate each anniversary year, good for a Category 1-4 Hyatt hotel or resort; those who spend enough in a year can even notch a second free night.

The free night benefit alone is enough to outweigh the card's $95 annual fee. The main question is, will there be a Hyatt at your destination? It's a decent-sized chain, but it's not available everywhere and is dwarfed by the Marriotts and Hiltons of the world.

The World Of Hyatt Credit Card: Basics and benefits

Card type: Hotel.

Annual fee: $95.

Sign-up bonus: Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening.

Ongoing rewards:

  • 9 points total for Hyatt stays and experiences — 4 bonus points per $1 spent with your card at Hyatt hotels, including participating restaurants and spas, plus 5 base points per $1 you can earn as a World of Hyatt member.

  • 2 points per dollar spent 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.

  • 1 point per dollar spent on all other purchases.

  • Hyatt points are worth 1.7 cents apiece, on average, based on NerdWallet valuations.

Foreign transaction fee: None.

APR: The ongoing APR is 18.24% - 25.24% Variable APR.

Other benefits:

  • One free night each card anniversary year at a Category 1-4 Hyatt hotel or resort. (Categories range from 1 to 7.)

  • An additional free night at a Category 1-4 Hyatt hotel or resort after spending $15,000 in an anniversary year.

  • Automatic elite status: Your card grants you Discoverist status, which includes a 10% bonus on eligible purchases. It also can include expedited check-in, room upgrades and late checkout when available. Plus, you’ll get an accelerated path to the next elite status tier (Explorist): You’ll receive five qualifying night credits toward your next tier status every year, and you'll earn two qualifying night credits toward your next tier status after every $5,000 spent on the card.

The World Of Hyatt Credit Card offers richer rewards and perks than did its previous incarnation, The Hyatt Credit Card, which is no longer accepting applications. If you have that older version, you can request an upgrade by phone to The World Of Hyatt Credit Card. Use the calculator below to see whether making the change is worthwhile for you.

Where The World Of Hyatt Credit Card shines

Free nights aplenty: Let's start with the card's valuable sign-up bonus: Earn 25,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, 25,000 Bonus Points after you spend $6,000 total within 6 months of account opening. Properties under the Hyatt umbrella include the Park Hyatt, Miraval, Andaz and Hyatt Place. So depending on how you choose to carve up that points cache, you could be looking at as many as 12 free nights at a Category 1 hotel of your choosing, or living the high life with a two-night stay at a swanky Category 7 property. And that's on top of the free annual night that comes with The World Of Hyatt Credit Card. Spend enough and you can notch a second free night.

Rich ongoing rewards on everyday spending: Using The World Of Hyatt Credit Card will net you 9 points per dollar spent on Hyatt hotels and resorts, including participating restaurants and spas. That's because the card itself will earn you 4 points per dollar spent at Hyatt properties, plus you'll earn an additional 5 points per dollar on eligible Hyatt expenditures just by being a World of Hyatt member. You'll also earn bonus rewards in everyday spending categories, including commuting, dining out, working out and more. And points are worth a whopping 1.7 cents a piece, which is a good deal higher than the traditional standard of 1 cent each (many current hotel programs offer substantially less than a penny of value per point).

Automatic elite status: Simply being a member of the World of Hyatt program comes with perks that include up to 10% off the rack rate at participating hotels and a free night award at a Category 1-5 hotel after staying at five different Hyatt brands. But The World Of Hyatt Credit Card gives you a further boost up the membership ladder to elite status, which offers:

  • A 10% bonus in points on qualifying purchases.

  • An upgrade to a preferred room based on availability.

  • Expedited check-in and, when available, late 2 p.m. checkout.

  • Waived resort fees on free night awards.

Without The World Of Hyatt Credit Card, you'd need to earn 25,000 base points or stay 10 qualifying nights each calendar year to reach elite status. (You could also hold three qualifying meetings/events in a calendar year.)

The card also gives you an accelerated path to Explorist status, which comes with even more perks.

The World Of Hyatt Credit Card: Pitfalls and other possibilities

Limited property footprint: Although Hyatt is a relatively large hotel chain, that doesn't mean there's one where you want to go — and if your travel inclinations take you somewhere that a Hyatt isn't, it doesn't matter how many free nights you have saved up. Traveling to Iceland, Scotland or Portugal? All the Hyatt points in the world won't earn you a free night's stay in those countries. Some U.S. states don't have any Hyatt-owned spots; others have only a handful that may not be near your destination. If you're willing to stray from the Hyatt brand and are looking for a hotel chain that's virtually ubiquitous, consider the Marriott Bonvoy Boundless™ Credit Card. That card has an annual fee of $95, but it, too, offers a free night award every year after your account anniversary.

Somewhat complex rewards categories: The World Of Hyatt Credit Card rewards you handsomely for Hyatt stays, but you may find its other reward tiers difficult to keep track of or take advantage of. For example, you get 2 points back for airline tickets, but only if purchased directly through the airline. And if you're not a health nut, the 2 points back on fitness club and gym memberships may not do much for you. You might fare better with a general travel card that earns a flat rate back on everything and lets you use your rewards for multiple forms of travel. For example, the Capital One® Venture® Rewards Credit Card earns 2 miles for every $1 spent, and you can redeem rewards for any hotel or flight you'd like. It has an annual fee of $0 for the first year, then $95.

Transfer rate to partners is poor: If you find yourself with a surplus of Hyatt points and you'd rather use them for something other than a free night or room upgrade, you can convert those points into airline miles with one of Hyatt's airline partners at a ratio of 1,250 Hyatt points to 500 miles. That's a ratio of 2.5 Hyatt points to 1 airline mile, which is not a great value.

Should you get The World Of Hyatt Credit Card?

The World Of Hyatt Credit Card is ideal for someone who stays within the brand at least a few times a year and wants perks and hotel status served up alongside their stay. The annual free night certificate alone can easily outstrip the cost of the card's annual fee.

What The World Of Hyatt Credit Card doesn't offer is a lot of flexibility. If you're looking for a card that lets you use your rewards to travel any way that you'd like, consider other options. Visit NerdWallet's roundup of top credit cards for more alternatives.

Information related to The Hyatt Credit Card has been collected by NerdWallet and has not been reviewed or provided by the issuer of this card.