World of Hyatt Credit Card Review

World of Hyatt Credit Card Review

The information related to the World of Hyatt credit card has been collected by Money Crashers and has not been reviewed or provided by the issuer of this card.

The World of Hyatt Credit Card from Chase is a hotel rewards credit card with a $95 annual fee and an attractive rewards program that favors frequent guests at Hyatt hotels and associated brands, including Hyatt Hotels & Resorts, Andaz, Hyatt Centric, and Hyatt Place, among others.

Cardholders are automatically enrolled in Hyatt’s World of Hyatt travel loyalty program, and cardholders in good standing automatically earn and keep Hyatt Discoverist status. Discoverist’s many valuable perks include accelerated point earnings, complimentary room upgrades, and guaranteed room availability.

Hyatt points can be exchanged for free nights and room upgrades at thousands of Hyatt and Hyatt-operated properties worldwide. You can also convert points into airline miles with participating airline partners, or redeem for car rentals, spa treatments, dining, and other Hyatt resort services. However, these methods tend to devalue points.

The World of Hyatt Credit Card has a 2-part sign-up bonus worth up to 60,000 bonus points.

First, you get 40,000 bonus points when you spend at least $3,000 within 3 months of opening your account. That’s worth up to 8 free nights at budget-friendly Hyatt properties.

Second, you get 20,000 additional bonus points when you spend $6,000 total in purchases within 6 months of your account opening date.  That’s worth another 4 free nights at budget-friendly Hyatt properties.

This card earns an unlimited 4 points per $1 spent on Hyatt hotel and resort purchases. It earns an unlimited 2 points per $1 spent on restaurant purchases, airline tickets purchased directly from the airline, local transit and commuting purchases, and fitness and gym club membership purchases. Lastly, it earns an unlimited 1 point per $1 spent on everything else.

You can redeem your accumulated Hyatt points for free nights’ stays at any participating Hyatt or Hyatt-operated property worldwide, including Hyatt Vacation Club Resorts and All Inclusive resort properties (Ziva and Zilara), which aren’t covered by Hyatt’s category system.

Within the category system, standard room redemptions start at 5,000 points for budget-friendly Category 1 properties, and range up to 30,000 points for ultra-luxe Category 7 properties. Suite redemptions range from 8,000 points for Category 1 properties to 48,000 points for Category 7 properties. Ziva and Zilara redemptions range from 20,000 to 40,000 points per night (12,500 extra per person after the first two guests), depending on the property and room type. Hyatt Vacation Club redemptions range from 12,000 to 30,000 points per night, depending on room or unit size.

If you don’t have enough points to cover the full cost of a room, you can combine points and cash (Points + Cash feature), starting at 2,500 points plus $50 for a Category 1 property and 15,000 points plus $300 for a Category 7 property. Redemption thresholds are subject to change at any time.

You can transfer Hyatt points to a number of popular airline partners, including American Airlines and Southwest Airlines. Transfers usually occur at a ratio of 5,000 Gold Passport points to 2,000 airline points. However, this is not recommended as you can get much better value by redeeming for hotel nights.

The World of Hyatt Credit Card automatically entitles you to Discoverist status in the World of Hyatt loyalty program. Discoverist benefits include a 10% bonus on all base points earned on Hyatt stays, late checkout (2pm), complimentary premium Internet in your room, and preferred room upgrades where available.

To achieve Discoverist status without the World of Hyatt Credit Card, you need to rack up a minimum of 10 paid nights or 25,000 bonus points (points earned on stays only) in a calendar year.

The loyalty benefits don’t stop there. As a cardmember in good standing, you get 5 free night credits toward your next tier status each year. Plus, with every $5,000 in qualifying purchases, you get an additional 2 qualifying night credits toward your next tier status.

As long as your account remains open and in good standing, you receive a free award night on your cardmember anniversary. This benefit can be redeemed for a free night’s stay at any Category 1-4 Hyatt property, except Hyatt Zilara or Ziva properties.

When you spend at least $15,000 in eligible purchases in a cardmember anniversary year, you get an additional free award night redeemable for a free night’s stay at any participating Category 1-4 Hyatt property. Your cardmember anniversary year begins on the date you opened your card account.

The annual fee is $95. There is no foreign transaction fee. Balance transfers cost the greater of $5 or 5% of the transferred amount, while cash advances cost the greater of $10 or 5%.

This card has some useful additional benefits for travelers and consumers:

This card requires excellent credit. Any significant blemishes are likely to disqualify your application.

The World of Hyatt Credit Card is an awesome credit card for people who travel frequently and enjoy staying at Hyatt properties, of which there are many hundreds to choose from. However, it’s important for casual travelers to understand that it’s less than ideal for consumers who wish to keep their travel redemption options as open and flexible as possible.

More versatile cards, such as Chase Sapphire Preferred and Capital One Venture Rewards, allow you to redeem your accumulated points for pretty much any type of travel purchase – and at flat point-to-dollar values, so that you don’t have to expend mental energy to know you’re getting the right deal.

The World of Hyatt Credit Card is more generous than many competing hotel credit cards. For frequent travelers who prefer (or don’t mind) staying at Hyatt properties, and who can afford to spend enough to offset the annual fee, it’s difficult to beat. On the other hand, it’s not ideal for travelers who desire more flexible redemption options outside the Hyatt ecosystem.

This card’s generous and easy to attain sign-up bonus, automatic Discoverist status, anniversary room night, and lack of foreign transaction fees are all great benefits. However, the annual fee, sub-par point values for airline transfers and non-hotel redemptions, and credit requirement are drawbacks. Overall, it’s an excellent card for regular Hyatt guests.

Editorial Note: The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Categories: Chase, Credit and Debt, Credit Cards, Lifestyle, Reviews, Travel

Brian Martucci writes about frugal living, entrepreneurship, and innovative ideas. When he’s not interviewing small business owners or investigating time- and money-saving strategies for Money Crashers readers, he’s probably out exploring a new trail or sampling a novel cuisine. Find him on Twitter @Brian_Martucci.

Comments Disclosure: The below responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.

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