See Rates & Fees, Terms Apply
The World of Hyatt Credit Card
Rewards rate
2X–9XAnnual fee
$95Intro offer
Up to 60,000 Bonus PointsRegular APR
19.74% - 26.74% VariableRecommended Credit Score
Good to Excellent (670 - 850)The World of Hyatt Credit Card review
Why you can trust Bankrate
At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
- Meet you wherever you are in your credit card journey to guide your information search and help you understand your options.
- Consistently provide up-to-date, reliable market information so you\'re well-equipped to make confident decisions.
- Reduce industry jargon so you get the clearest form of information possible, so you can make the right decision for you.
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Editorial Integrity
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
Key Principles
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Editorial Independence
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
How We Make Money
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
Insurance Disclosure
Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
ON THIS PAGE
ON THIS PAGE
Snapshot
4.4
Bottom line
The World of Hyatt credit card is the only Hyatt rewards card currently accepting applications, so if you frequent Hyatt hotels and resorts, or even just stay there more than once per year, this card is likely a great addition to your wallet, as long as you don’t mind paying the annual fee. Otherwise, you may be better off with a general travel rewards credit card that can offer more flexibility or cash back card with higher-earning rewards in the categories you frequent.
The World of Hyatt Credit Card overview
If you plan to stay at a Hyatt hotel at least once per year, The World of Hyatt Credit Card by Chase’s rewards structure, elite status and annual free night certificate more than make up for its $95 annual fee.
This card may be a no-brainer if you prefer Hyatt properties, but it does come at the price of additional perks offered by some more premium hotel cards or the flexibility of a more general travel rewards card.
A deeper look into the current card offer
For a relatively minimal $95 annual fee, Chase’s World of Hyatt card offers a comprehensive rewards structure, especially for a co-branded hotel card. You’ll earn:
- 4 Bonus Points per dollar spent at Hyatt hotels
- 2 Bonus Points per dollar at restaurants, on airline tickets purchased directly from the airline, local transit and commuting expenses and on fitness clubs and gym memberships
- 1 Bonus Point per dollar on anything else
This rewards structure is a step up from the old Hyatt Credit Card, which is no longer available. That card earned just 3X points on Hyatt purchases and its 2X category was more restrictive, including purchases with restaurants, airlines and car rental agencies only.
Both cards also allott one free night at any Category 1-4 Hyatt hotel or resort every year. The World of Hyatt card goes one step further, offering an additional free night if you spend more than $15,000 on your card during the year (beginning on your cardmember anniversary).
The World of Hyatt card offers additional benefits, like travel and purchase coverage, no foreign transaction fees and automatic Discoverist elite status with Hyatt. Discoverist benefits include preferred room at check-in, early check-in and late check-out (all based on availability).
The card’s APR is a variable 18.99 percent – 25.99 percent.
How much are rewards worth?
The World of Hyatt card’s maximum sign-up bonus already puts its first-year value around $1,260.
Combine that with the annual one free night certificate benefit which can be used on Category 1-4 Hyatt properties. If you redeem your reward night at a Category 4 hotel (the higher end on the spectrum of eligible properties), which usually runs 15,000 points per night, your savings can equal $315, per Bankrate’s latest points and miles valuations.
You can also earn another night free if you spend at least $15,000 on your card each year, which you can maximize for another $315 in value.
That’s already $1,890 in first-year value before accounting for Bonus Points earned through the card’s reward structure. If you frequent Hyatt locations or spend frequently in the card’s other categories and are looking to redeem your rewards for hotel stays instead of airline tickets or cash back (which can be of more value with another card), then this card can easily save you money on an ongoing basis, even after you’ve maxed out the sign-up bonus.
How to maximize rewards
You should redeem your rewards for nights at Hyatt properties to fully maximize their value. You may also redeem points for dining and spa services at some Hyatt locations or transfer to airline and rental car partners, but those redemptions are never as high as simply redeeming for free nights or upgrades with Hyatt.
Bankrate’s Take: Is The World of Hyatt Credit Card worth it?
If you are a current Hyatt cardmember or you’re a previous cardholder of any Hyatt card and earned a sign-up bonus in the past 24 months, you’ll be ineligible for the World of Hyatt card’s sign-up bonus, worth up to a substantial up to 60,000 Bonus Points.
The card has a tiered sign-up bonus structure. Earn up to 60,000 Bonus Points – 30,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening. Plus, up to 30,000 more Bonus Points with 2 Bonus Points per $1 spent on purchases that earn 1 Bonus Point up to $15,000 in the first 6 months of account opening.
According to Bankrate’s valuations, those 60,000 World of Hyatt Bonus Points are currently worth $1,260 in monetary value. Combined with the annual night free, that’s a lucrative deal if you’re planning a vacation at any Hyatt location this year.
The World of Hyatt card’s revamped rewards structure is pretty comprehensive compared to other co-branded hotel cards, but you’ll likely find the most value in pairing it with another card if you spend a lot of money on categories not included, like grocery stores or utilities. Even if your spending is concentrated in restaurant and airfare spending, you may want to choose another card worth more for those categories or a co-branded airline card.
For Hyatt purchases, though, there’s not many options worth more than this card’s 4X Bonus Points, especially when you consider the extra 5 base points per eligible dollar you can earn as a World of Hyatt member. Consider how often you stay at Hyatt hotel or resort locations and whether your savings will offset the $95 annual fee.
You may also consider a card like the Chase Sapphire Preferred® Card, which charges the same $95 annual fee and it lets you enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more. You can transfer to World of Hyatt at a 1:1 ratio. With its similar rewards structure, this could be an alternative option if you’re looking for more redemption options and don’t mind sacrificing the automatic elite status or annual free night benefits.
The information about the World of Hyatt Credit Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
Share