Travel on Points

REVIEW: World of Hyatt Credit Card (2021)

The World of Hyatt credit card is incredibly valuable and rewarding. While it is quite easy to accrue Hyatt points via Chase Ultimate Rewards cards, as Chase is a transfer partner, the World of Hyatt credit card also makes sense for most award travelers.
Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

REVIEW: World of Hyatt Credit Card (2021)

The World of Hyatt credit card is incredibly valuable and rewarding. While it is quite easy to accrue Hyatt points via Chase Ultimate Rewards cards, as Chase is a transfer partner, the World of Hyatt credit card also makes sense for most award travelers.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Almost all award travelers know the value of Hyatt. Previously, we wrote an overview of the Hyatt program and outlined why it is the favorite hotel program for many award travelers. Keeping that foundation in mind, we now take a look at the World of Hyatt credit card.

Current Offer

Hyatt has an exclusive credit card agreement with Chase. The World of Hyatt credit card currently offers a 30,000 point sign-up bonus, after $3,000 spend in 3 months. Plus, you will earn 2x points on all spend that normally earns 1x in the first 6 months from account opening, up to a total of $15,000 spend. The card has a $95 annual fee.

As with other Chase cards, the World of Hyatt credit card is subject to Chase's 5/24 rule.  This means Chase will not approve you for this card if you have opened 5 or more credit cards during the last 24 months. Chase also will not approve you if you have opened a credit card during the last 30 days.

Earn Rates

The World of Hyatt credit card earns Hyatt points as follows:

  • 4x Hyatt purchases, including spas and restaurants at Hyatt properties
  • 2x restaurants, gyms/fitness clubs, local transit, tolls, and airline tickets directly from airline
  • 1x all other spend (2x up to $15,000 spend during this sign up promotion).

Additional Benefits

Like most other hotel credit cards, the World of Hyatt credit card offers a free night award at a Category 1-4 property each year after your anniversary, which is worth up to 15,000 points.

Additionally, you earn an additional free night award (also for a Category 1-4 property) after you spend $15,000 on your World of Hyatt credit card in an anniversary year.

Elite Benefits

All World of Hyatt credit card holders earn 5 elite night credits for holding the card towards higher status.  Additionally, you receive Discoverist status simply for having the card.

What sets the Hyatt card apart from most other hotel credit cards is the ability to earn top-tier status through credit card spend. For each $5,000 you spend on the credit card, you earn an additional 2 elite night credits. If you do not actually stay at a Hyatt in a calendar year, you can earn Globalist status by spending $140,000 on the credit card.

Our Analysis

All of us at ToP LOVE Hyatt. The same is true for the World of Hyatt credit card. We recommend using it, primarily, for all Hyatt purchases and to hit the $15,000 spend threshold to earn a second free night certificate each year, if possible. If Globalist status is of interest to you, you can definitely use the World of Hyatt credit card to assist in getting there while earning other Milestone Benefits along the way including another Category 1-4 free night certificate and a Category 1-7 free night certificate, suite night upgrade, and access to a concierge.  If those topics interest you, this is a great card for your everyday spend.

This card is also a card we consider a “long-term keeper.” There really is no reason to cancel this card. For the $95 annual fee, you receive a Category 1-4 certificate each year. Even if you value Hyatt points at only 1.0 cent each, a Category 4 hotel (at 15,000 points/night) is worth $150, or $55 more than the annual fee. You can usually use this certificate for a $300+/night room.

For the current bonus, we are not crazy about the offer. It is, essentially, a 45,000 Hyatt point offer for $15,000 spend (as you would typically earn 1x on the $15,000 spend).

If you currently have zero nights at Hyatt in 2022, you can sign up for the World of Hyatt credit card and immediately earn 5 elite nights, leaving you only 25 nights from Explorist status. Once you hit the full sign up bonus with a $15,000 spend, you would earn an additional 3 elite nights (2 elite nights per $5,000 spend).  However, if spending your way to top-tier Globalist status is of interest to you, you can pair it with the World of Hyatt Business card (review) which earns 5 elite night credits for every $10,000 in spend.  When combining the two cards, you can earn Globalist status for $120,000 in spend without ever spending a night in a Hyatt hotel.  As you add in your Hyatt stays, that number decreases quickly.

As a Globalist, you are entitled to a 30% bonus (in addition to Member earnings of 5x) on qualifying spend, 2 free waters per day, upgraded rooms (including standard suites and club access with free breakfast), 4:00pm checkout, complimentary parking on award nights, lounge access or full breakfast for all registered guests (up to 2 adults and 2 children), and waived resort fees on paid or award nights. To reach Globalist for only 10 nights is truly remarkable.

Final Thoughts

The World of Hyatt credit card is incredibly valuable and rewarding. While it is quite easy to accrue Hyatt points via Chase Ultimate Rewards cards, as Chase is a transfer partner, the World of Hyatt credit card also makes sense for most award travelers. Let us know your thoughts on the World of Hyatt credit card in our Facebook group.

Travel on Point(s) has partnered with CardRatings for our coverage of credit card products. Travel on Point(s) and CardRatings may receive a commission from card issuers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

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