Review: World of Hyatt Credit Card

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 in 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 50,000 point sign-up bonus, 25,000 points after a $3,000 spend in 3 months and an additional 25,000 points after a (total) spend of $6,000 in 6 months. The card has a $95 annual fee. This sign up is enough for 10 nights at a Category 1 property or 2 nights at a Category 6.

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

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 and Discoverist status simply for having the card. For all applicants from now through June 30, 2020, you will receive and additional 5 elite night credits, for a total of 10.

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. From April 15, 2020 to June 30, 2020, however, you will earn 3 elite night credits per $5,000 you spend on the credit card. This increased offer allows you to earn Globalist stays by spending $95,000 on the card (again, assuming zero hotel stays).

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. Additionally, if Explorist (which comes with another free night certificate) and/or Globalist (which comes with a Category 1-7 free night certificate) interests 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.

 

Final Thoughts

The World of Hyatt program 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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