WalletHub Rating
4.4/5
The World of Hyatt Credit Card is one of the best hotel credit cards available right now. New cardholders get 30,000 bonus points for spending $3,000 within 3 months of opening an account. This bonus is worth roughly $789 in Hyatt reservations and is among the biggest reasons why the Hyatt Credit Card is so good. Plus, for the first 6 months as a cardholder, you get 2 points per $1 spent on all purchases that normally would yield 1 point, up to 30,000 points. The card also offers 1 - 4 points / $1 in ongoing rewards on purchases, yielding a nice percentage return. The World of Hyatt Card’s $95 annual fee is reasonable compared to many other hotel credit cards, too. Info about The World of Hyatt Credit Card has been collected by WalletHub to help consumers better compare cards. The financial institution did not provide the details.
WalletHub Rating Breakdown
User Reviews
3.8/5
250 reviewsRead and write reviews
Editor’s Review
4.4/5
John Kiernan, Credit Card EditorRead full review
Market Comparison
Market Comparison
4.4
The Market Comparison is a key component of the WalletHub Rating, as it measures how appealing the terms of a card are compared to a pool of over 1,500 credit card offers monitored by WalletHub. To ensure cards are evaluated for their most relevant purpose, we score each card across various cardholder needs and select the rating for the need with the highest score, which is “Earn Hotel Rewards” for this card.
Fees
3.3
Rewards
4.5
Cost
5.0
Other Features
0.0
4.4/5
Compared against 1,500+ credit cards
KEY TERMS
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Hyatt Credit Card Annual Fee
$95
Hyatt Credit Card APR on Purchases
21.49% - 28.49% (V)
Hyatt Credit Card Balance Transfer
APR: 21.49% - 28.49% (V)
Balance Transfer Fee
Hyatt Credit Card Rewards
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Hyatt Credit Card's Additional Info
| cash advance fee | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| cash advance APR | 29.99% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-signature |
| max late fee | See Terms |
| max overlimit fee | See Terms |
| max penalty APR | 29.99% (V) |
| grace period | See Terms |
Editor's ReviewFact checked
Fact checked
John Kiernan, Managing Editor
March 28th, 2024
Fact Checked by Alina Comoreanu
Senior Researcher
Hyatt Credit Card Pros & Cons
High rewards rate
30,000 points initial rewards bonus
No foreign fee
Membership fees
No intro APR on purchases
No intro APR on balance transfers
Hyatt Credit Card Review
4.4 / 5
The World of Hyatt Credit Card is one of the best hotel credit cards available right now. New cardholders get 30,000 bonus points for spending $3,000 within 3 months of opening an account. This bonus is worth roughly $789 in Hyatt reservations and is among the biggest reasons why the Hyatt Credit Card is so good. Plus, for the first 6 months as a cardholder, you get 2 points per $1 spent on all purchases that normally would yield 1 point, up to 30,000 points. The card also offers 1 - 4 points / $1 in ongoing rewards on purchases, yielding a nice percentage return. The World of Hyatt Card’s $95 annual fee is reasonable compared to many other hotel credit cards, too.
Below, you can find more information to help you decide whether or not to apply for the World of Hyatt Credit Card.
World of Hyatt Credit Card Review Highlights:
- Solid initial bonus.Spending at least $3,000 within 3 months of opening your Hyatt Credit Card will score you 30,000 bonus points.That’s a pretty good deal, considering1Hyatt rewards point is worth more than 2 cents, on average, according to WalletHub research.
- Free night after each account anniversary.This anniversary gift isgood at category 1-4 hotels, which are the least expensive locations in Hyatt’s portfolio.
- Sneakily rewarding points. You will earn 4points per $1 spent at Hyatt properties with your Hyatt Rewards Card, plus 2 points per $1 spent on dining at restaurants,fitness club and gym memberships, airfare purchased directly from airlines, and local transit and commuting. You’ll alsoget 1 point per $1 spent on everything else, except for the first 6 months of account opening, when those purchases yield 2 points per $1 spent, up to 30,000 points. That might not sound like a lot compared to hotel credit cards offering 10+ points per $1 spent. But eachWorld ofHyattpoint is worth an average of 2.63 cents, according to WalletHub research. That means your earning rate equates to 2.53% to 10.12% “cash” back.
- Elite status. Simply having the Hyatt Card scores you Elite status in the World of Hyatt rewards program, which gets you extra perks at Hyatt properties.
- Very high APR. You need good or excellent credit for approval, and the average credit cards for people with good and excellent credit charge 24.1% and 18.01%, respectively. That means you’re almost guaranteed to pay interest at an above-average rate if you carry a balance from month to month.
- Annual fee requires regular use. The Hyatt Card’s $95 annual fee isn’t the highest among hotel credit cards, but it’s certainly not the lowest, either. And while the free night you’ll get on each account anniversary will help offset this cost, you’d ideally like that gift to help you save more, not just break even.
- Requires good credit or better. The Hyatt Credit Card's credit score requirement is 700 or higher.This means applicants for the World of Hyatt Card need at least goodcredit for approval.Make sure to check your credit score for free on WalletHub before applying.
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Compare The Hyatt Credit Card vs. Popular Alternatives
 The World of Hyatt Credit Card |  Chase Sapphire Reserve® |  American Express® Gold Card |
|---|---|---|
4.4WalletHub Rating WalletHub Rating 4.4 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Hotel Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 3.8 Market Comparison 4.4 fees: 3.3 rewards: 4.5 cost: 5.0 Other Features: 0.0 | 4.1WalletHub Rating WalletHub Rating 4.1 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 4.4 User Reviews 3.3 Market Comparison 4.1 fees: 1.3 rewards: 4.8 cost: 4.8 Other Features: 0.0 | 2.5WalletHub Rating WalletHub Rating 2.5 This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs. Editor’s Rating 3.8 User Reviews 3.8 Market Comparison 2.2 fees: 2.1 rewards: 2.4 cost: 2.3 Other Features: 0.0 |
annual fee$95 | annual fee$550 | annual fee$250 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APRNot Offered |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR21.49% - 28.49% (V) | Regular APR22.49% - 29.49% (V) | Regular APRSee Pay Over Time APR |
Apply Now | Apply Now Terms Apply |
Questions & Answers
Can't find what you are looking for? Submit your question about The World of Hyatt Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card. In addition, WalletHub independently collected information for some of the cards on this page.
Most Popular
6
Upvotes
How can I log in to The World of Hyatt Credit Card account online?
Reply
6
You can log in to your The World of Hyatt Credit Card account by going to the login page on the Chase website or mobile app and entering your username and password in the appropriate fields. Then, click the “Sign in” to access your online account.
How to Register for Online Access on your Hyatt Credit Card Account
- Register your Hyatt Credit Card for online account access. Click “Not enrolled? Sign up now” and enter your account type, card or application number, and Social Security number to verify your credit card account.
- Choose your Hyatt Credit Card username and password. The username must be between 8 and 32 characters, including special characters, but no spaces. The password must contain at least 8 characters and have at least two of the following: one letter, one number, and one special character. Password can have no more than two identical or sequential characters. The password is case sensitive and may contain special characters.
- Log in with your new Hyatt Credit Card credentials. From the login page on the Chase website or its mobile app for iOS or Android, fill out the Username and Password fields using your new credentials, and click “Sign in” to access your account.
After you have signed up and logged in, you'll be able to manage your Hyatt Credit Card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.
If you forget your login information, click “Forgot username/password?” on the Chase login page. Then, follow the prompts to reset or retrieve your username or password.
22
Upvotes
How do I get the Hyatt Credit Card sign-up bonus?
Reply
22
Chip Lupo, Credit Card Writer
@CLoop
To get the Hyatt Credit Card sign-up bonus, new cardholders must spend $3,000 within the first 3 months of opening an account. The Hyatt Credit Card bonus is 30,000 points.
Keep in mind, however, that you will not be eligible for this introductory bonus if you currently have the Hyatt Credit Card, regardless of whether you previously received the bonus. You also may not be eligible if you recently earned the bonus.
In addition to the sign-up bonus, the Hyatt Credit Card offers 1 - 4 points per $1 on purchases. Its annual fee is $95, and you need good credit to get approved for the card.
10
Upvotes
How can I get the Hyatt credit card free nights?
Reply
10
Maria Adams, Credit Cards Moderator
@m_adams
You can get a Hyatt Credit Card free night every year, after your account anniversary. Another way to earn an extra free night is by spending $15,000 on the Hyatt Credit Card in a calendar year. You can also redeem your rewards points for free nights.
How to Get Free Nights With the Hyatt Credit Card
- Complimentary free night: You receive one free night at any category 1-4 Hyatt hotel or resort every year after your account anniversary. ...
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2
2
Upvotes
Is the Hyatt Credit Card 2-free-nights offer still available?
Reply
2
Bogdan Roberts, Credit Cards Moderator
@bogdan_roberts
No, the Hyatt Credit Card 2-free-nights offer is no longer available. Instead, Hyatt Credit Card offers one free night at any Category 1-4 Hyatt hotel or resort after each account anniversary. Plus, you get an initial bonus of 30,000 points for spending $3,000 in the first 3 months. Also, you can earn 1 - 4 points per $1 on purchases.
The initial bonus alone is enough for 8 free nights in Category 1 Hyatt properties. Also, the temporary double earnings you get for purchases that normally earn you 1 point / $1 could get you...
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1
2
Upvotes
How can I get the Hyatt credit card annual fee waived?
Reply
2
Joseph Bulebush, WalletHub Analyst
@joeybule
To get the $95 Hyatt credit card annual fee waived, a cardholder must either be on active military duty or be willing to call and negotiate a waiver with Chase. Active-duty and full-time military members can call Chase customer service at 1-800-436-7941 to request their SCRA benefits. These include waived annual fees and lower interest rates on credit cards, among other things.
Non-military Hyatt cardholders can also call Chase customer service at the number...
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1
1
Upvote
How much is the Hyatt Credit Card annual fee?
Reply
1
Frankie Solomon, WalletHub Analyst
@frankie.solo
The Hyatt Credit Card annual fee is $95. It is comparable to the fees on other travel credit cardsthat offer similar rewards and benefits. But the card's initial bonus will offset the cost of the annual fee for years.
Aside from the Hyatt Credit Card's $95 annual fee, there are several other notable fees on the card.
Hyatt Credit Card Fees
- Annual fee:$95
- Balance Transfer Fee:Either $5 or 5% of the amount of each balance transfer, whichever is greater.
- Cash Advance Fee:Either $10 or 5% of the amount of each transaction, whichever is greater.
- Foreign transaction fee:...
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1
1
Upvote
What is the Hyatt Credit Card referral bonus?
Reply
1
Elijah Nash, WalletHub Analyst
@Eli.nash
The Hyatt Credit Card referral bonus is 5,000 points for each referred friend who gets approved, up to a maximum of 25,000 points per year. To refer a friend to the Hyatt Credit Card, visit Chase's referral page and enter your last name, your ZIP code, and the last 4 digits of your card number. Then, click the green “Continue” button. From there, Chase will let you email a referral link to friends or create a personalized link to share...
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1
2
Upvotes
What is the Hyatt Credit Card foreign transaction fee?
Reply
2
James bronzz, WalletHub Analyst
@jbronz
The Hyatt Credit Card foreign transaction fee is $0. This foreign transaction fee is one reason why the Hyatt Credit Card is a good choice for international travel. The card is also on the Visa network, which means it'saccepted at most merchantsthat take credit cards worldwide.
That's good news because there are plenty of Hyatt locations to visit in foreign countries, as the chain operates over 900 hotels worldwide. And the card gives bonus points on flights, restaurant purchases,...
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1
3
Upvotes
Does the Hyatt credit card give you status?
Reply
3
Elijah Nash, WalletHub Analyst
@Eli.nash
The Hyatt Credit Card offers Discoverist status in the World of Hyatt loyalty program as long as the account is open and in good standing. Discoverist status gets you perks such as 10% bonus points on Hyatt spending, premium in-room internet access, and late checkout upon request.
Key Hyatt Credit Card Discoverist Status Benefits
- 10% bonus points on Hyatt spending
- Premium internet
- Free bottle of water every day
- Exclusive reservation line
- Preferred room (within...
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1
2
Upvotes
What are my Hyatt Credit Card approval odds?
Reply
2
Cameron DiGiovanni, Writer
@cdigiovanni20
Your Hyatt Credit Card approval odds are high if you have a credit score of 700+ which is considered good credit. Approval odds for the Hyatt Credit Card will also be influenced by your annual income and existing debts. You also have to be at least 18 years old with a U.S. mailing address and an SSN or ITIN, too. You cannot check to see whether you're prequalified for the Hyatt Credit Card, unfortunately.
Keep in mind that...
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1
2024 WalletHub Awards
The World of Hyatt Credit Card is an Editor's Pick for:
Hotel Credit Cards
Southwest Credit Cards
High Limit Credit Cards
Chase Credit Cards
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Hyatt Credit Card Reviews
Share your insights and review for The World of Hyatt Credit Card
5
14%
4
66%
3
12%
2
4%
1
4%
3.8
250 reviews
250 reviews
What's Your Rating?
Most Recent
Eric Rothman
@ericr1
4 Star Rating
This card is great if you travel a lot. Unlike chase or the BOA cards that I have, the rewards are more focused on travel. The interest rate of 15.99% is pretty good compared to Chase, etc. All of there other fees such as late fee, cash advance, etc are good rates.
Comment
1
4
Hannah
@ageekyguy42
4 Star Rating
The Hyatt credit card is a great deal if you like to travel like I do. It's easy to earn points for spending at all, and earning extra points for restaurants and Hyatt hotels. Since I'm travelling a lot anyway, it's like I'm always getting free rooms. Other credit cards I've had seem to have rewards that it takes forever to actually earn. With this Hyatt card, I can count on actually being able to take advantage of the perks of having it on a regular basis.
Comment
1
1
Chett Elderson
@chette1
5 Star Rating
First off, I am frequently going on trips and staying at hotels so the Hyatt Credit Card is perfect for my needs. It's got a really low interest rate, low fees, but where it really stands out are it's Hyatt rewards. If you spend 1000 in the first few months you get a free 2 nights at a Hyatt (a pretty good value), you get lots of points for Hyatt hotels and other restaurants and this really lets you cut down on the cost of travel over time.
This card is super good if you stay at hotels a lot and is still pretty good even if you don't. It's hard to recommend anything else (American Express, Discover Rewards, etc) over this when the interest is so low and the benefits so good.
Comment
1
1
Trevor McGovern
@trevor_mcgovern_92
4 Star Rating
The two free nights after spending one thousand dollars in three months is a great deal for using my Hyatt Credit Card. On top of that they give me one free night every year on the anniversary of opening my card. This is the card that keeps giving. Other cards I have do not have any offers towards total year spending like this one does. I think that is an interesting and unique offer.
Comment
1
1
Alicia
@usernamear
3 Star Rating
I typically use the Discover IT card. Compared to the Discover IT card, the Hyatt Credit Card seems to have some great offerings. First of all, the Hyatt card offers free 2 nights stay after spending $1,000 within the first three months. This would be easy enough to do if you use your credit card to pay bills. This would be great for anyone who likes to travel. Compared to the Discover IT card, however, it doesn’t seem to have the same incentives for those who just like to earn rewards for purchases such as gas, department stores, etc. The Discover IT card offers different earning potentials quarterly in different categories. The Hyatt card is focused more on on earnings for hotel stays. This, however, would be great for frequent travelers.
Comment
1
1
Maria Francesca
@mariafrances
3 Star Rating
If you are a traveler, you need this card. Even if you don't travel often, this is a good card to consider having because if you work the card for the points, for example use it at restaurants, and spend $2,500/year eating out (approximately $200/month which if you have a family isn't unreasonable) that will give you one free room in addition to your anniversary room. If you spend $5,000 over the course of the year on other items, then you have three free rooms and can make a mini-vacation out of it. Hotels in the NY metro area are expensive and where I live in NJ, a Hyatt room can go for close to $200/night. So the room benefits are definitely useful.
The downside on this card is the interest rate and annual fee. If you pay the card off in full each month, you'll avoid the 16% interest rate, but for many people that is impossible. The other downside is the $75 annual fee. American Express charges a similar annual fee, but they have many more opportunities for earning points and you have to pay the full balance at the end of every month so you aren't stuck with a looming interest-accruing balance.
Overall, this is a card I would keep in my arsenal of credit cards, but I'd have to work hard to make it a benefit for me as I don't travel often.
Comment
1
3
George Green
@georgeg_12
4 Star Rating
This card is mainly for those who travel a lot in a given year. Which is perfect for me. The points seem to add up quickly, and there are various way to use them, and other bonuses that make the unfortunate annual fee after the first year well worth it. While my Marriott Rewards had a much larger bonus point allotment for signing up, the over all value of those points don't add up to the value of this card. That and interest rate is much better.
Comment
2
1
Selena Edwards
@selena1000
4 Star Rating
Well this card definitely has some Great pros going for it. I really like the ability to earn points and the free hotel stays. I travel a little bit more these days than I ever used to, so these perks may come in handy for me. I like the fact that the points have no limits and can continue to accrue. I love the fact that it doesn't have a foreign transaction fee that is a major benefit. No over the limit fee is great as well as the 21 day grace period. Also, the 15.99% is a pretty good rate these days. In the past, I used CaptialOne and Hyatt card definitely offers benefits that CapitalOne does not. However, Hyatt card does have some cons CapitalOne did not have balance transfer fees or no annual fee. But all in all, I think Hyatt is a great card for people on the go that like to flight, travel and stay in hotels. You would definitely benefit from the no foreign transaction fee, I think it's worth it to get this card just for that benefit alone.
Comment
2
1
Colin Stone
@colin.stone.967
3 Star Rating
While there seem to be some excellent rewards with this card ID take issue with a few things and have a few suggestions for improvements. First off while the bonuses seem generous many of these are not very useful for your average person, especially ones such as myself who tends not to travel very much. As an improvement I would suggest adding in some additional rewards, perhaps some applicable to a sedentary individual. Vouchers for restaurants and alike would be nice. The second issue I take it at the point system seems very convoluted at first glance, and a bit of clarification in this regard would be very useful to me and I'm sure other people. While I'm not sure there's much to be done about this aspect, the high credit rating required to obtain this card could be prohibitive to some, and if there's any flexibility in this regard it would be welcome. As far as the positives go, for a traveling man this card would be inordinately useful, especially in regard to the nice hotels it offers and a generous rewards related to travel. In short a bit accessibility would be nice to improve this card but for the people who find useful, this would be incredibly useful.
Comment
5
Billy Spangler
@billynlex
5 Star Rating
I travel a lot, mostly for work. There are times when i do leisure travel, but it seems anymore those are few and far between. However, one thing I have learned to enjoy is having this card in my wallet for those times I decide I need to get out of town and know that I have some bonuses stocked up through my regular usage. One thing I enjoy about the Hyatt Credit Card would be the max late fee and inclusion of a smart chip. There are times I would prefer to not swipe a card, be it a shady organization or distant locale, and would prefer to be able to just use the chip. In addition, using my free nights and accumulated bonuses have never been easier with their customer service! If you're a world traveler who enjoys having the ability to rack up some free nights for when you're traveling just for using your card on a normal, daily basis, this is the card for you.
Comment
3
1
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