If you have an upcoming stay at a Hyatt property, the Hyatt World Personal and business cards can help you save money and enjoy solid benefits during your trip.
The World of Hyatt program offers some of the best refund rates in industry and various unique hotel brands within the Hyatt portfolio.
He World of Hyatt Credit Card (see rates and fees) currently offers a bonus that includes:
- Earn up to 60,000 bonus points: 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening, and earn up to 30,000 more bonus points by earning 2 bonus points for every dollar spent in the first six months of account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent.
- Earn 2 tier-qualifying night credits Hyatt Elite Status for each eligible Hyatt stay from October 16 to January 31, 2026, up to 15 nights
Meanwhile, World of Hyatt Business Credit Card (see rates and fees) comes with your usual welcome offer.
Let’s examine the current welcome offers available to help you decide if now is the right time to apply.
World of Hyatt Credit Card
Welcome offer:
- Earn up to 60,000 bonus points: 30,000 bonus points after you spend $3,000 on purchases in the first three months of account opening, and earn up to 30,000 more bonus points by earning 2 bonus points for every dollar spent in the first six months of account opening on purchases that typically earn 1 bonus point, with up to $15,000 spent.
- Earn 2 Hyatt elite qualifying night credits for every eligible stay at Hyatt from October 16 to January 31, 2026, up to 15 nights
Based on TPG October 2025 ratingsPoints earned in this bonus are worth up to $1,020. Tier qualifying night credits are not quantifiable, but if you maximize them by staying the full 15 nights, you’ll add up to enough nights to qualify for mid-tier Explorist status.
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Explorist status benefits include 20% bonus points, upgrades to the best available room (not applicable at Hyatt Place, Hyatt House and Hyatt Residence Club), and guaranteed availability when making a paid reservation at least 72 hours before arrival.
While the current offer offers more value thanks to the ability to earn elite status more quickly, it’s not the best bonus we’ve seen. in card history when it comes to points or free night awards. Still, if you have multiple stays at Hyatt planned between now and the end of next January, now might be a good time to apply.
Annual fee: $95
Win Rates:
- Up to 9 points per dollar spent on Hyatt stays (4 points per dollar on qualifying purchases at Hyatt hotels and 5 points per dollar as a World of Hyatt member)
- 2 points per dollar on airline tickets purchased directly from airlines, gym and health club memberships, local transit and commuting, and at restaurants.
- 1 point per dollar on everything else
Why we like it: This card has valuable ongoing benefits, the best of which is the annual free night certificate at a category 1-4 Hyatt property, which you will receive each account anniversary. You’ll also get a second night free after you spend $15,000 in a calendar year.
Here are some ideas for maximize your World of Hyatt points.
For more information, read our full review of the world of hyatt card.
Apply here: World of Hyatt Credit Card
World of Hyatt Business Credit Card
Welcome offer: Earn 60,000 bonus points after you spend $5,000 on purchases within the first three months of account opening.
According to TPG valuations, this bonus is worth $1,020, which is the offer we typically see. in card history.
Annual fee: $199
Profit rates:
- Up to 9 points per dollar on Hyatt stays (4 points per dollar on qualifying purchases at Hyatt hotels and 5 points per dollar as a World of Hyatt member)
- 2 points per dollar on gym and gym membership purchases
Cardholders also earn 2 points per dollar on their top three spending categories each quarter with no spending limit. These categories include:
- Airline tickets purchased directly from an airline.
- Car rental agencies
- Meal
- Gas stations
- Internet, cable and telephone services
- Local transportation and travel
- Shipment
- Advertising on social networks and search engines.
Point earning rates will automatically adjust across the categories you spend the most in each quarter, so there’s no need to select your preferred categories.
Beyond bonus categories, you’ll earn 1 point per dollar on all purchases.
Why we like it: Hyatt loyalists who own a business can find value in the card’s $100 in Hyatt credits each anniversary year and the ability to gift Discoverist status to up to five employees.
You’ll earn five tier-qualifying nights for every $10,000 you spend on the card in a calendar year.
For more information, read our Complete World of Hyatt Business Card Review.
Apply here: Hyatt World Business Card
Why should you get a Hyatt card?
Both World of Hyatt personal and business cards offer many benefits for Hyatt loyalists. In fact, the Hyatt personal card is among the TPG Staff Top Picks.
Having either card automatically grants you Discoverist status, which includes benefits like late check-out, preferred rooms, and a 10% points bonus on eligible purchases. Spending with either card can also earn you additional elite-qualifying nights.
You’ll also enjoy various travel protections, such as baggage delay insurance, lost baggage reimbursement, and trip interruption and cancellation insurance.
Plus, the personal card comes with a free night certificate each year (valid at Category 1-4 properties), which is extremely valuable for any Hyatt enthusiast.
Related: Why I intend to spend $15,000 on my World of Hyatt credit card each year
In a nutshell
There’s a lot to love about both World of Hyatt credit cards, even if you don’t frequently stay at Hyatt hotels. Both cards come with several benefits that can easily cover their reasonable annual fees.
The bonuses on both cards currently offer a value of over $1,000 and the staff World of Hyatt Card provides a good path to elite status if you plan to stay at Hyatt in the near future.
So, if you’re looking for a co-branded hotel card, now may be a good time to apply.
Apply here: World of Hyatt Card
Apply here: Hyatt World Business Card
