World of Hyatt Credit Card Overview
With a rewarding loyalty program and generous card benefits, the World of Hyatt Credit Card (see rates and fees) is one of the best hotel cards on the market. Hyatt fans will appreciate this card’s annual free night award and additional earnings at Hyatt. Hyatt points are the most valuable hotel points; Free nights start at just 3,500 points. Card Rating*: ⭐⭐⭐⭐
*Card rating It is based on the opinion of TPG editors and is not influenced by the card issuer.
Hyatt WorldGreat redemptions and solid elite benefits make it one of our favorite loyalty programs at TPG.
He World of Hyatt Credit Card It lacks the premium benefits of top-tier hotel cards, but offers an affordable $95 annual fee in exchange.
We recommend a credit score of at least 670 to increase your chances of approval.
If you’re a Hyatt fan or stay at Hyatt properties at least once a year, this card is worth considering. Let’s delve into its features and benefits.
Pros and cons of World of Hyatt
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World of Hyatt Credit Card Welcome Offer
He World of Hyatt Card Currently offering new cardholders the chance to earn up to 60,000 points and up to 15 qualifying nights toward status:
- Earn 30,000 bonus points after spending $3,000 on purchases in the first three months of account opening and up to 30,000 more bonus points when you earn 2 total bonus points for every $1 spent in the first six months of account opening with up to $15,000 spent.
- Earn 2 total tier-qualifying night credits toward status for each eligible stay at Hyatt from 10/16/2025 to 01/31/2026, up to 15 nights.
TPG October 2025 ratings Peg Hyatt points cost 1.7 cents each, making points in this offer worth up to $1,020. Tier qualifying night credits are not quantifiable, but if you manage to stay the full 15 nights, you’ll accumulate enough nights to qualify for Explorist status.
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This deal definitely has appeal, especially for anyone within reach of a certain level of status at Hyatt. However, we have seen higher welcome bonuses. in the past. Still, we recommend applying now if you have a use in mind for the points in this offer and need the qualifying night credits for the tier.
As always, keep in mind the restrictions: You won’t be eligible to earn those bonus points if you earned a welcome bonus on a Hyatt card in the last 24 months. Second, since this is a Chase card, it is subject to the issuer’s decision. rule 5/24.
Related: How to Maximize World of Hyatt Redemptions
World of Hyatt Credit Card Benefits
He World of Hyatt Credit Card It comes with some notable advantages:
Annual free night certificate
Perhaps the biggest draw of the World of Hyatt card is its Category 1-4 annual free night certificatethat you will receive each account anniversary. You will also receive a second free night certificate after spending $15,000 in a calendar year.
You can get incredible value from this certificate both domestically and abroad. Here’s what TPG senior editorial director Nick Ewen have to say about this benefit:
I love getting Category 1-4 certificates on my World of Hyatt credit card. There are so many great options at this award level, as I’ve used it to stay at the Hyatt Centric Fort Lauderdale and the Andaz Savannah. However, I often look to use them during high demand events. For example, I booked the Grand Hyatt Tampa Bay after a Taylor Swift concert in 2023, when rates were over $900 per night, and my most recent redemption was at the Hyatt Place in Gainesville, Florida, on a football weekend this fall, where we avoided paying rates over $700.
Regardless of your destination, your free night certificate alone provides enough value to justify the $95 annual fee. That’s why this card can be ideal for any frequent traveler, even if you only stay at Hyatt once or twice a year.
Related: Best Hyatt Category 4 Hotels
elite status
It will be automatic discoverer state simply by having the card, which includes benefits such as late check out, preferred rooms and a 10% points bonus on eligible purchases. Late departure can be a big plus for travelers with delayed flights or those who want to sleep in before leaving.
Beyond that, you’ll receive five Elite nights deposited into your account each year. You’ll also earn extra nights when you spend: two for every $5,000 spent on the card.
By having this card and spending $15,000 in one year to earn that second Category 1-4 certificate, you’ll earn 11 Elite night credits, almost 20% of the way toward top-tier Hyatt Globalist status.
If you’re a renter, putting your rental on this card could be a great way to earn an extra free night certificate and extra Elite nights. Just keep in mind that most owners charge a small fee for credit card processing, but this will likely be offset by the value you get from these benefits.
Travel protections
Chase issues the World of Hyatt card, so you’ll receive many of the travel protections we’ve come to expect chase credit cardsincluding:
- Baggage delay insurance: Reimburses you for essential purchases like toiletries and clothing for baggage delays of more than six hours by a passenger carrier up to $100 per day for five days.
- Lost luggage refund: If the carrier damages or loses your or an immediate family member’s checked or carry-on luggage, you are covered up to $3,000 per passenger.
- Trip interruption and cancellation insurance: If your trip is canceled or cut short due to illness, severe weather or other covered situations, you may be reimbursed up to $5,000 per traveler and $10,000 per trip for your prepaid, non-refundable travel expenses, including passenger fares, tours and hotels.
- Rental Vehicle Collision Damage Waiver: Theft and collision damage coverage is provided for most automobiles in the U.S. and abroad. In the US, coverage is secondary to your personal insurance.
These protections aren’t as extensive as what you’d receive with a premium travel card, but that’s to be expected considering this card carries an affordable annual fee.
Related: Is the World of Hyatt Credit Card worth the annual fee?
Earn points with the World of Hyatt credit card
Cardholders will earn on the following rates:
Few cards offer bonuses for gym memberships, so fitness lovers may want to use this card to help finance their next Hyatt stay. This card’s Hyatt bonus category can be accumulated with the points you’ll earn as a Hyatt Rewards member.
The Discoverist status that comes with this card offers 5 points per dollar spent at eligible Hyatt properties, meaning you can earn up to 9 points per dollar spent at Hyatt with your card.
That being said, we don’t recommend this card for dining or travel in general. He Chase Sapphire Preferred® Card (see rates and fees) and the Chase Sapphire Reserve® (see rates and fees) are better options to consider for these categories.
The points earned by those two cards can be transferred to Hyatt.
Related: The best credit cards for general travel purchases.
Redeem points on the World of Hyatt credit card
By far the best use of Hyatt points is for award nights. Redemptions for standard rooms start at 3,500 points for an off-peak night at a Category 1 property and go up to 45,000 points for peak dates at a Category 8 property.
TPG Credit Card Writer cris nelson scored exceptional value by redeeming three nights during peak season during a busy summer weekend at the Story Hotel Riddargatan in Stockholm for just 12,000 points.
Hyatt also offers points and cash rewards, allowing you to pay half the regular price in points and half the standard rate in cash.
Additionally, you can upgrade stays paid for with points. Redeeming points for free nights is usually a better deal, but improve paid stays It may be worth it and won’t ruin your points reserves.
You can also transfer points to various partner airlines, but we don’t recommend this as the transfer ratio is 2.5:1. Hyatt also lets you redeem points for dining, spa visits, and other experiences, but you’ll get better value if you use points for hotel rooms.
Related: How to redeem points with the World of Hyatt program
What cards compete with the World of Hyatt credit card?
If you don’t stay at Hyatt properties enough to get good value from the World of Hyatt Credit Cardone of these might be more suitable:
For additional options, see our list of The best hotel rewards credit cards. and best credit cards for travel.
Related: The best credit cards for Hyatt stays
In a nutshell
Hyatt fans should definitely consider the World of Hyatt card. While it can’t provide top-tier elite status or statement credits, it does offer a valuable free night certificate and the chance to earn numerous elite night credits.
The free night certificate alone can justify this card’s $95 annual fee, so it should be easy for most travelers to afford. Even if you only stay at Hyatt once or twice a year, take the time to consider whether this card can still boost your award travel.
Apply here: World of Hyatt Credit Card
