Advertiser Disclosure

World of Hyatt Credit Card

Cory Santos

| Last updated on December 15th, 2023

World of Hyatt Credit Card

World of Hyatt Credit Card
BestCards refers to a variation of FICO Score 9, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card. Please note that the range shown here is our own estimation and not a guarantee of credit needed to be approved for any given card. Recommended Credit: Excellent / Good
Visa Processing Network
$95 Annual Fee

World of Hyatt Credit Card

  • 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Regular Purchase APR
  • 21.49% to 28.49% variable based on creditworthiness and the Prime Rate Balance Transfer APR
  • 29.99% variable based on the Prime Rate Cash Advance APR

At a Glance

Ideal for Hyatt loyalists, The World of Hyatt Credit Card is a hotel card that can rack up points in a hurry, culminating in multiple free night stays per year at the brand’s suite of locations.

  • Best Benefits
  • Rates & Fees
  • Why Should You Apply?
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening
  • Plus, earn 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
  • Earn 4X Bonus Points per $1 spent on purchases at all Hyatt hotel, plus 5X Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member
  • Earn 2X Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
  • Plus, earn 1X Bonus Point per $1 spent on all other purchases
  • Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary
  • Also receive one extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar yea
  • No foreign transaction fees
  • Regular Purchase APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 21.49% to 28.49% variable based on creditworthiness and the Prime Rate
  • Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
  • Penalty APR: Up to 29.99% variable based on the Prime Rate
  • Annual Fee: $95
  • Late Payment Penalty Fee: Up to $40
  • Return Payment Penalty Fee: Up to $40
  • You're a World of Hyatt member or frequently book hotel stays at Hyatt hotels
  • You're looking for a travel credit card you can use worldwide without paying foreign transaction fees
  • You regularly dine out or have a fitness club/gym membership
  • You're looking for a credit card with a big signup bonus and generous rewards earning rates

World of Hyatt Credit Card Review

As far as hotel credit cards go, The World of Hyatt Credit Card packs a powerful punch. A 30,000 point signup bonus kicks in once you’ve spent $3,000 within the first 3 months as a cardmember, and it increases to 60,000 Bonus Points if your expenses total $6,000 within the first 6 months.

 By our calculations, 60,000 Bonus Points can net you up to 10 free nights at Hyatt Category 1 hotels (World of Hyatt hotel categories range, from least to most luxurious, between 1 and 7). And those 60,000 Bonus Points don’t even include what you’ll be earning as you spend to reach that goal.

How to Earn Rewards

The World of Hyatt Chase Visa card earns 4X Bonus Points per $1 spent on Hyatt hotels, along with participating spas and restaurants. However, this number can go up to 9X Bonus Points per $1 if you’re a World of Hyatt member (which you will be, as the card also grants you automatic Discoverist status in its loyalty program). 

Here’s a list of Hyatt brands:

Park Hyatt® Hyatt Hyatt House Thompson Hotels
Miraval Hyatt Ziva Hyatt Residence Club Hyatt Centric
Grand Hyatt Hyatt Zilara Andaz Destination Hotels
Hyatt Regency Hyatt Place Alila Joie de Vivre Hotels and Resorts

On purchases at other restaurants, directly purchased airline tickets, local transit, and fitness memberships, you’ll earn 2 Bonus Points per $1. All other purchases earn 1X Bonus Point per $1, so regardless of where you use your card, you’ll be working your way up to increasing your Bonus Points total.

How to Redeem World of Hyatt Points

The easiest way for World of Hyatt members to redeem points is through award nights with participating properties.

Hotel stay reward nights rates vary depending on the category of the property, the date of the booking, and the location of the hotel or resort. Free nights in the program are bookable either with Points, or a combination of Points + Cash.

  • Points: Points bookings start as low as 5,000 for standard rooms to 10,000 points for premium suites with Category 1 hotels, up to 40,000 points-per-night for Category 8 properties.
  • Points + Cash: Points + Cash bookings provide greater flexibility, with as few as 2,500 points plus 50% of the standard rate required to book a standard room in a Category 1 property.

Other redemption options include transfers to approximately 30 partners, rental cards with select brands, or as spa or dining credits at participating Hyatt brands. Here is a full list of available World of Hyatt transfer partners:

Aeromexico Cathay Pacific JAL Royal Brunei Airlines
Air China China Airlines KLM Singapore Airlines
Air France China Eastern Airlines Korean Air Southwest
ANA Delta Air Lines Lufthansa Thai Air
American Airlines Emirates Multiplus Turkish Air
Asiana Airlines Etihad Qantas United Airlines
British Airways Hawaiian Airlines Qatar Airways Virgin Atlantic

Travel Credit Card Comaprison

World of Hyatt Credit Card

Chase Sapphire Preferred

Sam’s Club® Mastercard®
Annual fee $95 $95 None
Rewards Earn 4X at Hyatt, 2X on on local transit and commuting, restaurants, airline tickets purchased directly and fitness club and gym memberships, and 1X on everything else Earn 5X on travel purchased through Chase Ultimate Rewards, 2X on all other travel purchases, 3X on dining, 3X on groceries and streaming services, and 1X on all other purchases Earn 5% cash back on gas (on first $6,000 per year, then 1%), 3% back on Sam's purchases, dining, and takeout, and 1% back on all other purchases.
Perks 5 elite qualifying credits towards tier status each year, free night certificate 25% more value on points, DashPass, points transfers, GoPuff, Lyft credits N/A
Network Mastercard Visa Mastercard

Hyatt Perks

In addition to the award stays you can redeem with your accrued points, The World of Hyatt Credit Card gives you 1 free night every year on your cardmember anniversary. If you spend $15,000 per year, you’ll receive an additional free night on your anniversary. These free nights can only be redeemed at Category 1-4 hotels, though.

With Hyatt locations worldwide, The World of Hyatt Credit Card is meant to be used without geographic restrictions. As such, you won’t be charged foreign transaction fees, regardless of where you use the card. There is a $95 annual fee to counterbalance all the perks the card offers you, but it’s a nominal charge once you factor in the savings from all the free nights you can earn through your Bonus Points.

Related Article: The Ultimate World of Hyatt Program Guide

World of Hyatt FAQs

Here are some answers to commonly-asked questions about the World of Hyatt hotel loyalty program:

  • The World of Hyatt loyalty program includes a huge array of brands, includingAlila, Andaz, Caption, Destination Hotels, Exhale, Grand Hyatt, Hyatt, Hyatt Centric, Hyatt House, Hyatt Place, Hyatt Regency, Hyatt Residence Club, Hyatt Zilara, Hyatt Ziva, Joie de Vivre, Miraval, Park Hyatt, Thompson, and The Unbound Collection.
  • As of 2021, World of Hyatt has over 16 million members.
  • Yes, after 24 months of inactivity on the member’s account.
  • World of Hyatt Globalist status lasts at least 14 months, with the length of time depending on when you earned it. 

JP Morgan Chase and Hyatt Card Ratings

How does the World of Hyatt Card stack up? Here are a selection of expert reviews for the card, as well as an overview of JP Morgan Chase as a bank:

Should You Apply for the World of Hyatt Credit Card?

The World of Hyatt rewards program is one of the most lucrative loyalty programs currently available and Elite World of Hyatt membership status (Discoverist) from the card entitles cardholders to premium Wi-Fi access free of charge, complimentary breakfast, late check-out, and increased points-earning potential. The World of Hyatt credit card also offers a huge sign-up bonus – worth up to ten free nights with Hyatt brands (Category 1) – all for $95 per year.

Overall, the Hyatt Rewards credit card is an excellent value – especially for those who prefer the Hyatt portfolio of brands and properties. Those with existing Chase credit cards, including those that earn Ultimate Rewards points will find exceptional value with the card.  Using the Chase Ultimate Rewards to World of Hyatt 1:1 transfer can quickly help holders advance from Discoverist status – or even earn free nights quicker than usual.

Editorial Disclosure – The opinions expressed on's reviews, articles, and all other content on or relating to the website are solely those of the content’s author(s). These opinions do not reflect those of any card issuer or financial institution, and editorial content on our site has not been reviewed or approved by these entities unless noted otherwise. Further, lists credit card offers that are frequently updated with information believed to be accurate to the best of our team's knowledge. However, please review the information provided directly by the credit card issuer or related financial institution for full details.

Advertiser Disclosure

BestCards is an independent, Florida-based credit card comparison platform. Many of the card offers that appear on this site are from companies from which BestCards receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). BestCards does not include all card companies or all card offers available in the marketplace.