In 2018 we saw the introduction of The World of Hyatt Credit Card. This is one of my favorite hotel credit cards thanks to its great welcome bonus, perks just for having the card, and ongoing rewards for spending.
World Of Hyatt Credit Card Benefits
One of the reasons I consider this card to be so well thought out is because Chase and Hyatt created a card that’s not just worth keeping for the perks, but that’s also worth spending money on.
In my experience it’s often one or the other — some cards are worth keeping for the perks but not worth spending on, while other cards are worth spending on but don’t otherwise offer many perks.
Perks For Having The Hyatt Card
The World of Hyatt Card offers several great perks just for having the card, including:
- Discoverist status for as long as you have the card
- Five elite qualifying nights every year just for having the card
- An anniversary free night certificate valid at a Category 1-4 property
I’ve used my Category 1-4 free night certificate at the Park Hyatt Saigon
Perks For Spending Money On The Hyatt Card
Beyond the perks for just having the card (which more than justify the annual fee, in my opinion), The World of Hyatt Credit Card offers the following incentives for spending:
- Two elite qualifying nights for every $5,000 spent on the card, which can help you towards earning Globalist status
- A second Category 1-4 free night certificate when you spend $15,000 on the card in a cardmember year
- 4x points for spending at Hyatt hotels and resorts, and 2x points on dining at restaurants, airline tickets purchased directly from airlines, on fitness club and gym memberships, and on local transit and commuting, including ridesharing services
Globalist members receive suite upgrades, subject to availability
The $15,000 First Year Sweet Spot
While different people will value spending money on this card differently, it is worth explicitly calling out the sweet spot that exists for spending at least $15,000 on the card per year, especially the first year.
The 50K Welcome Bonus
The World of Hyatt Credit Card currently offers a welcome bonus of up to 50,000 bonus points:
- Earn 25,000 bonus points after spending $3,000 within the first three months
- Earn another 25,000 bonus points after spending a total of $6,000 within the first six months
To earn the full welcome bonus you need to spend $6,000 within the first six months. That’s a reasonable spend requirement when you consider that only $3,000 has to be spent within the first three months, so you just need to spend an average of $1,000 per month for six months.
Redeem Hyatt points at Alila Jabal Akhdar in Oman
Category 1-4 Free Night Certificate
Just about everyone is going to want to spend at least $6,000 to earn the full bonus, but then you’re already 40% of the way towards the spend threshold for earning a Category 1-4 free night certificate (in addition to the one you’ll get on your account anniversary every year).
Ordinarily a Category 4 hotel would cost 15,000 points per night, so spending an incremental $9,000 would get you a night at one of those hotels.
Keep in mind that the value of this certificate is potentially increasing as of March 2020, as Hyatt is introducing peak and off-peak award pricing. With these changes, a Category 4 property would cost:
- 12,000 points during off-peak period
- 15,000 points during standard period
- 18,000 points during peak period
Now, whether or not you actually want to value that free night certificate at up to 18,000 points is up to you. Given the lack of flexibility (you have to redeem at exactly a Category 4 to maximize value, it’s only valid for a year, etc.), some might apply a discount to valuing it.
However, if you’re able to get full value out of it, spending $9,000 on the card would earn you 9,000 World of Hyatt points, plus a certificate worth up to 18,000 points, which could be well worth it. That’s a value of up to 27,000 points, which is the equivalent of up to 3x Hyatt points per dollar spent, which I’d consider to be excellent.
That assumes you’re not spending in the categories that are eligible for 2-4x points, in which case you’d be earning even more points.
The Park Hyatt Istanbul is a Category 4 property
Six Additional Elite Nights
For spending $15,000 on the card in a year you’d earn six elite qualifying nights towards status, in addition to the five you earn annually just for having the card. That’s a total of 11 elite nights per year.
To some people that may be worth hundreds of dollars, and to others that may be worth zero. In my case that helps me requalify for Globalist status.
The Hyatt Card helps me earn Globalist status
Spending $15,000 In Subsequent Years
For what it’s worth, I picked up this card in 2018, and spent $15,000 within the first cardmember year. I received my additional Category 1-4 free night certificate in March 2019.
Now my strategy remains the same — I always spend money on this card towards the beginning of the year. My cardmember year (for the purposes of earning the Category 1-4 free night award) ends in March, but I am waiting to spend because I’d rather get the additional elite nights from spending for this year.
I didn’t need them last year, since I had already qualified. So that means by spending $15,000 on the card in the next couple of months I’ll start the year with 11 elite nights with Hyatt (the five you get just for having the card, plus an additional six for spending).
Overall I think hotel credit cards are incredibly underrated, since they can be worth holding onto just for the perks they offer, if nothing else. There aren’t that many hotel credit cards that are actually worth spending money on, though The World of Hyatt Credit Card is an exception.
In addition to the big welcome bonus and ongoing perks offered by the card, it can also be worth spending money on the card, both to earn a free night certificate, and to spend your way towards Globalist status.
This is exactly what I’ve done, for example — I spent $15,000 on the card in the first year I had it, and am doing the same for the second year.
While it’s especially worthwhile to spend that much in the first year (given the bonus, which requires $6,000 of spending), I think the value proposition is also there in subsequent years.
If you have The World of Hyatt Credit Card, how much spend are you putting on the card in the first year?