Hyatt Credit Card $15K First Year Sweet Spot

Filed Under: Chase, Credit Cards
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Last year 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 product 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 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 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 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

So, to earn the full welcome bonus you need to spend $6,000 within the first six months (which is a reasonable spend amount when you consider that only $3,000 needs to be spent within the first three months).

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.

Now, whether or not you actually want to value that free night certificate at 15,000 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 15,000 points, which could be well worth it. That’s a value of up to 24,000 points, which is the equivalent of up to ~2.67 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.

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

Bottom Line

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 huge 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 have it, and plan on doing the same in the coming year. So while it’s especially worthwhile 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?

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Comments
  1. I used 30K points earned from welcome bonus toward a night at PH Kyoto during next year’s Tokyo Olympics. The cash rate was above 2K. So 7 cents/point value! Hands down the best value of Hyatt point I ever achieved.
    Unfortunately, none of the hotels in Tokyo during the games has any room (not just reward room) available.

  2. Until Hyatt/Chase entice me enough I’ll keep holding the old Hyatt card. I don’t travel enough anymore for Globalist, the other perks just aren’t over the top for me yet.

  3. @Robert – I was with you then I got an upgrade offer that made it worth it to me. Normally I would cancel and get new sign-up bonus but value the card too much to be without it for 2 years.

  4. @Zich
    Did you score tickets to the games yet? I also want to warn you, Japan has a small subset of extremist who are really creative and crazy, stay safe.

  5. I put $15k on early (for the bonus & free night) but then received a Miraval offer for $250 on $500 spend & then 10k points for $2k on utilities. Along with monthly gym & Club Corp fees (both code as 2x) & Exhale 10x offers (local), I have put much more spend on this card then I originally planned or ever did with the old card. Along with all the new & exciting Hyatt brand properties. I am becoming a huge fan!

  6. I have the World of Hyatt credit card and agree, Lucky, with your value proposition. However, even though I won’t achieve Explorist or Globalist status with Hyatt, spending $15,000 does yield the additional free night certificate and enough elite night credits to help achieve the 20,000 point milestone benefits. That’s good enough for me!

  7. I recently switched to Hyatt from Marriott. This is probably the best co-branded card I’ve ever had in terms of the value I extract compared to annual fee. The bonus nights towards status, earn on spend, additional free night. It’s really a solid card.

  8. @dlp – the best offer I’ve gotten to upgrade is 5k points and still with a spend requirement. Not worth it at that rate. We’ll see how desperate they get

  9. I just received a different offer for this card. Instead of the 25k/25k points after a total of $6000 spend, I was offered a different option. “Earn a $200 statement credit after your first purchase with the World of Hyatt Credit Card. Plus, 1 free night at any category 1-7 hotel worldwide after you spend $3,000 on purchases within 3 months of account opening.”

    I think I’d rather have the 50k total points for the flexibility but the $200 credit along with a free night at up to a category 7 hotel could be useful. Any thoughts or has anyone seen a better offer?

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