Should You Pay For Hyatt Stays With The New World Of Hyatt Credit Card?

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The Chase Sapphire Reserve® Card is known for being a super card that offers a big welcome bonus, useful category bonuses, and a generous return on everyday spend. Between the $300 annual travel credit, Priority Pass membership, and triple points on dining and travel, this card has been a game-changer for me.

Triple points on travel beats most airline & hotel cards

I find the triple points on dining and travel on the Chase Sapphire Reserve to be industry leading categories, so virtually all of my dining and travel spend goes on the card. The one exception is that I sometimes buy airfare directly from airlines using The Platinum Card® from American Express ($550 annual fee), since it offers 5x points on airfare. The catch is that it doesn’t offer the same great travel coverage that the Sapphire Reserve offers.

What often surprises people is that the Sapphire Reserve is typically the best card to use for airline and hotel purchases as well, even better than a travel brand’s own co-branded card. I value Ultimate Rewards points at 1.7 cents each, so to me the card offers the equivalent of a 5.1% return on all travel spend, which is huge. Very few co-brand travel cards offer a return of better than 5% for spend with them.

For example, looking at hotel credit cards:

Not only does the Chase Sapphire Reserve offer a return that I value more highly, but it also offers significantly more flexible points, and when you have the option between flexible points and a similar number of points in a single currency, you should just about always take the flexible points.

Up until recently, I’d say the only hotel credit card that offered a better return than the Sapphire Reserve was the Hilton Honors American Express Aspire Card, which offers 14x Hilton Honors points per dollar spent. I value Hilton points at 0.4 cents each, so to me that’s a return worth 5.6%, making it marginally more lucrative than the Sapphire Reserve.

A new hotel credit card that beats the Sapphire Reserve for hotel spend

Hyatt’s old credit card (no longer open to new applicants) offers three World of Hyatt points per dollar spent at Hyatt hotels. Hyatt recently introduced The World of Hyatt Credit Card, which offers 4x points for spend at Hyatt hotels.

Personally I value World of Hyatt points at 1.5 cents each, meaning that the new card offers a return of 6% on Hyatt spend (by my valuation), which is significantly better than the 5.1% offered by the Chase Sapphire Reserve.

I commend Chase and Hyatt for coming up with a card that’s actually best for Hyatt hotel spend, and also for having a card that I’d argue offers the best return on spend of any hotel credit card.

Not only do I value the 4x points offered with The World of Hyatt Credit Card as being the equivalent of a 6% return, but by spending on the card you’re working towards some valuable thresholds:

  • If you spend $15,000 on the card in a cardmember year, you receive a Category 1-4 free night certificate
  • You receive two elite qualifying nights for every $5,000 spent

So while I think Hyatt’s new credit card is brilliant on many levels, on the most basic level I love it because it’s a hotel branded credit card that is actually worth using at hotels — what a novel concept!

Do you plan on using Hyatt’s new credit card for Hyatt hotel spend, or are you sticking to another card?


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Comments

  1. I have a few Hyatt reservations coming up, and I will definitely use my WoH card for those for reasons stated in the article.

  2. advice please, I have the old Hyatt and received my bonus May 12, 2016 so it has been 24 months. I lowered my CL from 7k to 4k last week. I plan to cancel the old Hyatt and apply for the new one. How much time should I wait to be auto approve. My last credit card application was in March 2018 for both a chase and Alaska air biz card. Prior to that No credit card application for over a year. Statement for old Hyatt card is early august.

    thanks

  3. Hyatt points only work at Hyatt locations while UR are way more flexible in term. Therefore, it is apple and orange comparison, and i am happily charge that to my CSR anytime over the Hyatt card. My 2 cents.

  4. stupid…stupid..stupid….My wife got approved and I turned around and booked a pre paid 5 night stay using my card (the OLD card). Tried to switch it over to my wife’s new card (and I’m on her account with my own card) and no go. Argh. My fault not Hyatt

  5. Lucky
    I thought I recalled from a previous post you use the platinum for airfare since you hadn’t had much experience with delayed flights/missed connections to make the Insurance worth the marginal 2 points lost by not using the Amex platinum. I guess i was mistaken.

    I use both for my airfare… I definitely default to Chase (or occasionally Citi prestige) when traveling in winter when planes are often delayed or I’m on a route with infrequent flights, but I’ll still use my Amex platinum about half the time. I probably subconsciously default to using whichever currency I have less of at the moment. These days it seems so easy to earn Chase points efficiently that I find myself using the Amex more for flying, but that might not be totally rational on my part.

  6. @df – you should be able to switch out card charges at the front desk upon check out on your upcoming stay

  7. I use the Hyatt card for Hyatt stays, however for stays of four nights (at pretty much any hotel) I almost always use the Citi Prestige.

  8. If one values a Hyatt point @ 1.5cpp then a Hilton point would be worth 0.5cpp on the same scale because one typically earns 3x more HH points than WoH points for equivalent spend. The return on the AMEX HH Aspire card would thus be an unprecedented 7% .

    As to the question “Should You Pay For Hyatt Stays With The New World Of Hyatt Credit Card?” The answer is unquestionably, yes. In my view, the 4x earned on Hyatt stays rescued the WoH card from oblivion.

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