I think hotel credit cards are incredibly underrated. They can offer huge perks that more offset their annual fees, ranging from free elite status to free night certificates, all of which can get you a lot of value.
While I have quite a few hotel credit cards, in this post I wanted to take a look at the hotel credit card that I spend the most money on, given the incentives for putting spending on the card.
World Of Hyatt Credit Card Basics For July 2022
I’d argue that the World of Hyatt Credit Card is one of the best hotel credit cards out there, thanks to its reasonable annual fee, as well as valuable perks.
What makes Hyatt’s personal credit card so brilliant is that it’s worth having regardless of whether you want to keep it just for the ongoing perks, or whether you want to spend money on it. Let’s take a closer look at what you need to know about this card.
Hyatt Card Welcome Bonus Of Up To 60,000 Points
The World of Hyatt Credit Card is offering a welcome bonus where you can earn up to 60,000 World of Hyatt points:
- Earn 30,000 World of Hyatt bonus points after spending $3,000 on purchases in the first three months
- Earn an additional one bonus point per dollar on purchases that earn one point per dollar on up to $15,000 spent in the first six months of account opening, for an additional 30,000 points
In reality this isn’t that great of a bonus, especially in comparison to the business version of the card. However, this has been the standard offer for quite a while now.
Hyatt Card Card Eligibility & Chase 5/24 Rule
The welcome bonus on the World of Hyatt Card isn’t available to those who currently have a personal Hyatt credit card, or those have received the new cardmember bonus on a personal Hyatt credit card in the past 24 months. However, you are eligible if you have the business version of the card.
Chase’s general card application rules apply, and that includes the 5/24 rule. With the 5/24 rule, you generally won’t be approved for Chase cards if you’ve opened five or more new card accounts in the past 24 months.
Hyatt Card Annual Fee
The World of Hyatt Credit Card has a $95 annual fee, and it isn’t waived for the first year. You can add additional cardmembers to your account at no extra cost. As I’ll explain below, this annual fee is so worth it even if you don’t spend money on the card, since you get an anniversary free night certificate.
Earning Points With The Hyatt Credit Card
The World of Hyatt Credit Card offers pretty good points earning opportunities. While this isn’t the card that I use for all of my spending, I strategically spend money on the card, and it works great for for me.
How good are the points earning rates?
Hyatt Card 4x Points At Hyatt Properties
The World of Hyatt Credit Card offers 4x points for spending at Hyatt hotels and resorts. While I use the Chase Sapphire Reserve® Card for hotel spending at most other hotel brands (as the card earns 3x points), I always use the World of Hyatt Card for spending at Hyatt hotels.
The 4x points category applies at all Hyatt properties, and even at Small Luxury Hotels of the World properties that are affiliated with Hyatt.
Hyatt Card 2x Points At Restaurants
The World of Hyatt Credit Card offers 2x points for restaurant spending globally, though personally this still isn’t a card I’d use for restaurants, given that some other cards offer 3-5x points.
Hyatt Card 2x Points On Airline Tickets
The World of Hyatt Credit Card offers 2x points on airline tickets purchased directly from airlines. Again, this isn’t the card I’d use for airline tickets, given that some other cards offer 3-5x points.
Hyatt Card 2x Points On Fitness Clubs & Gym Memberships
Hyatt has a focus on wellness, so one of the cool bonus categories is that you can earn 2x points on fitness clubs and gym memberships. For anyone wondering, this also includes group fitness businesses, like Barry’s Bootcamp, SoulCycle, etc.
This is an area where the card’s bonus category is industry-leading, as there aren’t many cards offering bonus rewards on fitness spending.
Hyatt Card 2x Points On Local Transit & Commuting
The World of Hyatt Card offers 2x points on local transit and commuting, which includes ride share services such as Lyft and Uber. Other cards still offer a better return on spending than this card does, though.
Hyatt Card 1x Points On Other Purchases
For categories in which you can’t earn 2-4x points, the World of Hyatt Card offers one World of Hyatt point per dollar spent. Generally speaking there are better cards for everyday spending, though as I’ll explain below, some of the spending bonuses could make it worth shifting spending onto this card.
Hyatt Card No Foreign Transaction Fees
The World of Hyatt Credit Card has no foreign transaction fees, so it’s an excellent card for purchases abroad. That’s especially true when staying at Hyatts abroad, as well as for dining and commuting outside the US.
Hyatt Card Contactless Pay
The World of Hyatt Credit Card features contactless pay technology. This means you can pay using your card without even swiping it whenever you see the contactless pay symbol.
World Of Hyatt Credit Card Benefits
The area where the World of Hyatt Credit Card really excels is when it comes to the benefits it offers. In my opinion, these benefits more than justify the annual fee, regardless of whether you’re spending nothing on the card, or are spending a significant amount.
The first three benefits below are perks that you get just for having the card, while the two after that can be earned for putting spending on the card.
Hyatt Card Anniversary Free Night
Just for having the World of Hyatt Credit Card you get a Category 1-4 free night certificate on your account anniversary every year. This will be issued shortly after your anniversary and is valid for 12 months.
Categories 1-4 cover a majority of Hyatt’s properties, and I’ve consistently been able to redeem this for hotels that retail for $250+ per night. This alone justifies the annual fee on the card.
Hyatt Card Complimentary Discoverist Status
You receive Hyatt’s entry-level Discoverist status for as long as you have the World of Hyatt Card. The status will post for the primary cardmember shortly after you are approved. Discoverist status comes with the following benefits:
- Upgrade to a preferred room, when available
- 2PM check-out, when available
- Premium internet
- Daily bottled water
Hyatt Card Five Elite Nights Towards Status Annually
Just for having the World of Hyatt Card you receive five elite qualifying nights towards status annually. You will receive these within eight weeks of being approved for the card (though usually much faster), and in subsequent years they will post within eight weeks of January 1.
This will be useful if you’re hoping to earn Hyatt’s Explorist status, Globalist status, and/or Milestone Rewards. For context, World of Hyatt Explorist status requires 30 elite nights, while World of Hyatt Globalist status requires 60 elite nights.
Hyatt Card Second Free Night When Spending $15,000
While you receive a Category 1-4 free night certificate annually just for having the card, you can earn a second free night certificate if you spend $15,000 on the card in a year. Note that as of 2022 you’re awarded this based on spending within the calendar year (January 1 through December 31), while previously this was awarded based on the cardmember year (which consists of the 12 statements following opening the card).
Hyatt Card Two Elite Nights For Every $5,000 Spent
In addition to the five elite nights you get just for having the card, you earn a further two elite qualifying nights for every $5,000 you spend on the World of Hyatt Card. This means that in theory, you could spend your way all the way to Explorist or Globalist status, if you wanted to.
Reaching the $5,000 threshold has nothing to do with the calendar or cardmember year — the counter simply resets every time you spend $5,000, and then you start earning towards your next two elite nights.
Hyatt Card Further Promotions
While there’s no guarantee this will continue to be offered in future years, historically Hyatt has offered additional promotions for those with the World of Hyatt Card, particularly when redeeming points.
For example, in the past we’ve seen World of Hyatt offer summer promotions, whereby card members can earn a partial refund on award nights. Hopefully we see more of these offers in the future.
Hyatt Card Chase Offers Access
One of the great features of Chase cards is access to Chase Offers, which provides savings on purchases with all kinds of retailers. The program has saved me a significant amount of money. For example, once in a while we see Chase Offers deals for 10% savings on Hyatt hotel stays.
Hyatt Card Secondary Car Rental Coverage
The World of Hyatt Card offers auto rental collision damage waiver coverage. Decline the rental company’s collision insurance and charge the entire rental cost to your card.
Coverage is provided for theft and collision damage for most cars in the United States and abroad. Do note that in the US, the coverage is secondary to your personal insurance, though.
Hyatt Card Protection With Trip Delays, Lost Luggage, And More
The World of Hyatt Card offers a variety of other protection when traveling, including:
- Trip Cancellation & Trip Interruption Insurance — be reimbursed up to $5,000 per trip when your trip is canceled or cut short due to sickness, severe weather, etc.
- Trip Delay Reimbursement — if your flight is delayed by more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket
- Lost Luggage Reimbursement — be reimbursed up to $3,000 per passenger if you or your immediate family member check or carry on luggage that is damaged or lost by an airline
- Baggage Delay Insurance — be reimbursed up to $100 per day for five days for essential purchases when your bag is delayed by over six hours
Make sure you check your cardmember agreement for all of the details, since there are terms & conditions.
Redeeming World Of Hyatt Points
The best value for redeeming World of Hyatt points is using the free night award chart. The great thing is that you earn elite nights for your stay even if you’re redeeming points or using a free night certificate.
Here’s World of Hyatt’s award chart (note that this reflects the new peak and off-peak pricing, which applies for stays as of March 2022):
There’s value to be had at all levels of the chart. As a general rule of thumb, I try to redeem at properties where I’m getting more than two cents of value per point. That’s because personally I value World of Hyatt points at ~1.5 cents each.
In other words, I’d redeem points at a Category 1 hotel during a standard period when the paid rate is $100+, I’d redeem points at a Category 7 hotel during a standard period when the paid rate is $600+, etc.
There’s so much value to be had at all levels of the award chart, and in particular, I love redeeming at Hyatt’s top properties.
Is The World Of Hyatt Credit Card Worth It?
Let me answer this very simply — if you’re eligible for the card and have any interest in staying at Hyatt properties then yes, the World of Hyatt Credit Card is absolutely worth it. This is a card I personally have, and that I wholeheartedly recommend.
With that simple answer out of the way, let’s talk more about the best strategy to take with the Hyatt Card — how much money should you spend on it, should you be putting all of your spending on this, and more.
Spend $15,000 Per Year On The Hyatt Card
Personally, my approach is to put $15,000 of spending on the World of Hyatt Card every year, and I think that’s a real sweet spot. As mentioned above, you get an anniversary free night certificate and five elite nights towards status annually just for having the card.
However, by spending $15,000 on the card in a year you receive:
- A second Category 1-4 free night certificate
- Six additional elite nights towards status, meaning I’m earning a total of 11 elite nights towards status annually with the card
As anyone who is a World of Hyatt Globalist member can attest to, the status is really valuable, and for many of us, the co-branded credit card makes it much easier to earn that status.
But even taking the value of the elite nights out of the equation, say you spend $15,000 on the card in categories on which you otherwise wouldn’t earn bonus points. You’re earning a Category 1-4 certificate that could be redeemed at a hotel costing up to 18,000 points, and that’s generally exactly how I redeem it.
So to me, that’s almost like earning over two World of Hyatt points per dollar spent, which is a great return on everyday spending. The reality is that I do even better than that, since most of that $15,000 of spending is at Hyatt hotels (where I earn 4x points), so the math works out even more favorably.
How Much Do You Have To Spend For Globalist Status?
I’ve had some people ask if it’s worth using this credit card to spend your way to Globalist status, which requires 60 elite nights. If you were to earn Globalist status from scratch, you’d need to spend $140,000:
- You get five elite nights towards status annually just for having the card
- You’d earn two more elite nights for every $5,000 spent, so spending $140,000 would earn you 56 elite nights, for a total of 61 elite nights
Personally I’d never spend all the way to Globalist status, but rather I’d use a hybrid approach, and would earn Globalist status partly through credit card spending and partly through actual stays. After all, if you’re not actually staying a significant number of nights, what’s the point of earning the status?
Is Hyatt Globalist Status Worth It?
Globalist status is my favorite top-tier hotel status, and it comes with all kinds of awesome perks. Just to share some of the benefits for those who qualify for the status with 60 elite nights:
- Unlimited complimentary suite upgrades, subject to availability at check-in
- Four confirmed suite upgrades, each of which can be used to confirm a suite upgrade at the time of booking for a stay of up to seven nights, when available
- Complimentary breakfast and/or club lounge access
- Guaranteed 4PM late check-out, except at resorts
- An additional Category 1-4 and Category 1-7 free night certificate
- Guest of Honor, where you can redeem your points for a friend or family member, and they get your status
- Waived resort/destination fees on all stays, and free parking on award stays
- Access to My Hyatt Concierge
I’ve been a Hyatt loyalist for well over a decade, and have consistently had great experiences.
Other Options For Earning Hyatt Points
While the World of Hyatt Card is awesome, I’d note that it’s not the only way to earn World of Hyatt points. You can also transfer over points from Chase Ultimate Rewards at a 1:1 ratio, which is one of my favorite uses of those points. There could be value in using:
- The Chase Sapphire Reserve® Card (review), which offers 3x points on dining and travel
- The Chase Sapphire Preferred® Card (review), which offers 3x points on dining, streaming services, and online grocery store purchases, and 2x points on travel
- The Ink Business Preferred® Credit Card (review), which offers 3x points on the first $150,000 spent annually on travel, shipping purchases, internet, cable and phone services, and advertising purchases made with social media sites and search engines
- The Chase Freedom Unlimited® (review), which in conjunction with one of the above cards earns 3x points on dining and drugstores, and 1.5x points on all other purchases
- The Chase Freedom FlexSM Credit Card (review), which in conjunction with one of the above cards earns 5x points in rotating quarterly categories, and 3x points on dining and drugstores
How Does The World Of Hyatt Business Card Compare?
- It offers a nice welcome bonus of 60,000 World of Hyatt points after spending $7,500 within three months, which is better than on the personal card
- It has a $199 annual fee, which is more than twice as much as on the personal card
- It offers up to $100 in Hyatt credits every anniversary year; receive a $50 statement credit twice when you spend $50 at a Hyatt with the card
- It offers five elite nights towards status for every $10,000 spent in a calendar year
- It offers Discoverist status for as long as you have the card, for you and five employees
- If you spend $50,000 on the card in a calendar year, you can receive 10% back on subsequent award redemptions, up to 20,000 points back per year
Personally I think the personal card is generally more rewarding, though the business version of the card earns you elite nights at an accelerated rate.
The World of Hyatt Credit Card is exceptional. It’s a card I have and a card I spend at least $15,000 on per year.
The card is worth having even if you don’t plan on putting spending on it — you get an anniversary free night certificate you can use at a hotel that costs significantly more than the annual fee, you get complimentary Discoverist status, and you get five elite nights towards a higher status tier.
Beyond that it can be worth putting spending on the card, thanks to the unique bonus categories (4x points on Hyatt stays and 2x points on fitness and gyms), as well as the additional elite nights and second free night certificate.