Over the summer The World of Hyatt Credit Card was introduced, and it’s a card that has been on my radar ever since. I applied for the card a couple of weeks ago, and was surprised by the results. Let me explain.
Why I wanted The World of Hyatt Credit Card
The World of Hyatt Credit Card is offering a welcome bonus of up to 50,000 World of Hyatt points — 25,000 World of Hyatt bonus points after spending $3,000 within the first three months, plus another 25,000 bonus points after spending a total of $6,000 within the first six months.
More importantly, this is a card that I’ll get plenty of value out of long term, as it offers:
- Five elite qualifying nights every year just for having the card
- An additional two elite qualifying nights for every $5,000 spent on the card
- An anniversary free night certificate valid at a Category 1-4 property annually
- An additional anniversary free night certificate when you spend $15,000 on the card in a cardmember year
This card also has some great bonus categories, and personally it’s a card I plan on spending a minimum of $15,000 on each year, in which case I’d get a total of 11 elite qualifying nights and two anniversary free night certificates on the card every year.
Why I hadn’t applied for the card before
I’ve applied for almost no credit cards the entire year since I’ve been trying to get under Chase’s 5/24 limit. I finally fell under that limit as of October 1, 2018. Following that I:
- Applied for the Ink Business Preferred® Credit Card in early October
- Applied for the Ink Business Unlimited® Credit Card in early November (I recommend waiting one month between Chase business applications)
- Applied for the Hilton Honors American Express Aspire Card in early November as well
That couldn’t have worked out better! My plan was then to pick up The World of Hyatt Credit Card.
Then 5/24 expanded!
My plan was to apply for The World of Hyatt Credit Card in early December, as I like to wait at least a month between Chase business applications.
However, on November 14 there started being reports that Chase had finally implemented the 5/24 restriction on all of their cards. Ugh! I really wanted the Hyatt Card, so I figured I was in trouble, since after applying for the Hilton Amex I was no longer below the 5/24 limit.
But I figured what the heck, I might as well apply for the card. However, I figured I’d be rejected:
- I had picked up a Chase card a couple of weeks prior, and two Chase cards since the beginning of the previous month
- I was once again at 5/24 (though my credit score didn’t yet show the newly opened Hilton Card)
I applied for the card and got a “pending decision,” and figured I had no chance of being approved, so I just let things be. However, a few days ago, nearly two weeks after applying for the card, I noticed that I had an extra five elite qualifying nights in my Hyatt account, and I also noticed The World of Hyatt Credit Card in my Chase account online.
So somehow I managed to get approved. I guess the Amex card that I applied for hadn’t quite hit my personal credit yet, and they were fine approving me for a third Chase card in less than two months (though I hadn’t applied for any other Chase cards in a long time).
Suffice to say that I’m a very happy camper — I got all the cards I wanted to get while under 5/24, and have an excellent Chase card portfolio now.
Otherwise I would have found the Hyatt Card to be worth waiting for since it makes such a difference with my Hyatt status, and I may have just not applied for any other cards until I next fell under 5/24, which would have been next May.
Sometimes you just gotta apply for cards and see what happens, I guess!