Resort bank cards are fascinating. They have an inclination to supply many advantages on the lodge model related to the cardboard however aren’t sometimes robust playing cards to your on a regular basis spending.
The World of Hyatt Credit score Card has many followers and comes with a modest $95 annual price, however does that imply it is price it? Simply because a card is standard amongst some would not mechanically make it an excellent match to your pockets.
Here is a have a look at what you get from the World of Hyatt card annually so you may make up your individual thoughts.
Welcome supply
New candidates for the World of Hyatt card can earn as much as 65,000 bonus factors: 35,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as a further 30,000 bonus factors by incomes 2 bonus factors whole per $1 spent within the first six months from account opening on purchases that usually earn 1 bonus level, on as much as $15,000 spent. This supply ends on March 6.
The welcome bonus is price as much as $1,105, based mostly on TPG’s February 2025 valuations.
The obvious option to redeem Hyatt factors is for lodge stays with World of Hyatt. This consists of not simply lodges with “Hyatt” within the title, however different Hyatt-owned manufacturers like Small Luxurious Resorts of the World as properly. Resort redemptions can embody free night time awards and Factors + Money funds.
You can also redeem factors for eating, spa or assembly credit, Discover Experiences, rental vehicles and room upgrades.
World of Hyatt makes use of a peak and off-peak award chart, that means you will pay extra factors for lodge stays round holidays and through busy journey seasons. Conversely, when you can journey at less-popular occasions, you may shell out fewer factors.
Off-peak pricing at Class 1 properties begins at simply 3,500 factors per night time. Hyatt properties are listed in eight completely different classes, with peak pricing at Class 8 properties topping out at 45,000 factors per night time.
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You can also prime up your World of Hyatt account with 1:1 transfers from Chase Final Rewards. These factors ought to switch immediately.
Associated: Finest Hyatt Class 4 lodges, in response to Globalists
Annual Free Evening award
Annually in your cardholder anniversary, you will obtain a free night time award. It may be used at Class 1-4 lodges worldwide for one free night time. It is also price stating that you just will not pay resort charges on award stays with Hyatt.
This profit alone can justify the Hyatt card’s $95 annual price since you may redeem your free night time for $200 or extra in worth with minimal effort.
Associated: Finest Hyatt lodges
Earn one other free night time award
Along with the complimentary free night time award obtained annually, you may earn a second free night time award (legitimate at Class 1-4 properties) by spending $15,000 on purchases inside a calendar yr on the World of Hyatt card.
Associated: Why I goal to spend $15K on my World of Hyatt Credit score Card annually
Elite standing and associated advantages
As a cardholder, you will obtain complimentary Discoverist standing annually. That is the entry-level standing tier in World of Hyatt, but it surely affords stable worth and perks.
It affords complimentary bottled water throughout your keep, late checkout (when out there) and most well-liked room upgrades throughout the similar room class. Discoverists also can profit from the Hyatt-American Airways partnership.
Moreover, you will additionally earn 10% bonus factors on money stays (5.5 factors per greenback spent as a substitute of 5 factors).
Incomes Discoverist standing sometimes requires staying at Hyatt properties for no less than 10 nights per yr. Hyatt loyalists can possible attain Discoverist standing on their very own annually, however those that journey occasionally or usually are not loyal to at least one model will not be in a position to take action. That may make this card’s complimentary Discoverist standing very interesting.
With the private World of Hyatt card, you will earn two tier-qualifying night time credit towards standing for every $5,000 spent on the cardboard. Thus, spending the $15,000 on purchases to unlock the free night time award (detailed above) would additionally yield a further six tier-qualifying nights annually. There isn’t any restrict to the variety of tier-qualifying nights earned by way of bank card spending.
Associated: World of Hyatt card vs. World of Hyatt Enterprise card
Different cardmember perks
Along with the above, you will take pleasure in a number of journey protections. These embody journey delay reimbursement, baggage delay insurance coverage, auto rental collision injury waiver, misplaced baggage reimbursement and journey interruption and cancellation insurance coverage.
You will earn World of Hyatt factors on every buy along with your card, which TPG’s February 2025 valuations peg at 1.7 cents every. At Hyatt lodges, you will earn 4 factors per greenback. That is on prime of the factors you will earn by being part of Hyatt’s loyalty program.
You will earn 2 factors per greenback spent at eating places, on transit, commuting, health membership and gymnasium memberships and on flights bought straight from airways, plus 1 level per greenback spent on different purchases.
These charges signify a 6.8%, 3.4% and 1.7% return on spending, respectively.
You are able to do significantly better than a 1.7% return on on a regular basis spending with different bank cards, but it surely’s price contemplating how these purchases could be extra priceless when serving to you earn a bonus Class 1-4 free night time award and tier-qualifying nights towards standing annually.
Associated: Which bank card must you use for Hyatt stays?
Backside line
The complimentary free night time you obtain annually as a World of Hyatt cardholder ought to simply offset the $95 annual price. Different advantages — such because the points-earning construction and complimentary elite standing — fluctuate in worth relying on how you utilize them.
If you need to use these advantages, the annual price is well price it annually. If not, one other card — maybe one that gives easy money again — could also be higher suited to your pockets.
To be taught extra, see our full overview of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
