The World of Hyatt Credit score Card (see charges and charges) has many followers and comes with a modest $95 annual price, however does that imply it is value it?
That is the one private cobranded bank card providing from World of Hyatt, so if you happen to’re loyal to the award-friendly lodge chain, it’s possible you’ll wish to take into account it.
Here is a take a look at what you get from the World of Hyatt card annually so you can also make up your thoughts.
Welcome provide
New candidates for the World of Hyatt card can earn:
- Two free nights at any Class 1-4 Hyatt lodge after spending $4,000 on purchases within the first three months from account opening
- 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening
This provide ends Aug. 28.
The free nights and factors included on this bonus are value as much as $1,037 per TPG’s July 2025 valuations. Word that that is solely the case if you happen to attain each spending necessities and maximize the 2 free nights for 18,000 factors every at a Class 4 property.
The obvious option to redeem Hyatt factors is for lodge stays with World of Hyatt. This contains not simply lodges with “Hyatt” within the identify, however different Hyatt manufacturers like Small Luxurious Motels of the World as effectively. Lodge redemptions can embody free evening awards and Factors + Money funds.
You can too redeem factors for eating, spa or assembly credit, Discover Experiences, rental vehicles and room upgrades.
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World of Hyatt makes use of a peak and off-peak award chart, which means you will pay extra factors for lodge stays across the holidays and through busy journey seasons. Conversely, if you happen to can journey at quieter occasions, you’ll be able to redeem fewer factors.
Off-peak pricing at Class 1 properties begins at simply 3,500 factors per evening. Hyatt properties have eight completely different classes, with peak pricing at Class 8 properties topping out at 45,000 factors per evening.
You can too high up your World of Hyatt account with 1:1 transfers from Chase Final Rewards. These factors ought to switch immediately.
Associated: Greatest Hyatt Class 4 lodges, in accordance with Globalists
Annual free evening award
Annually in your cardholder anniversary, you will obtain a free evening award. It may be used at Class 1-4 lodges worldwide for one free evening. It is also value declaring that you simply will not pay resort charges on award stays with Hyatt.
This profit alone can justify the Hyatt card’s $95 annual price since you’ll be able to redeem your free evening for $200 or extra in worth with minimal effort.
Associated: The perfect Hyatt lodges on the planet
Earn a second free evening award
Along with the complimentary free evening award obtained annually, you’ll be able to earn a second free evening award (legitimate at Class 1-4 properties) by spending $15,000 on purchases in a calendar 12 months in your card.
Associated: Why I intention 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, however it affords strong worth and perks.
It affords complimentary bottled water throughout your keep, late checkout (when accessible) and most well-liked room upgrades throughout the similar room class (when accessible).
Moreover, you will additionally earn 10% bonus factors on money stays (5.5 as a substitute of 5 factors per greenback spent).
Incomes Discoverist standing sometimes requires staying at Hyatt properties for no less than 10 nights per 12 months. Hyatt loyalists can probably attain Discoverist standing on their very own annually, however those that journey sometimes or should not loyal to at least one model might 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 evening credit towards standing for every $5,000 spent on the cardboard. Thus, spending the $15,000 on purchases to unlock the free evening award (detailed above) would additionally yield a further six tier-qualifying nights. There isn’t any restrict to the variety of tier-qualifying nights earned by 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, together with:
You will earn World of Hyatt factors on every buy along with your card. At Hyatt lodges, you will earn 4 factors per greenback, and that is on high 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 and on commuting, health membership and gymnasium memberships, flights bought straight from airways and transit; and 1 level per greenback spent on different purchases.
These charges signify a 6.8%, 3.4% and 1.7% return on spending, respectively, based mostly on TPG’s July 2025 valuations.
You are able to do a lot better than a 1.7% return on on a regular basis spending with different bank cards, however it’s value contemplating how these purchases could be extra beneficial when serving to you earn a bonus Class 1-4 free evening award and tier-qualifying nights towards standing annually.
Associated: Which bank card must you use for Hyatt stays?
Backside line
The complimentary free evening 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 — range in worth relying on how you employ them.
Should you can maximize these advantages, the annual price is definitely value it annually. If not, one other card — maybe one that gives easy money again — could also be higher suited to your pockets.
To study extra, see our full assessment of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
