Hyatt provides its loyal vacationers a singular benefit over the opposite main lodge chains relating to incomes factors.
In contrast to different massive lodge manufacturers like Hilton, Marriott and IHG, which have switch partnerships with packages like Chase Final Rewards and American Specific Membership Rewards, Hyatt is the one one which usually presents strong switch values.
Given how common the World of Hyatt program is, many individuals ponder whether it is higher to earn Chase Final Rewards factors with the intention of transferring them to Hyatt or just sticking to the World of Hyatt Credit score Card (see charges and costs).
The World of Hyatt Credit score Card
World of Hyatt provides two cobranded bank cards from Chase: the World of Hyatt Credit score Card and the World of Hyatt Enterprise Credit score Card (see charges and costs).
Let’s overview a few of the key particulars concerning the private card.
- Welcome provide: Earn two free nights after spending $4,000 on purchases within the first three months from account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening. In complete, this welcome provide is price as much as $1,037 primarily based on TPG’s July 2025 valuations.
- Annual charge: $95.
- Earnings charge: Earn 4 factors per greenback spent at Hyatt accommodations; 2 factors per greenback spent on airfare bought straight with the airways, eating places, native transit and commuting (together with ride-hailing companies) and health membership/gymnasium memberships; and 1 level per greenback spent on all different purchases.
- Notable card advantages: Obtain a free Class 1-4 free night time certificates annually in your account anniversary and complimentary Hyatt Discoverist standing, and obtain 5 elite night time credit annually, plus earn two extra qualifying nights for each $5,000 spent on the cardboard.
For extra particulars, learn our full opinions of the World of Hyatt bank card and the World of Hyatt enterprise bank card.
Incomes potential and redemptions
Let’s begin with an apparent drawback of sticking solely to the World of Hyatt bank card: You are giving up entry to all of Chase’s different switch companions, together with United Airways, British Airways and Singapore Airways.
The pliability of those packages drives a lot of the worth of Chase Final Rewards factors, which is why TPG’s July 2025 valuations peg them at 2.05 cents every in comparison with simply 1.7 cents every for Hyatt.
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Until you are sticking solely to highway journeys, you may want a solution to journey to no matter Hyatt property you are staying in, and Chase Final Rewards factors are probably the greatest choices for getting you there.
This flexibility is additional enhanced by playing cards just like the Chase Sapphire Reserve® (see charges and costs), which provides redemption charges of as much as 2 cents per factors while you redeem your factors via Chase Journey℠ with the brand new Factors Enhance function.
Hyatt factors, then again, can solely be redeemed for stays and upgrades at Hyatt accommodations.
Now let’s flip our consideration to bonus classes and welcome provides and see how the World of Hyatt card stacks up in opposition to the three hottest Final Rewards-earning playing cards:
| Card | Chase Sapphire Reserve | Chase Sapphire Most well-liked® Card (see charges and costs) | Ink Enterprise Most well-liked® Credit score Card (see charges and costs) | World of Hyatt Credit score Card |
|---|---|---|---|---|
| Annual charge | $795 | $95 | $95 | $95 |
| Welcome provide | Earn 100,000 bonus factors plus a $500 Chase Journey credit score after spending $5,000 on purchases within the first three months of account opening.
It is vital to notice that the $500 Chase Journey credit score phrases state: The promotional credit score is legitimate for a one-time use solely, when you apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability. |
Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. | Earn 90,000 bonus factors after spending $8,000 on eligible purchases within the first three months of account opening.
|
Earn two free nights after spending $4,000 on purchases within the first three months from account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening. |
| Incomes charges |
Purchases that qualify for the annual $300 journey credit score won’t earn factors |
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At this level, you may must take a tough take a look at your personal spending patterns to see which card comes out forward. Certain, the World of Hyatt card earns essentially the most factors for Hyatt purchases, however when you’re regularly reserving award stays, that class bonus won’t assist you to that a lot.
Plus, incomes extra factors is not at all times an important factor, as Hyatt factors are much less versatile (and due to this fact much less invaluable) than Chase Final Rewards factors.
In case you’re making an attempt to resolve between the Chase Sapphire Reserve and the World of Hyatt card, the Sapphire Reserve has a transparent edge in airfare booked straight and eating purchases.
Nevertheless, the playing cards share the identical incomes charge on Hyatt lodge purchases, however the factors earned on the Sapphire Reserve are price barely extra. Hyatt’s saving grace is the distinctive bonus class for health golf equipment and gymnasium memberships.
Associated: The facility of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
Balancing perks and annual charges
In fact, welcome bonuses and bonus classes are just one element of choosing the right bank card. Discovering essentially the most perks for the bottom annual charge is one other vital consideration.
The World of Hyatt card provides a free night time certificates annually in your account anniversary that is legitimate at any Class 1-4 lodge. You may actually get outsize worth when you time these redemptions properly, such because the Class 4 Thompson Washington, D.C., which works for nearly $600 per night time throughout peak season dates.
You may additionally get pleasure from complimentary Hyatt Discoverist standing, which may add just a few hundred {dollars} of worth to your annual travels via perks like late checkout and bonus factors. Nevertheless, the perks of this card are restricted to Hyatt stays.
In order for you a card that can improve your journey on the airport, accommodations, while you’re renting a automotive and extra, you may need a card just like the Chase Sapphire Reserve or Sapphire Most well-liked as an alternative.
For instance, even occasional vacationers will get extra worth out of the Reserve’s Precedence Cross Choose membership and concierge service than they may out of the World of Hyatt card’s Hyatt Discoverist standing.
Plus, you possibly can even use your $300 annual journey credit score from the Sapphire Reserve to cowl bills at a Hyatt property.
Associated: How a lot do it is advisable to break even factors with the Chase Sapphire Reserve?
The case for getting greater than 1 card
On the finish of the day, it is attainable for a lot of Hyatt loyalists to carry a Chase Sapphire card (or each) and the World of Hyatt card to get one of the best of each worlds. The largest caveat is that every one the playing cards talked about on this publish are restricted by Chase’s 5/24 rule, which means you may be robotically rejected when you’ve opened 5 or extra playing cards within the final 24 months.
Account for the chance price of utilizing up your 5/24 slots on these purposes. It is also vital to notice that Chase’s new Sapphire card welcome bonus eligibility guidelines now not enable one per 48 months.
Nevertheless, in case you are close to 5/24 and might solely get one card, I like to recommend going the Sapphire route as a result of it offers way more flexibility, particularly in case you are not a Hyatt loyalist and wish different lodge switch choices.
Backside line
Cobranded airline and lodge playing cards have a troublesome time measuring up in opposition to transferable factors playing cards that supply a greater return and extra advantages, however there is a compelling case to be made for the World of Hyatt card. On the very least, the free night time certificates is sufficient to negate the annual charge. Plus, when you regularly end up paying for Hyatt stays, these 4 factors per greenback spent will add up rapidly.
In case you choose extra flexibility in how one can redeem your factors, take into account an Final Rewards-earning Chase card that’ll allow you to reap the benefits of a number of switch companions. In case you’re someplace within the center and wish one of the best of each worlds, you may also apply for the World of Hyatt card and an Final Rewards-earning card — simply ensure you’re underneath Chase’s 5/24 rule while you apply.
Apply right here: World of Hyatt Credit score Card
Apply right here: World of Hyatt Enterprise Credit score Card
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most well-liked
Apply right here: Ink Enterprise Most well-liked
Associated: The way to calculate 5/24 standing
