World of Hyatt Credit score Card overview
With a rewarding loyalty program and beneficiant card advantages, the World of Hyatt Credit score Card is likely one of the prime resort playing cards available on the market. Cardholders earn 4 factors per greenback on all Hyatt spending, and you will get a Class 1-4 free-night award annually you retain the cardboard and one other whenever you spend $15,000 in a calendar 12 months. Hyatt factors are the most beneficial resort factors, and free nights begin at solely 3,500 factors. Card Ranking*: ⭐⭐⭐⭐½
*Card Ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.
Because of its stable redemption potentialities and elite advantages, World of Hyatt is one in all our favourite loyalty applications at TPG.
The World of Hyatt Credit score Card would not have the heavy-hitting advantages you will discover with extra premium resort playing cards, however its perks are worthwhile sufficient to simply justify the modest $95 annual charge.
The advisable credit score rating for this card is above 670.
However does it deserve a spot in your pockets? Let’s dive into the small print under.
World of Hyatt execs and cons
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World of Hyatt Credit score Card welcome supply
The World of Hyatt card is at present providing 5 Class 1-4 free evening award certificates after spending $4,000 within the first three months from account opening.
The welcome supply offers 5 free nights, which can be utilized in several methods. They can be utilized for Class 1 inns, which might value 3,500 factors per evening; nevertheless, you will maximize the certificates by utilizing them at Class 4 inns, which may value as much as 18,000 factors per evening.
TPG’s October 2024 valuations peg Hyatt factors at 1.7 cents every, so should you maximize the free evening certificates by utilizing them at Class 4 inns on peak dates, the sign-up bonus is price as much as $1,530.
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As at all times, notice the restrictions: You will not be eligible to earn these bonus factors should you’ve earned a sign-up bonus on a Hyatt card inside the previous 24 months. And since this can be a Chase card, it is topic to the notorious 5/24 rule. You will wish to make sure you’re eligible for the cardboard and its bonus earlier than making use of.
Associated: The right way to maximize World of Hyatt redemptions
World of Hyatt Credit score Card advantages
The World of Hyatt Credit score Card comes with some notable perks:
Annual free evening certificates
One of the best ongoing profit from the World of Hyatt card is the annual free-night certificates at a Class 1-4 Hyatt property, which you will obtain each account anniversary. You will additionally get a second free evening after spending $15,000 in a calendar 12 months.
You may get some unbelievable worth from this certificates each domestically and overseas. This is what TPG senior editorial director Nick Ewen, has to say about this perk:
I like incomes Class 1-4 certificates on my World of Hyatt bank card. There are such a lot of nice choices at this award stage, as I’ve used it to remain on the Hyatt Centric Fort Lauderdale, Andaz Savannah and even the Grand Hyatt Tampa Bay after a Taylor Swift live performance — when charges had been going for greater than $900 per evening! However my most frequent spot to make use of these certificates is the Hyatt Regency Orlando Airport. When I’ve an early-morning flight (or late-night arrival) with my household, it is so nice to have a spot to remain proper within the terminal.
No matter your vacation spot, your free evening certificates alone offers sufficient worth to justify the $95 annual charge.
Associated: One of the best Hyatt Class 4 inns
Elite standing
You will get automated Discoverist standing just by having the cardboard, which incorporates advantages akin to late checkout, most well-liked rooms and a ten% factors bonus on eligible purchases. The late checkout perk is invaluable to me, particularly when I’ve a late night flight and wish to clean up beforehand.
Past that, you get 5 elite nights deposited to your account annually, and then you definately’ll additionally earn extra nights with spending — two for each $5,000 spent on the cardboard. In different phrases, by holding the cardboard and spending $15,000 in a 12 months to snag that second Class 1-4 certificates, you will get 11 nights of credit score — almost 20% of the best way to top-tier Hyatt Globalist standing.
Journey protections
Chase points the World of Hyatt card, so you will obtain most of the journey protections we have come to anticipate from Chase bank cards, together with:
- Baggage delay insurance coverage: Reimburses you for important purchases like toiletries and clothes for luggage delays over six hours by passenger provider as much as $100 a day for 5 days.
- Misplaced baggage reimbursement: When you or an instantaneous member of the family examine or carry-on baggage broken or misplaced by the provider, you are coated as much as $3,000 per passenger.
- Journey interruption and journey cancellation insurance coverage: In case your journey is canceled or minimize quick by illness, extreme climate and different coated conditions, you will be reimbursed as much as $5,000 per individual and $10,000 per journey to your pre-paid, nonrefundable journey bills, together with passenger fares, excursions and inns.
- Auto rental collision injury waiver: Protection is supplied for theft and collision injury for many automobiles within the U.S. and overseas. Within the U.S., protection is secondary to your private insurance coverage.
Once more, this advantages checklist is not as in depth as on another extra premium resort playing cards, however it presents worth properly past the cardboard’s $95 annual charge.
Associated: Is the World of Hyatt Credit score Card well worth the annual charge?
Incomes factors on the World of Hyatt Credit score Card
Cardholders will earn 4 factors per greenback on purchases in any respect Hyatt properties, 2 factors per greenback at eating places and on direct airfare, native transit and commuting (together with ride-hailing providers) and fitness center membership purchases, and 1 level per greenback on all different purchases.
Incomes 4 factors per greenback on Hyatt stays is greater than you will earn with every other card, and it is price noting that you will earn a further 5 factors per greenback on Hyatt purchases as a Discoverist member within the World of Hyatt program, making this class significantly profitable. Plus, that is one in all just a few playing cards that earn bonus factors on fitness center membership purchases.
Nonetheless, you will be higher off utilizing the Chase Sapphire Most well-liked® Card or Chase Sapphire Reserve® to your eating and normal journey purchases. You will earn extra bonus factors to switch to Hyatt or any of Chase’s different 14 airline and resort companions.
Associated: One of the best bank cards for normal journey purchases
Redeeming factors on the World of Hyatt Credit score Card
By far, the greatest use of Hyatt factors is for award nights. Redemptions for traditional rooms begin at 3,500 factors for an off-peak evening at a Class 1 property and go as excessive as 45,000 factors for peak dates at a Class 8 property.
TPG bank cards author Chris Nelson was capable of get excellent worth by redeeming three nights throughout peak season over a busy summer season weekend on the Story Resort Riddargatan in Stockholm for simply 12,000 factors.
You even have the choice to e-book Factors and Money awards and pay half the conventional factors value and half the usual money fee.
Moreover, you’ll be able to improve paid stays with factors. Redeeming factors without cost nights tends to be a greater deal, however upgrading paid stays will be price it and will not bankrupt your level reserves.
You may also switch factors to a number of airline companions, however the switch ratio is 2.5:1, which is lower than ideally suited. Hyatt additionally lets you redeem factors for eating, spa visits, Lindblad Expeditions and different experiences, however you are virtually at all times higher off utilizing factors for resort rooms.
Associated: The right way to redeem factors with the World of Hyatt program
Which playing cards compete with the World of Hyatt Credit score Card?
When you don’t remain at Hyatt properties sufficient to get good worth from the World of Hyatt Credit score Card, one in all these is likely to be a greater match:
For added choices, please see our checklist of the greatest resort rewards bank cards and greatest journey bank cards.
Associated: One of the best bank cards for Hyatt stays
Backside line
The World of Hyatt Card is a must have for Hyatt loyalists as it is the resort chain’s solely private cobranded bank card at present accepting sign-ups and the one card that helps you earn elite standing inside the World of Hyatt program.
You are prone to get greater than sufficient worth from the cardboard to make the $95 annual charge price paying. And because the card is a Visa with no international transaction charges, you will not have any drawback utilizing it all over the world.
Nevertheless, should you keep extra steadily at properties inside one other resort model or need extra versatile rewards, you will probably wish to go together with a special card.
Apply right here: World of Hyatt Credit score Card
Associated: Why I intention to spend $15K on my World of Hyatt Credit score Card annually
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