World of Hyatt Credit Card Review

World of Hyatt Credit Card Review
The World of Hyatt offers cardholders an annual free night and sweet rewards, all for a low annual fee.
  • Annual Fee:
    $95
  • Regular APR:
    15.99% - 22.99% Variable
  • Credit Score:
    670 - 850

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World of Hyatt might not be as well-known as other travel cards, but it’s definitely one worth looking into.

The perks alone can easily make up for the annual fee, and there’s enough here to ensure that you’re making a sound investment.

World of Hyatt Credit Card Pros and Cons

Pros:

  • Excellent perks to sweeten your stays
  • Annual free night offer
  • Nice sign-up bonus
  • Modest annual fee

Cons:

  • There’s still an annual fee
  • The rewards are complex

World of Hyatt Credit Card Review

  • Annual Fee: $95
  • Regular APR: 15.99% to 22.99% Variable
  • Rewards: Hyatt hotel stays get you 4x points for every dollar spent. Dining purchases earn you 2x points for every dollar spent. One point for every dollar spent on everything else.
  • Foreign Transaction Fee: None.
  • Sign-Up Bonus: Spend $3,000 within three months of signing up and earn an extra 30,000 bonus points. You can get an additional 30k by earning 2x points for every dollar spent during the initial six months of owning the card for 60,000 total. Complimentary Discoverist status.
  • Category: Travel/ Rewards

World of Hyatt Credit Card Rewards

Earning Rewards

The card provides generous points benefits for Hyatt shopping. For example, you can earn as much as 9x points for every dollar spent at Hyatt (4x reward points for every dollar spent at Hyatt hotels; 5x points for every dollar spent as a member of World of Hyatt).

Cardholders can also earn 2x points for every dollar spent on flights booked through airlines, dining out, transportation, gym membership, and commuting.

So, how does such a rate of return compare to similar cards? Although credit cards like those from Marriott Bonvoy or Hilton Honors provide more points based on every dollar you spend on shopping and hotel stays, please remember Hyatt points usually are more valuable.

For instance, World of Hyatt comes out to about 1¢ to 2.5¢ on average. Compare that rate to 0.5¢ offered through Marriott Bonvoy and Hilton Honors.

Redeeming Rewards

When you redeem your World of Hyatt points for staying in a hotel, please note that Hyatt doesn’t have as many locations compared to other similar loyalty programs.

What’s more, the brand presently has 20 top brands in more than 65 countries and six continents, with more than 950 hotels. In contrast, Marriott Bonvoy plans to have over 7,000 hotels worldwide.

Thankfully, Hyatt free nights are not expensive, and Hyatt offers many unique hotels that can be redeemed for points.

Hyatt Rewards only requires 5,000 bonus points (which gets you some good hotels), while standard room nights in a luxury hotel, like Kukui’ula Lodge in Hawaii, for example, will run you 40,000 points.

Please also remember that if you need to extend your points further, you may use your cash and points to reserve a room, and you may redeem your points to upgrade your room during a paid night at Hyatt. You may also redeem your points for all-inclusive Hyatt hotel stay offerings.

World of Hyatt Credit Card Features and Benefits

Annual Free Night

For every new year that you renew your card, you get one free night at a Hyatt hotel. What’s more, you can use the free night in any Hyatt hotel worldwide, whether it’s a Category 1 or Category 4 hotel.

For comparison, a Category 4 Hyatt hotel redeems points at a rate of 15,000 for each night (standard room).

Earn Elite Status

As a World of Hyatt cardholder, you get complimentary Discoverist “elite” status. The benefits offered to Discoverist members include:

  • Get MGM Pearl status and M life Member Rewards
  • Small Luxury Hotels of the World benefits
  • Free night award that waives resort fees
  • 10% bonuses on qualifying purchases
  • Free internet (where offered)
  • Late checkout (2 p.m.)
  • Expedited check-in
  • Daily water bottle
  • Preferred room

Daily Bonus Points

The fact that you can earn daily points on purchases made while traveling, dining, and all other purchases, the World of Hyatt card gives you plenty of chances to rack up points for spending.

And when you factor in the perks that come with your daily spending, such as additional points, this is a card that was built for the frequent traveler.

Travel Insurance

You get a wealth of benefits in travel insurance as a World of Hyatt cardholder, including:

  • Reimbursement for Trip Delays
  • Interruption Insurance
  • Secondary Car Rental
  • Accident Insurance
  • Trip Cancellation
  • Baggage Delay
  • Lost Luggage

Please note that you must use your World of Hyatt card on your carrier expenses.

Low Fees

With no foreign transaction fee, resort fee waived, and a low annual fee, World of Hyatt is a viable option for travelers. This is a notable incentive, as many other cards charge around 3% for foreign transaction fees.

How Does the World of Hyatt Compare to Other Travel Credit Cards?

Travelers who already frequent Hyatt hotels will definitely want to give this card a look. It’s accepted at Hyatt resorts, too, making this travel credit card all the more worthwhile.

It’s worth pointing out that the World of Hyatt card doesn’t offer the same global coverage found in other travel cards. With that caveat, how does it compare to some of the best travel cards?

#1. Capital One Venture Rewards vs. World of Hyatt Credit Card

Capital One’s Venture Rewards card gives you 2 miles for every dollar spent daily. What’s more, there’s no cap on what you can earn, and you can redeem all earned miles for air tickets, travel expenses, and hotels. Even better, there are no blackout dates or restrictions.

Furthermore, Capital One keeps its rewards straightforward and easy to understand. Reserve your booking and then reset your purchased rewards within 90 days after your transaction is posted to your credit card. You may then transfer your miles to any of the 10+ partnered airlines and hotels to get more value.

Members can also skip airport security checkpoint lines and can be reimbursed for up to $100 in TSA or Global Entry prescreening application fees.

As a new cardholder, you can enjoy the following benefits: 60,000 miles as a one-time reward when you spend $3,000 within 3 months of opening your account. This is equal to a trip worth $600. The annual fee for Capital One’s Venture Rewards card is $95.

#2. World of Hyatt Credit Card vs. Chase Sapphire Reserve®

Chase Sapphire’s Reserved® card is a flexible credit card for points. The rewards you can earn are part of Chase’s Ultimate Rewards.

As such, Sapphire Reserve cardholders can now enjoy new travel and dining benefits, including five times the total flight points purchased through Chase Ultimate Rewards®, making it one of the best rewards credit cards.

What’s more, you can earn ten times the total hotel and car rental points. What’s more, you may also get ten times the total points for buying meals through Chase Dining℠.

If you are eager for a new restaurant, opportunities to connect with loved ones, or you’re just looking for more ways to reward yourself, Chase has offers that are worth checking out.

#3. Chase Sapphire Preferred® Card vs. World of Hyatt Credit Card

The Chase Sapphire Preferred® card is an excellent flexible point credit card because the rewards you receive belong to the Chase Ultimate Rewards® program.

Cardholders have the opportunity to earn five times points on travel purchased through Chase Ultimate Rewards®, three times points on food and drinks, and two times points for all other purchases.

Points can be exchanged for cash, merchandise, and gift cards, but the real value lies in transferring to Chase Airlines and hotel partners or earning 25% extra value when booking travel through the Ultimate Rewards travel portal.

You also get nice sign-up rewards as a new cardholder. For example, you can get 60,000 bonus points after spending $4,000 within the first three months of opening your account. And when you redeem your points through Ultimate Rewards, it’s worth $750.

Chase’s Sapphire Preferred® credit card charges an annual fee of $95, which isn’t subject to first-year waiving.

#4. Marriott Bonvoy Boundless® Credit Card vs. World of Hyatt

Hyatt might not offer the amount of hotels you need. So, if you still want elite status and other similar benefits, you might want to look into the Marriott Bonvoy Boundless® credit card. You get a nice limited-time offer where you can get 125,000 points by spending $5,000 within your first three months of starting your account.

From there, you can earn a free night award worth up to 50,000 points. In addition, you can earn up to 17 times the total points for every dollar spent in more than 7,000 hotels that take part in Marriott Bonvoy®. You will earn 2 times the points on the remaining purchases.

Every year on your cardholder’s anniversary, you will get 35,000 points worth of free nights, and you will automatically get the silver elite status and the gold status through credit card purchases.

The Boundless® credit card can also give you 15 elite accommodation points in every calendar year to help you enhance your elite status.

You will also get free access to premium internet and no foreign transaction fee. However, there is an annual fee of $95.

Frequently Asked Questions

Is World of Hyatt a Chase Credit Card?

Yes. You can earn points to use later toward resort and hotel stays at any Hyatt worldwide, travel, and other purchases with your card.

Does World of Hyatt Have Foreign Transaction Fees?

No, the World of Hyatt Credit Card does not have foreign transaction fees.

Is the World of Hyatt a Good Credit Card?

If you often stay in Hyatt hotels and resorts during your travels, yes, this is a very good credit card worth your consideration.

What Credit Score Do You Need for World of Hyatt?

Good to Excellent credit (between 690 and 850) is needed to qualify for the World of Hyatt Credit Card.

Bottom Line: World of Hyatt Credit Card Review

Hyatt fans will love this credit card, but it’s also a good fit for anyone who travels often.

It’s easy to earn points and free nights, ensuring that you have plenty of opportunities to make use of the benefits this card provides.

And when you factor in the complimentary status and the many perks it brings with it, the World of Hyatt card is a unique and worthy contender among the many travel credit cards of the world.

Drew Cheneler
Drew Cheneler

Drew is our Co-Founder and is a recognized Credit, Small Business, and Personal Finance Expert. He has been featured in CNBC, Fox Business News Section, The Huffington Post, Business.com, Moneyunder30, US Chamber of Commerce, and more. He is known for breaking down complex personal finance topics into action-oriented advice, so you can make the most of your hard-earned money. Drew attended the U.S. Coast Guard Academy where he majored in Business Management with a focus on Information Systems.