Review: The World of Hyatt Credit Card

The World of Hyatt Credit Card from Chase is the main Hyatt hotel co-branded card on the market. It is an excellent choice for regular users of Hyatt hotels, with free hotel nights and other benefits on offer. This article looks at the benefits you will get with Hyatt hotels and elsewhere, and who should take out this card.

World of Hyatt card
The World of Hyatt card. Image: Simple Flying

Card basics and annual fee

The World Of Hyatt Credit Card is a co-branded card offering from Chase and Hyatt Hotels. The card and its offering were changed significantly in 2018, with new offerings from the World of Hyatt card that we think are a great improvement.

The card has an annual fee of $95. There is no reduction or fee waiver for the first year, as seen with some other cards.  Ongoing APR for the card is between 17.99 per cent and 24.99 per cent. There are no zero APR introductory offers with this card.

All spending with the card earns points in the World of Hyatt program. The The World Of Hyatt Credit Card does not participate in the Chase Ultimate Rewards program that many other Chase cards are part of. This is fine if you want to earn and use World of Hyatt points, but bear in mind that these are not as easily transferable to other loyalty programs as Ultimate Rewards points are.

World of Hyatt brands
Reward earning with the card is with World of Hyatt. Image: Hyatt

No foreign transaction fees

The World Of Hyatt Credit Card does not apply any transaction fees for purchases in foreign currency. This is a great money saver compared to some other cards which can charge a three per cent fee for such transactions.

Note though that this applies to any foreign currency purchases overseas or online, but not to ATM cash withdrawals which will incur a fee.

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Prague skyline
Enjoy fee free purchases wherever you travel. Photo: Wikimedia/Pixabay

Sign on bonus – one of the best on the market

The World Of Hyatt Credit Card has a great sign on bonus for new cardholders – but this comes with high spending requirements! This is a two tiered bonus, with 25,000 points being awarded after spending of $3,000 within the first three months of card ownership, and a further 25,000 points after spending of $6,000 over the first six months.
World of Hyatt card sign up bonus
World of Hyatt card sign up bonus. Image: Chase

This is a relatively high spending target, but a great bonus! The total bonus of 50,000 points would cover up to 10 night if you choose the lowest Category 1 Hyatt properties!

Hyatt Regency London
Stay two nights at the Hyatt Regency London (The Churchill) using your bonus (at 25,000 points per night). Image: Hyatt

Earning World of Hyatt points

All spending with The World Of Hyatt Credit Card, both in the US and overseas, earns World of Hyatt points at the following rates:

  • Four points per dollar for spending at Hyatt hotels
  • Two points per dollar for all spending in a number of bonus categories. These include restaurants, airline tickets (when purchased directly from airlines), local transit and commuting services (including providers such as Uber and Lyft), and for fitness and gym club memberships. The latter is an interesting inclusion – this is possibly the only card that picks this area out for a bonus!
  • One point per dollar on all other spending.
Earning rates with World of Hyatt card
Earning rates with the World of Hyatt card. Image: Chase

The earnings rate at Hyatt hotels is excellent, and this just boosts the value of The World Of Hyatt Credit Card for regular Hyatt users. In other areas however, there are better bonuses with other cards. The Chase Sapphire Preferred and Reserve cards offer double and triple Chase Ultimate Rewards points for all travel and dining spend. These points are also more transferable to other schemes, and potentially therefore more valuable.

One free night stay at Hyatt hotels every year

A top benefit of the card is the inclusion of a free night stay at a Hyatt property each anniversary year of card membership. This is valid for a one night stay at up to a category four property (15,000 points a night). Hyatt properties are graded from category one to seven. Category four will cover mid level properties in many cities worldwide.

Hyatt Regency Tokyo
Use your free night at the Hyatt Regency Tokyo (12,000 point per night). Photo: Hyatt

An additional free night after $15,000 spending

One free night is great but two are better! The World Of Hyatt Credit Card offers a second free night, again up to category four, when you reach $15,000 in annual spending.

This is a high target and with the lower earning for non-hotel spending you might want to think twice before pushing for it. But if you have significant hotel spend to put towards this, it can be very rewarding!

Free nights with World of Hyatt
Earn free nights with the World of Hyatt card. Image: Chase

Redeeming World of Hyatt points

The best value use of points is to redeem for hotel nights with Hyatt. All Hyatt properties are split into seven categories with reward nights costing between 5,000 and 30,000 points per night.

There can be some great value options here as points pricing is fixed regardless of room rate. The top end Park Hyatt Tokyo for example is 30,000 points a night, with cash rates often over $700 a night.

Park Hyatt Tokyo
Use your points to stay at the luxurious Park Hyatt Tokyo – one of the top hotels in the portfolio. Photo: Hyatt

It is also possible to use points elsewhere, but the value is not as high! They can be transferred to 30 airline frequent flyer programs and then used for flight awards. This opens up plenty of ways to spend, but unfortunately the transfer rate is not great at 2.5 Hyatt points to 1 airline mile (with minimum 5,000 point transfer). Nevertheless, it is a useful option if you have a lot of Hyatt points and want to reach a particular airline award.

American airlines
Transfer points to 30 airline programs, including American Airlines. Not the best value, but a useful option. Photo: American Airlines

Receive free Discoverist status with World of Hyatt

As long as you hold you card, you will receive free Discoverist status with World of Hyatt. This is the first elite level, and comes with benefits including:

  • Room upgrade (if available)
  • 2pm room check-out (if available)
  • Premium internet
  • Daily bottled water

Boost towards higher elite status with World of Hyatt

For better benefits you want to be moving above Discoverist and onto Explorist or Globalist levels with World of Hyatt. Higher status is not awarded through points earned, but instead via elite qualifying nights. Explorist is awarded after 30 elite qualifying nights within a year, and top level Globalist after 60 nights.

The World Of Hyatt Credit Card can offer a boost here. Just for having the card you will receive a five night bonus towards the requirement for these higher levels. And then an additional two nights for every $5,000 spent on the card, with no upper limit!
World of Hyatt status
Stay better with higher elite status. Image: Chase

Final Thoughts

If you are a fan of World of Hyatt and a regular user of Hyatt hotels, The World Of Hyatt Credit Card is a great card to have. The annual free stay more than justifies the card fee, and the help with World of Hyatt elite status is great.

This is a card that really rewards high spending. The extra sign up bonus kicks in after $6,000 initial spending, and the additional free night and extra elite qualifying nights for continued spending are excellent offers.

World of Hyatt credit card
Get great benefits at Hyatt hotels with the card, especially with higher spending. Image: Simple Flying

Whilst earning at Hyatt hotels is excellent (you will earn nine points per dollar for standard earning and the card bonus), earning elsewhere is a bit disappointing. If you have high spend on travel elsewhere you might want consider combining The World Of Hyatt Credit Card with another Chase card that rewards better elsewhere.

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