The World of Hyatt Credit Card is a Chase-issued credit card for those who want to earn free nights and membership exclusives at Hyatt Hotels worldwide. If you're a frequent traveler loyal to the over 600 hotels in the Hyatt family, the Hyatt credit card offers you the opportunity to earn free nights with each dollar you spend.
With its Visa logo, cardholders aren't limited to only using this card at Hyatt properties, but you earn more points per dollar spent within the Hyatt family than elsewhere. If you're looking for a card that rewards your loyalty but can also be used to make everyday purchases, the Hyatt Credit Card by Chase could be right for you.
What Is The Hyatt Credit Card?
The World of Hyatt Credit Card is a Visa card you can use anywhere. Becoming a card member allows you to earn bonus points, free nights, and World of Hyatt exclusives. You can earn points by spending money at any Hyatt property, or you can earn points on your everyday purchases. All cardholders earn one free night per year on the anniversary of your card membership. Becoming a World of Hyatt cardholder automatically upgrades you to elite status within the World of Hyatt rewards program.
Brand loyalty is important to Hyatt Hotels, which means you're rewarded handsomely for your loyalty both with the card and your World of Hyatt membership. This includes a special member-only rate at participating Hyatt properties, and there are no blackout dates. Upgrades are available upon request, and you can use your points to receive upgrades at no cost to you. The perks are numerous, and that makes Hyatt Hotel loyalists confident they are using the right travel card for your travel needs.
Product Specs
One of the most beneficial features of the World of Hyatt Credit Card is the bonus points earning potential. Bonus point offers change throughout the year, but the Hyatt offers members a chance to earn 12 free nights at a Hyatt Hotel by spending a specified amount of money within three months of becoming a cardholder. Additional bonus points are available if you reach a secondary spending threshold within six months of becoming a cardholder.
World of Hyatt cardholders earn 9 points for every dollar you spend at Hyatt hotels, restaurants, and spas. You earn 2 points for every dollar you spend using public transportation, dining out, and on your gym and fitness club memberships. You earn one point for every dollar you spend elsewhere. When you earn 5,000 points, you may redeem them for a free night at a Category 1 Hyatt property anywhere in the world.
Pricing
World of Hyatt cardholders can avoid paying any interest or fees by paying off your card each month. No interest accrues on balances paid in full monthly. Depending on your credit score, your annual percentage rate falls between 17.74 percent and 24.74 percent. It permits balance transfers, and the interest rate on those is the same as your purchase interest rate. If you use your World of Hyatt card for a cash advance, your interest rate is 26.74 percent. Balance transfer fees are the greater of $5 or 5 percent of the total transfer.
A late fee of up to $37 is charged if your payment is late, and the fee is the same for any returned payment. The annual fee to carry this card is $95. It is not waived the first year, and it is charged to your card every year on the anniversary of your card membership. Annual fees are subject to change at any point, but Hyatt will notify you of any impending changes before charging your card. You can apply for this card online through the Hyatt website, the Chase website, or at any Hyatt hotel located in the world.
How it Compares
We picked a couple of similar products available on the market to see how they compare.
- The Starwood Preferred Guest® Credit Card from American Express
- Hilton Honors American Express Card
- Barclays Arrival® Premier World Elite Mastercard®
The Hyatt Credit Card
Price $$
The World of Hyatt credit card comes with a $95 annual fee.
Ease of Use 5 Stars
The World of Hyatt credit card issued by Chase Bank can be used anywhere Visa is accepted. It's chip-enabled, and all purchases are protected by Chase Bank.
Design Quality 5 Stars
World of Hyatt offers cardholders a sleek, contemporary design on every card.
Warranty 5 Stars
The World of Hyatt Visa card comes with no foreign transaction fees on any foreign purchase, and all travel protection benefits are complimentary.image from: milespointsmore.com
Pros & Cons
Pros
Cons
The Starwood Preferred Guest® Credit Card from American Express
The Starwood Preferred Guest Credit Card from American Express can be used anywhere American Express is accepted. All new cardholders are given the chance to earn up to $200 in statement credits by spending $1,000 within three months of opening your account and making at least one purchase at an SPG or Marriott Rewards hotel six months from opening your account.
The $95 annual fee is waived the first year, and the APR ranges from 16.99 percent to 20.99 percent on all purchases. Starpoint reward point earnings increase in August 2018. All purchases made at Marriott or SPG reward hotels are worth 6 points for every dollar spent, and all other purchases earn 2 points for every dollar you spend. There are no foreign transaction fees to use this card in another country.
American Express comes with fraud protection, roadside assistance, travel protection, and Global Assist.Price $$
The Starwood Preferred Guest Credit Card from American Express comes with a $95 annual fee that's waived for one year.
Ease of Use 4 Stars
It can be used anywhere American Express is accepted, but American Express is not as widely accepted as Visa or MasterCard.
Design Quality 5 Stars
The Starwood Preferred Guest Credit Card from American Express is chip-enabled and designed with the SPG logo.
Warranty 5 Stars
Pros & Cons
Pros
Cons
Hilton Honors American Express Card
The Hilton Honors American Express card is one of the few major hotel cards that does not charge you an annual fee. It's free to use provided you pay off your outstanding balance monthly. This card is accepted anywhere, but you earn more points for every dollar you spend when it's at a Hilton Hotel property. Cardholders earn 7 points per dollar at Hilton Hotels, 5 points for every dollar spent at any restaurant, gas station, or supermarket in the United States, and 3 points per dollar for every other purchase. Cardholders are automatically given Hilton Honors Silver Status. All cardholders earn an additional 50,000 bonus points by spending $1,000 in three months.
Price $
The Hilton Honors American Express card does not charge cardholders an annual fee.
Ease of Use 4 Stars
The Hilton Honors American Express Card is accepted anywhere American Express is accepted.
Design Quality 5 Stars
The Hilton Honors American Express Card features a simple design with the Hilton logo. It also comes with RFID features, which means you can use your card more conveniently.
Warranty 5 Star
The Hilton Honors American Express Card is backed by the American Express credit protection and Global Assist programs.
Pros & Cons
Pros
Cons
Barclays Arrival® Premier World Elite Mastercard®
The Barclays Arrival Premier World Elite Mastercard is not brand loyal to any particular hotel. However, cardholders do earn 2 points for every dollar spent. Points can be redeemed for various rewards, and they can be transferred to any participating loyalty program. This card offers free access to more than 850 airport lounges across the world, and it offers a complimentary FICO score online complete with updated emails anytime there is a change to your credit report.
Price $$
The Barclays Arrival Premier World Elite Mastercard does not charge the same $450 annual fee like some of the more exclusive travel cards, but it does charge a $150 annual fee. The fee is waived the first, year, but it's higher than other comparable cards.
Ease of Use 5 Star
MasterCard is widely accepted around the world.
Design Quality 5 Star
The Barclays MasterCard features a simple design with a more upscale silver and gray MasterCard logo in lieu of the traditional red and yellow logo.
Warranty 5 Star
Barclays offers the MasterCard warranty, which protects cardholders from fraud, travel issues, and more.
Pros & Cons
Pros
Cons
Conclusion
The World of Hyatt credit card is a brand loyal card with numerous benefits with a five-star rating. The annual fee is low, even if it is not waived for a year. The interest rates are not as high as other brand-loyal cards, and it's a Visa-backed credit card. This means it's widely accepted across not only the United States but the rest of the world as well. Visa offers a stellar fraud and card protection program, purchase warranties, and more.
Cardholders are able to redeem their points for free nights in any Hyatt Hotel beginning with 5,000 points. If you don't have enough points, you can combine points and cash at a lower rate to purchase a room at a steep discount. Points don't expire, and you earn one free night per year. All new cardholders are given the change to earn up to 60,000 bonus points within six months of opening your account.
If you spend $3,000 within three months of opening your World of Hyatt credit card account, you earn 40,000 bonus points. If you spend an additional $3,000 within six months of opening your account, you earn another 20,000 bonus points. That's two free nights in a Category 7 Hyatt Hotel or 12 free nights in a Category 1 Hyatt Hotel.
If you are a loyal Hyatt member, you also get an upgraded World of Hyatt membership, free internet, and other perks when you check into any Hyatt Hotel. This card is highly rated, and it comes with perks you do not get elsewhere when you use a non-branded credit card. Your purchases are guaranteed and backed by Visa, and your credit score increases if you use your card responsibly.
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