The World of Hyatt Credit Card Review
The World of Hyatt Credit Card
CardRatings Editor's Analysis: Pros & Cons
- What's not to love about a welcome bonus offer that could be worth as many as six free nights at Hyatt hotels? Plus, get one free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort. On an ongoing basis, you can earn two qualifying night credits towards tier status every time you spend $5,000 on your card.
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year.
- As far as global hotel brands go, Hyatt is fairly small with about 600 hotels spread out over 50 countries. If you're looking for more options, you'll want to look at a hotel card for one of the larger chains.
The World of Hyatt Credit Card Essentials
You had us at six free nights. That's right, the welcome bonus points offer for The World of Hyatt Credit Card is 30,000 bonus points after you spend $3,000 in the first three months; plus, you'll earn two points per $1 on purchases that only earn one point up to $15,000 spent in the first six months. Since free nights start at 5,000 points, the welcome bonus points alone are worth up to six free nights. Think about the vacation you could enjoy if you didn't have to pay for a hotel! Furthermore, you can rack up another 30,000 points just with that double points opportunity for the first six months.
The card also offers extraordinary day-to-day rewards. From nine points per $1 spent on Hyatt purchases to tiered bonus rewards, The World of Hyatt Credit Card is a delight for those who travel with this brand often. Although there is a $95 annual fee, the right person for the card will reap benefits that more than pay for the fee.
As long as your The World of Hyatt Credit Card account is in good standing and open, your points won't expire and you’ll enjoy automatic World of Hyatt Elite status.
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- Variable APRs range from 13.24% - 27.24%
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
What Our Editors Like Best About The World of Hyatt Credit Card
Holy perks, Batman! We love a card and lender who loves its cardholders. With The World of Hyatt Credit Card, there's not much to dislike. In addition to its amazing welcome offer, the points you earn on a daily basis just by using the card are equally impressive. As an example, you earn nine points total per $1 spent at Hyatt: four bonus points per $1 when you use your card at Hyatt hotels and five points per $1 that you earn as a World of Hyatt member. In addition, you earn two points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting, and on fitness club/gym memberships; lastly, you'll earn one point $1 on your other purchases (which, remember will earn two points per $1 up to $15,000 spent on those purchases for the first six months).
One more thing: You'll receive five qualifying night credits each year toward your next World of Hyatt tier status and you can earn an additional two qualifying nights each time you spend $5,000 on your card. Phew! We told you the perks were plentiful!
Potential Downsides The World of Hyatt Credit Card
The World of Hyatt Credit Card though chock-full of benefits and bonus rewards, won't be beneficial if you're not near – or traveling near a Hyatt property. With only 600 properties spread across 50 countries, there's not one on every block. It would be a shame to rack up all those bonus points – and potential reward nights – and not be able to use them. If your travel takes you to a variety of places that don't necessarily come close to one of these properties, you'd be better off applying for a generic travel rewards card. Let's also not forget the $95 annual fee. Again, if you're not totally loyal to the Hyatt, the fee is not worth it.
How The World of Hyatt Credit Card Compares to Other Cards
The World of Hyatt Credit Card vs. Chase Sapphire Preferred® Card
When comparing these two cards, brand loyalty doesn't seem to have a high stake. But look a little closer and you'll see where rivalry can play a part in choosing between the Chase Sapphire Preferred® Card and The World of Hyatt Credit Card. If you're the type of traveler who spends a lot of money and time at the Hyatt, your choice would be clear: The World of Hyatt Credit Card, where you would earn nine points per $1 spent on with the brand. If you're the type of traveler who likes to stay at the Hyatt occasionally, you might consider the Chase Sapphire Preferred® Card, realizing that the choice doesn’t mean you can’t earn reward nights at Hyatt properties. That’s because Hyatt is a hotel partner for the Chase Ultimate Rewards® program, so you can transfer the points earned with the Chase Sapphire Preferred® Card to your World of Hyatt loyalty account at a 1:1 value. Plus, you'll earn 80,000 bonus points after spending $4,000 in the first three months. The Chase Sapphire Preferred® Card charges a $95 annual fee.
Overall, the Chase Sapphire Preferred® Card is a flexible and extremely popular travel rewards card. If you're looking for flexibility and general rewards, this may be a better bet for you. If you truly are brand-loyal to Hyatt, you might appreciate the loyalty perks with The World of Hyatt Credit Card.
The World of Hyatt Credit Card vs. Marriott Bonvoy Boundless® Credit Card
The question here is where does your loyalty lie? You have brand versus brand. Hyatt offers a bonus rewards opportunity of 30,000 points after spending $3,000 in the first three months, worth as many as six free nights. The Marriott card is offering three free nights (each valued at up to 50,000 points) after spending $3,000 on purchases in your first three months from account opening.
Marriott offers up to 17X points for every $1 spent at over 7,000 participating Marriott Bonvoy hotels; 3X total points on up to $6,000 in combined purchases at gas stations, restaurants and grocery stores each year; and 2X points for every $1 spent on all other purchases. Lastly, the cards carry the same annual fee. So, as you can see, it comes down to personal preference. Do you prefer the Hyatt or do you prefer Marriott?
The World of Hyatt Credit Card vs. Capital One Venture Rewards Credit Card
The Capital One Venture Rewards Credit Card offers perks without being tied down to one brand. You’ll earn two miles per $1 spent on all purchases, no matter the category.
While they both offer one-time bonus rewards, the more lucrative card for hotels is The World of Hyatt Credit Card, where you can earn up to six free nights if you spend $3,000 in the first three months to earn the 30,000-point welcome bonus. The Capital One Venture Rewards Credit Card offers a one-time bonus of 75,000 miles once you spend $4,000 on purchases within three months from account opening, equal to $750 in travel.
You can also fly any airline, stay at any hotel, anytime and not have to worry about blackout dates. Plus, you can transfer your miles to multiple leading travel loyalty programs. That's another really nice offer.
Who Should Get This Card?
The best applicant for The World of Hyatt Credit Card is a person who travels regularly and is loyal to Hyatt hotels and resorts. This person will rake in the points not just for their stays at Hyatt properties but also for their everyday spending. This all adds up to more nights at Hyatt all earned through purchases you’d be making anyway.
The World of Hyatt Credit Card Compared to Other Cash back Cards
Disclaimer: The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.
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