Chase World of Hyatt Credit Card Review

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The Chase World of Hyatt Credit Card is one of the top hotel cards offering cardholders 4 points per dollar on all Hyatt spending, a Category 1-4 free-night award each account anniversary, and an additional night when you spend $15,000 in a calendar year. Plus, the Hyatt Card offers nice travel and purchase protections in addition to five free night credits, and Discoverist elite status.

This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.

Discoverist Status Plus One Free Night Every Year
World of Hyatt Credit Card
  • bonus_miles_full
  • 4X Points at all Hyatt Hotels
  • 2X Points on Dining, with Airlines, Local Transit, & Gyms
  • One Free Night Each Year (Category 1-4) + Extra Free Night After Spending $15,000 Per Calendar Year
  • Automatic Discoverist Status
  • $95 Annual Fee
Learn More

Welcome Bonus

The Hyatt Card currently offers the following welcome bonus:

bonus_miles_full

Earning Points

Hyatt Card holders will earn the following rewards rates below:

Hyatt Credit Card Benefits

The Hyatt Card offers the following benefits and perks:

Benefits at Hyatt Hotels & Resorts:

Free Anniversary Night: You receive one free hotel night each card anniversary at any Category 1-4 Hyatt Hotels or Resorts.

Second Free Night with Spending: If you spend at least $15,000 during your cardmember year get an additional free night at any Category 1-4 Hyatt Hotel or resort.

Hyatt Discoverist Elite Status: This card automatically awards you Hyatt Discoverist elite status, which gets you a late checkout, preferred rooms, and a 10% points bonus on hotel stays.  

5 Elite Night Credits: Cardmembers receive 5 elite night credits to help them reach the next level in World of Hyatt’s elite status.

Additional Elite Night Credits: Cardmembers can earn two free additional elite night credits every time you spend $5,000 on your card.

Travel and Purchase Benefits:

No Foreign Transaction Fees: You can make international purchases with your card without paying an extra fee of around 3%.

Trip Delay Insurance will reimburse any eligible expenses you incur as a result of your trip being delayed.

Trip Cancellation and Interruption Insurance reimburses you for non-refundable expenses if your trip is interrupted or canceled for a covered reason when you pay for your travel expenses with this card.

Purchase Protection covers eligible purchases against accidental damage or theft for up to 120 days for purchases this card.

Extended Warranty coverage adds up to an additional year of coverage for eligible purchases on manufacturer’s warranties up to 3 years.

Baggage Delay Insurance can reimburse you for the cost of necessary personal and business items while waiting for your checked bag when it’s delayed by a common carrier.

Secondary Rental Car Insurance covers any damage to or theft of a rental car not covered by your primary insurance when you pay for the rental using this card.

Lost Luggage Reimbursement covers the cost to repair or replace your luggage, and the personal belongings contained within if your bag is lost or damaged during a covered trip.

Travel Accident Insurance offers coverage for accidental death or dismemberment while traveling on a common carrier when the trip is purchased using the eligible credit card.

Pros and Cons

Here’s a quick overview of this card’s advantages and disadvantages:

Pros:

Cons:

  • Redemptions are only limited to Hyatt properties.
  • Has annual fee.
  • No Intro APR offer.

Card Alternatives to the World of Hyatt Credit Card

If the World of Hyatt Credit Card isn’t the right fit for you, don’t worry – there are plenty of alternative cards that can offer similar benefits. Here are some of our top recommendations for you.

Chase Sapphire Preferred® Card

Best Starter Travel Card
Chase Sapphire Preferred® Card
  • bonus_miles_full
  • 5x Points on Travel Booked Via Chase
  • 3x Points on Dining and Eligible Delivery Services
  • 2x Points on All Other Travel Purchases
  • 10% Anniversary Points Boost
  • Trip Delay and Trip Cancellation Insurance
  • Primary Rental Car Insurance
  • $95 Annual Fee

Click Here to Learn How to Apply

The Chase Sapphire Preferred® Card (review) is one of the best rewards cards for travelers who want solid earning rates for travel and dining expenses. 

For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases

Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit. 

Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans. 

Capital One Venture Rewards Credit Card

2x Miles on Everyday Spending
Capital One Venture Rewards Credit Card
  • bonus_miles_full
  • 5x Miles on Hotels and Rental Cars via Capital One Travel
  • 2x Miles Everywhere Else
  • Global Entry or TSA Pre-Check Credit
  • Hertz 5-Star Elite Status
  • Rental Car Insurance and Extended Warranty
  • $95 Annual Fee
Learn How to Apply Our Review

The Capital One Venture Rewards Credit Card (review) is a travel rewards credit card that earns an unlimited 2 miles per dollar on all purchases and 5 miles per dollar on hotels and rental cars booked through Capital One Travel.

The card also comes with a range of travel benefits, including secondary rental car, no foreign transaction fees, and extended warranty coverage.

Plus, you also get two complimentary passes to visit Capital One lounges each year and an application fee credit for Global Entry or TSA PreCheck (up to a $100 credit every four years).

Hilton Honors American Express Surpass® Card

12X Points at Hilton Hotels and Resorts
Hilton Honors American Express Surpass® Card
  • bonus_miles_full
  • 12X Points at Hilton Hotels and Resorts
  • 6X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
  • Up to $200 Hilton Credit Each Year
  • Hilton Honors Gold Status
  • No Foreign Transaction Fees
  • $150 Annual Fee (rates & fees)
Learn How to Apply Our Review
American Express is a Deals Points advertiser; Terms Apply

The Hilton Honors American Express Surpass® Card (review) boasts great earning potential at Hilton properties and comes with complimentary Gold elite status, which features perks like space-available upgrades, better earnings, and free hot breakfast on Hilton stays. 

For an affordable $150 fee, this rewards card earns:

  • 12 points per dollar at Hilton Hotels and resorts;
  • 6 points per dollar at U.S. restaurants, U.S. supermarkets, U.S. gas stations;
  • 4x points on U.S. online retail purchases; and
  • 3 points per dollar on all other eligible purchases.

You also receive a free weekend night reward after spending $15,000 per year.

Is the World of Hyatt Credit Card Worth It?

To determine if the Hyatt Card is worth it for you, it’s important to evaluate your spending and travel habits to ensure they align with the card’s rewards structure.

However, if you love to go on vacations and stay at Hyatt properties several times a year, getting the World of Hyatt Credit Card should be a no-brainer. The card lets you earn points on Hyatt stays, as well as on purchases with airlines, local transit, rideshares, and fitness clubs/gym memberships.

Think of it like this – every time you make a purchase while on vacation, you’ll earn points from the moment you step out of your door to when you arrive at your hotel. With all these points piling up, you’ll be able to snag free nights and room upgrades in no time.

Plus, the card offers a range of valuable benefits, including free nights, room upgrades, travel, and purchase protection, and elite status.

Overall, if you’re a frequent traveler who loves staying at Hyatt hotels, the World of Hyatt Credit Card can be a great way to save money and enhance your travel experience.

Discoverist Status Plus One Free Night Every Year
World of Hyatt Credit Card
  • bonus_miles_full
  • 4X Points at all Hyatt Hotels
  • 2X Points on Dining, with Airlines, Local Transit, & Gyms
  • One Free Night Each Year (Category 1-4) + Extra Free Night After Spending $15,000 Per Calendar Year
  • Automatic Discoverist Status
  • $95 Annual Fee
Learn More

For the rates and fees of the Hilton Honors American Express Surpass® Card, please click here.

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