If you’re a Hyatt loyalist, or someone who just loves staycations, the World of Hyatt Credit Card might be a great option for you. This card offers some fantastic benefits that can save you money and help you earn rewards on your purchases.
For example, cardholders get to enjoy one free night every anniversary year, complimentary elite status, travel and buyer insurance, and other premium perks.
The card also offers a solid rewards program where you can earn points on Hyatt properties, restaurants, airlines, and gym memberships. You can then redeem those points for a variety of options, including free nights, room upgrades, and unique experiences.
In this blog post, we’ll go over the benefits of the World of Hyatt Credit Card in detail and explore how they can make your travels more enjoyable.
- Earn Up to 60,000 Points: 30,000 Points for Spending $3,000 in First 3 Months + Up to 30K Points with 2x Bonus Points per $1 in the First 6 Months on Up to $15,000 Spent.
- 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
Welcome Bonus
The Hyatt Card currently offers the following welcome bonus:
Earn Up to 60,000 Points: 30,000 Points for Spending $3,000 in First 3 Months + Up to 30K Points with 2x Bonus Points per $1 in the First 6 Months on Up to $15,000 Spent.
Earning Points
Hyatt Card holders will earn the following rewards rates below:
- 4 points per dollar spent at Hyatt hotels;
- 2 points per dollar at restaurants;
- 2 points per dollar on airline tickets purchased directly from the airline;
- 2 points per dollar on local transit, commuting, rideshares;
- 2 points per dollar on fitness clubs/gym memberships; and
- 1 point per dollar on all other eligible purchases.
Card Benefits at Hyatt Hotels
Travelers who love to stay at Hyatt hotels will enjoy all the travel perks the World of Hyatt credit card has to offer.
The card comes with free nights, room upgrades, travel and purchase protection, and more! Let’s discuss them below.
Free Anniversary Hotel Night
You get one free hotel night each cardmember anniversary at any Category 1-4 Hyatt hotels or resorts.
Second Free Hotel Night with $15k Spend
Cardmembers who spent at least $15,000 during your cardmember year get an additional free night at any Category 1-4 Hyatt Hotel or resort.
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
Every year you get 5 elite night credits to help you reach the next elite status.
Additional Elite Night Credits
Cardmembers can earn two free additional elite night credits every time you spend $5,000 on your card
Purchase Protections
The Hyatt Card offers two purchase protections:
Purchase Protection for 120-Days
Purchase protection can save you a lot of money if you bought an eligible item that is damaged or stolen within 120-days.
For example, if accidentally dropped your new phone or laptop and broke the screen, you could file a claim to get it replaced if it was purchased within the last 120 days.
Extended Warranty Protection
Get an extended warranty for eligible purchases made with the card. This benefit extends the original manufacturer’s warranty for an additional year on eligible warranties of three years or less.
Travel Benefits and Protections
The Hyatt Card offers the following travel benefits and protections:
Baggage Delay Insurance
Baggage delay insurance can reimburse you for the cost of necessary personal and business items if (1) you purchased your trip with this card and (2) your bag is delayed by a common carrier like an airline, train, ferry, or cruise ship, etc.
Common reimbursable items include clothing, toiletries, and phone chargers, which can be a life-saver when you are without your bag.
Secondary Rental Car Insurance
Secondary rental car insurance covers any damage to a rental car not covered by your primary insurance when you pay for the rental using this card.
Other credit cards offer primary rental car insurance, which pays before your insurance and saves you the hassle of filing multiple insurance claims.
You still need to maintain liability car insurance to cover damage to another person or property.
Lost Luggage Reimbursement
Lost luggage reimbursement covers the cost to repair or replace your luggage and the contents inside if your bag is lost or damaged during a covered trip.
You must purchase the trip with this card, and it will also cover immediate family members traveling with you.
Trip Delay Reimbursement
This card offers trip delay insurance when you purchase your flight with this card.
This reimburses you for reasonable expenses things like hotels, food, transportation, and other necessary items.
Flights are increasingly delayed or canceled, and it is too risky to not use a card that offers free trip delay insurance.
Trip Cancellation / Interruption Insurance
Trip cancellation and interruption insurance reimburses you for non-refundable expenses if your trip is interrupted or canceled for a covered reason such as illness, severe weather, or an accidental injury when you pay for your travel expenses with this card.
Travel Accident Insurance
Travel accident insurance pays out a specified benefit in the very unlikely scenario that you or your immediate family become severely injured, including dismemberment, loss of sight, hearing, or speech, or death due to a covered accident on a common carrier during your travels when purchased with this card.
No Foreign Transaction Fees
This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.
Pros and Cons
Here’s a quick overview of this card’s advantages and disadvantages:
Pros:
- Generous welcome bonus
- Automatic free night annually
- Complimentary Discoverist status
- Luxury perks
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
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- 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
The Chase Sapphire Preferred® Card 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
- Earn 75,000 Bonus Miles After Spending $4,000 Within the First Three Months
- 5x Miles on Hotels and Rental Cars via Capital One Travel
- 2x Miles Everywhere Else
- 2 Free Visits to Capital One Lounges Each Year
- Global Entry or TSA Pre-Check Credit
- Hertz 5-Star Elite Status
- Rental Car Insurance and Extended Warranty
- $95 Annual Fee
The Capital One Venture Rewards Credit Card 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
- 130,000 Hilton Points Plus a Free Night Award After $2,000 in Eligible Purchases in the First 3 Months
- 12X Points at Hilton Hotels and Resorts
- 6X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
- Hilton Honors Gold Status
- 10 Complimentary Priority Pass Lounge Visits
- No Foreign Transaction Fees
- $95 Annual Fee (rates & fees)
The Hilton Honors American Express Surpass® Card 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 $95 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; and
- 3 points per dollar on all other eligible purchases.
You also receive a free weekend night reward after spending $15,000 per year and 10 complimentary lounge visits to Priority Pass lounges.
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.
- Earn Up to 60,000 Points: 30,000 Points for Spending $3,000 in First 3 Months + Up to 30K Points with 2x Bonus Points per $1 in the First 6 Months on Up to $15,000 Spent.
- 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
For the rates and fees of the Hilton Honors Surpass American Express, please click here.
