For those who cherish the Hyatt experience, the World of Hyatt Credit Card is a veritable treasure trove of rewards. Beyond earning points, it's crafted to enhance every facet of your travel journey — from dining at local eateries to venturing across borders. The card’s strength isn't just in its generous rewards but in the peace of mind you get while on the move, thanks to extensive travel protections. Additionally, perks like free nights and swift ascension in the Hyatt loyalty ladder sweeten the deal. However, if your wanderlust surpasses Hyatt's embrace or seeks more airport luxuries, the card’s charm may wane slightly.
World of Hyatt Credit Card Review
Updated: July 25, 2024
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World of Hyatt Credit Card
Rewards Rate
Earn up to p to 9 points total for Hyatt stays – 4...APR
21.49% – 28.49% VariableAnnual Fee
$95Recommended Credit
670-850 (Good to Excellent)- The World of Hyatt Credit Card is an excellent credit rewards card, especially for people who like staying at Hyatt properties, as they can use it to earn up to 4X rewards.
Cardholders can earn a generous spend-based welcome offer. You can earn up to p to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member, 2X points on restaurants, directly purchased airfare, local transit, commuting and gym and fitness club memberships. Regular everyday spending can earn 1X points per $1 on other purchases.
Not having to pay international transaction fees is helpful when you use this card overseas. You also benefit from free nights at practically any category 1–4 Hyatt hotel or resort.
World of Hyatt Credit Card Overview
When choosing a credit card, thoroughly examining its features is essential to ensure it aligns with your financial goals and lifestyle needs.
- Rewards rate: Earn up to p to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member, 2X points on restaurants, directly purchased airfare, local transit, commuting and gym and fitness club memberships. Regular everyday spending can earn 1X points per $1 on other purchases.
- Welcome offer: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after spending $3,000 in the first 3 months. Earn an additional 30,000 Bonus Points by earning 2 Bonus Points per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
- Regular APR: 21.49% – 28.49% variable
- Annual fee: $95
- Foreign transaction fee: None
- Introductory APR offer: None
Important Card Details
In the intricate landscape of credit card features, every detail can be a game-changer. As we dissect the World of Hyatt Credit Card, let's impartially evaluate its offerings, balancing the allure of bonuses with the subtleties of its benefits.
Lucrative Rewards Structure but Limited Value to Hyatt
The World of Hyatt Credit Card offers an appealing reward system with up to 4X points on Hyatt hotel purchases and diverse 2X point categories like restaurants, flights and fitness clubs. However, the card's utility and rewards are primarily aligned with Hyatt brand loyalty, which can greatly benefit frequent Hyatt customers. If you prefer diverse travel and accommodation choices, you may find the redemption options limited or restrictive.
Travel Perks
In addition to earning points and offering insurance protections, cardholders are entitled to free nights and opportunities to accelerate your tier status within the World of Hyatt program. These added benefits make it an attractive option for frequent travelers who stay at Hyatt properties. Also, the purchase protection feature for damage or theft adds an extra layer of confidence in everyday spending. Yet, these perks primarily appeal to Hyatt loyalists, and broader travelers might find the card's perks less applicable to their travel and lifestyle needs.
Travel Protections
This card is a strong ally for travelers seeking peace of mind, with its trip cancellation, interruption insurance, baggage delay and lost luggage reimbursement. Secondary car rental insurance is another welcome feature, assuring support when things don’t go as planned. However, the absence of airport lounge access could be a drawback, especially if you are looking for relaxation and comfort during extended layovers or frequent travel.
Annual Fee
The World of Hyatt Credit Card has a moderately priced annual fee of $95. While this might seem a little steep for some, the value the card provides in terms of free nights at Category 1–4 hotels, additional qualifying night credits and no foreign transaction fees might justify this fee if you are a Hyatt enthusiast. However, for occasional travelers or those not aligned with Hyatt, this annual fee might be less compelling.
How the World of Hyatt Credit Card Compares
Let's compare these two credit cards side by side to discern which one aligns best with your financial and lifestyle needs.
How This Card Compares
- Rewards rate: Earn 4X points on Hyatt hotel purchases (plus 5X points for being a World of Hyatt member); 2X points on restaurants, flights purchased directly from airlines, local transit, commuting, and gym and fitness club memberships; 1X points on all other spending
- Welcome offer: Earn up to 60,000 Bonus Points. Earn 30,000 Bonus Points after spending $3,000 in the first 3 months. Earn an additional 30,000 Bonus Points by earning 2 Bonus Points per $1 spent in the first 6 months on purchases that normally earn 1 Bonus Point, up to $15,000 spent.
- **Regular APR:**21.49% – 28.49% variable
- Annual fee: $95
- Foreign transaction fee: None
- Intro APR offer: None
- Best for: Travelers with loyalty to Hyatt
- Rewards rate: Earn 6X points per dollar at hotels participating in the Marriott Bonvoy® program, 3X points per dollar at restaurants worldwide and on directly booked flights with airlines and 2 points per dollar on other eligible purchases
- Welcome offer: Earn 95,000 points after you make $6,000 in purchases within the first 6 months of card membership.
- Regular APR: 20.99%–29.99% variable
- Annual fee: $650
- Foreign transaction fee: None
- Intro APR offer: None
- Best for: Travelers with loyalty to Marriott
For rates and fees of the Marriott Bonvoy Brilliant® American Express® Card, please click here.
About Grace Pilling
Grace Pilling was the Senior Content Manager for Credit Cards at MoneyGeek. She previously led personal finance teams at Bankrate, CreditCards.com and MoneyUnder30.
Pilling has a bachelor's degree in English from Western Sydney University and a diploma in book editing, proofreading and publishing. She is focused on empowering readers to make informed financial choices that support their best lives, not a company’s bottom line.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.