World of Hyatt Credit Card Review

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ByGrace Pilling
Reviewed byAlene Laney
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ByGrace Pilling
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Reviewed byAlene Laney
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Updated: June 14, 2024

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World of Hyatt Credit Card

Rewards RateEarn up to p to 9 points total for Hyatt stays – 4...
APR21.49% – 28.49% Variable
Annual Fee$95
Recommended CreditGood–Excellent

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 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 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on 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.

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    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.

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    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.

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    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.

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    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

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World of Hyatt Credit Card

  • 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 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on 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
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Marriott Bonvoy Brilliant American Express Card

  • 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 185,000 points after you make $6,000 in purchases within the first 6 months of card membership (offer ends 5/1/24)
  • 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

About Grace Pilling


Grace Pilling headshot

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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