Hyatt® Credit Cards of November 2023

Hyatt® is an American hotels corporation, operating internationally. It focuses on luxury business hotels, vacation properties, and resorts.

The Hyatt bonus points are not easy to earn like other travel rewards. Yet, World of Hyatt credit card options allow the cardholders to earn bonus points easier by making purchases.

What is a Hyatt® Credit Card?

The credit card issuer is Chase bank. It is one of the largest US banks and one of the Best National Banks, according to GoBankingRates. Chase was ranked in the Top 100 Banks of 2022.

You get the co-branded card and can use the rewards and points across the Hyatt portfolio hotels. The World of Hyatt loyalty program is available for the following Hyatt portfolio hotels:

1. Caption by Hyatt, an upscale level hotel.
2. Andaz, a luxury level hotel.
3. Alila, a luxury level hotel.
4. Thompson Hotels, a luxury and upper-upscale level hotel.
5. Hyatt Centric, an upper-upscale level hotel.
6. Park Hyatt, a luxury level hotel.
7. Miraval, a luxury wellness level hotel.
8. Grand Hyatt, a luxury level hotel.
9. Hyatt Regency, an upper-upscale level hotel.
10. Hyatt Zilara, an all-inclusive upscale hotel.
11. Hyatt Place, an upscale level hotel.
12. Hyatt House, an upscale level hotel.
13. Hotel Du Louvre, a luxury and upper-upscale level hotel.
14. Destination by Hyatt, a luxury and upper-upscale level hotel.
15. JDV by Hyatt, an upscale level hotel.

You can redeem points by booking Hyatt hotels or upgrading the rooms. The points are stored on the World of Hyatt account and are deposited each month after the credit card statement closure. The points don't expire as long as your account is open.

The redemptions of the bonus points start at 3,500 World of Hyatt bonus points per night. Most of the top-tier options cost 45,000 bonus points per night.

Pros and cons of Hyatt® Credit Cards

Pros

• Hyatt card points don't expire for the time your credit card account is open.

• You can redeem the points and rewards at hotels for stays, room upgrades, car rentals, restaurants, and airfare.

• There is a welcome bonus for new cardholders.

• The free night awards are automatically credited towards the cardholders.

Cons

• There is nowhere you can use the card other than hotel redemptions and upgrades.

• The annual fee can be quite high, especially for the business card. There are no cards with no annual fee.

• The card offers are limited and only suitable for the frequent users of Hyatt hotels and services.

Conclusion

Hyatt credit card is worth it if you are a frequent user of Hyatt hotels and want to earn Hyatt points to spend them on properties. Hotel loyalty programs are good if you know you will spend the earned perks and points.

Hyatt credit card offer has an annual fee, but it is not high compared to the cost of Hyatt rooms and services, so you will quickly cover the cost of the card.

The comparison of Hyatt® Credit Cards

There are two World of Hyatt credit cards available nowadays:

1. The World of Hyatt credit card.
2. The World of Hyatt Business credit card.

Both of the cards give rewards, automatic elite status perks, and bonus points on eligible purchases.

The cards have different perks: the first gives rewards to World of Hyatt card members rewards just for obtaining the card. Business credit card requires Hyatt member to unlock most of the feature by using the card.

1. The World of Hyatt Credit Card. The APR is variable and ranges from 18.24% to 25.24%. There are no foreign transaction fees and a purchase protection present.
   • The card earns you 9x points on each dollar spent on Hyatt stays.
   • The annual fee is $95.
   • Two bonus points per one dollar spent at restaurants, airline tickets purchased directly with the airlines, and local transit, fitness club, and gym memberships.
   • There is a welcome offer of up to 60,000 points and a complimentary World of Hyatt Discoverist status.
   • You get 30,000 bonus points after spending $3,000 on purchases after the first three months from the account opening.
   • Up to 30,000 bonus points you can get by earning two bonus points on each dollar spent in the first six months after the account opening.
   • The Cardmember anniversary allows you to get one free night award, and one extra free night is given to you after you spend $15,000 within a calendar year.
   • Other benefits include lost luggage reimbursement.
2. World of Hyatt Business Credit Card. The card is for business owners frequently using Hyatt services and want to get useful perks with the World of Hyatt credit card.
   • The APR on the card is variable and ranges from 18.24% to 25.24%.
   • There are no transaction fees.
   • The annual fee of the card is $199.
   • The welcome offer gives 60,000 bonus points after you spend $5,000 in three months from account opening on purchases.
   • Up to $100 in Hyatt statement credits once you spend $50 and more at Hyatt properties. 
   • Five qualifying night credits for every $10,000 spent in a calendar year.
   • World of Hyatt Discoverist elite status for account opening for you and for up to five employees.
   •  Additionally, you get rental car insurance.

How to choose a Hyatt® Credit Card?

To choose the best Hyatt credit card, or at least suitable for you in case you can qualify for both types, you can look at the annual fee, bonus points, or rewards.

• World of Hyatt Elite status. The Hyatt hotel credit cards give complimentary Discoverit status. To obtain it without the card, you need to stay at the Hyatt hotels ten nights each year, earning Hyatt points of 25,000, or host three meetings or events.

  Discoverit status is the lower-tier elite status in the World of Hyatt loyalty program, giving several benefits.

  World of Hyatt elite members get five base points for each dollar spent at Hyatt properties, waived resort fees on award stays, special member rates, as well as premium internet and bottled water. Additionally, you get a priority check-in and American AAdvantage Miles Bonuses.

• Annual free night certificate. The World of Hyatt credit card is good for travelers staying at Hyatt hotels. Cardholders get free night certificates automatically. One free night is given once a year, and there is an opportunity to receive an additional free night after spending $15,000 within a calendar year. Free nights can be a huge advantage for frequent travelers and cover the annual fee.
• Alternatives. Although Hyatt has only two credit cards, there are Chase credit cards that earn you Hyatt bonus points.
  • Chase Sapphire Preferred® card is a Chase travel card for $94 annually that earns Ultimate Rewards points on Hyatt transfers. The transfer is a 1:1 ratio and is processed almost instantly. The free night perk starts at 5,000 points.
  • Chase Sapphire Reserve® comes with a $550 annual fee and allows you to earn Ultimate Rewards points on Hyatt transfers. The points are earned in a higher ratio to one dollar spent.
  • Chase Freedom Unlimited® has no annual fee and can earn you points on Hyatt by transferring them to premium cards and then to the hotels.

Applying for a Hyatt® Credit Card

Before applying for hotel cards, determine if they are suitable for you. Hyatt credit card offers will be useful for:

• Frequent Hyatt hotel customers. They can earn more bonus points within the loyalty program.
• Travelers who frequently stay at luxury hotels and want to get elite status.
• Holders of the cards who are looking for free night rewards for a good annual fee.
• Small business owners who are staying at Hyatt hotels during their business trips.

Chase requires you to have a 700+ credit score to be eligible for a card. In case you don't have an excellent credit score, you must consider improving and growing your credit history using other credit products. So, before applying, check your credit score.

As the card issuer is Chase, the hotel card is subject to the 5/24 rule. It states that Chase won't approve you the credit card if you have already opened five or more cards within the last 24 months. However, the Hyatt Business credit card won't count towards the rule as it doesn't appear on your personal credit report.

The application procedure is online. You should find the card details on the Chase website. Click either on the "Sign In to Apply Faster" or the "Apply as a Gust" buttons. You will have to provide your personal details, like name, date of birth, tax ID, address, email, and phone number. The bank will ask you to prove your income and check your creditworthiness by pulling a credit check request.

Once you apply for a card and receive approval from Chase, you will get the card by mail within seven to ten business days.