Chase World of Hyatt Credit Card Review

Summary

Pros Cons
Category 4 Anniversary Night $95 Annual Fee
Discoverist Status
Categories are Rewarding and Cover a lot of Purchases
No Foreign Transaction Fees

Considerations Before Applying/Credit Score Needed

Before applying for the card make sure your credit scores are at least 680 or higher. It’s possible to get approved with a lower score of course, but it just makes it easy if your score is already this high in the first place. 

Keep in mind that the World of Hyatt card is issued by Chase, and as such is subject to their application rules. The most important one to be aware of is Chase’s infamous 5/24 rule that states you cannot have been approved for 5 or more credit cards from any issuer. If you are 5/24 or above, you will not be approved.

Finally, the World of Hyatt card is a Visa Signature card. Visa Signature (most places, but definitely at Chase) require a $5,000 minimum credit limit. Before applying, make sure your credit profile supports a $5,000 credit limit. 

Sign Up Bonus/Annual Fee/Foreign Transaction Fee

The sign up bonus is actually a tiered offer, which is broken down below:

  • 25,000 points for spending $3,000 within the first 3 months
  • 25,000 points for spending a total of $6,000 within the first 6 months.

These points are worth 1.8 cents per point (TPG), which means that if you are able to earn the entire sign up bonus, you would be getting $900 in value. If you are looking at Hyatt’s program, the highest category night is 30,000 points, so you would almost be getting 2 nights at any Hyatt property with the sign up bonus.

There is an annual fee of $95 for keeping the card, however there are no foreign transaction fees. 

Reward Categories

Last year, the World of Hyatt card got a revamp that really changed the card. The biggest change in the revamp was the updated categories! There are just so many things that the card will reward you for, and they can be found below:

  • 4x: Hyatt Purchases 
  • 2x: Transit, dining, flights bought directly from the airline, and fitness clubs and gym memberships
  • 1x: Everything Else

Technically speaking, whenever you use your World of Hyatt card at a Hyatt hotel, you are earning 9 points per dollar spent. The reason is that while the card gives you 4x, being a World of Hyatt member rewards you with 5x points per dollar spent. Whether you have the membership or not, when you open the card you will automatically be enrolled in the program. Something to keep in mind next time you’re at a Hyatt hotel!

Other Notable Benefits

When it comes to hotel credit cards there’s one thing that’s always worth looking for, and that is if it comes with a free night. The World of Hyatt comes with a free anniversary night. This means that after you’ve held onto the card for one year, you will be given a free night certificate every year from that point on. The free night is good at Hyatt hotels in categories 1-4, which cover 15,000 points. Of course, keep in mind that there is a $95 annual fee on the card, there is plenty of value to be had with these rooms in category 3 and 4. 

Not only are you enrolled in the World of Hyatt program by opening the card, but you are automatically given Discoverist status. Discoverist status entitles you to late check out/early check in, bottled water, premium internet, and the resort fees are waived when redeeming free nights. Finally, you can get the preferred room within the type of room booked. If you are visiting Las Vegas, Discoverist status also matches over to Mlife Pearl which has its own slew of benefits.

If you are able to spend $15,000 within a year, you can get a free night. Do it one more time and you can earn one more free night. 

Finally using the World of Hyatt card when traveling will come with baggage insurance, trip cancelation/interruption insurance, and purchase protection. 

Cards This Competes With

Ever since the World of Hyatt card got revamped, it increased its annual fee form $75 to $95, which pits this right up against other hotel credit cards.

The Hilton Ascend/Surpass

The Hilton Ascend card comes with a $95 annual fee. Currently the Hyatt card has an increased 130,000 point sign up bonus for spending $4,000 within the first 4 months. With the points being worth 0.5 cents per point, that would put the value of this sign up bonus at $650. Spending at Hilton hotels will net you 12x points, 6x points for supermarkets and restaurants located in the U.S., and 3x Everywhere else. Unfortunately, the card does not come with an annual free night. However, the card does come with Hilton Gold status, which does give its users free breakfast at many Hilton hotels. Finally, the Hilton card does also give you a free weekend night if you are able to spend $15,000 within the year.  

Marriott Bonvoy Boundless

The Marriott Bonvoy Boundless card comes from Chase and it comes also has a $95 annual fee. The sign up bonus is 75,000 points for spending $3,000 within the first 3 months. The points are worth about 0.8 cents per point, so that would be the same as $600. The reward categories include 6x at Marriott hotels and 2x everywhere else. The card also includes an anniversary night within a 35,000 point hotel. Finally, the Boundless grants its users automatic Silver status at Marriott. Unfortunately, that status no longer includes free breakfast.  

Cards This Pairs Well With

When it comes to cards this pairs well with, there aren’t too many. If we are being honest, this card covers a ton of territory for many purchases you’d be making. For the categories this card doesn’t cover, would be where you want to focus on. Depending on how you value Hyatt points, it could even be a good catch all card as one Hyatt point could be worth 1.8 cents even considerably more.

Final Thoughts

When it comes to hotel credit cards, the World of Hyatt card is probably my favorite card. Hyatt points are worth a lot, and they are not shy about rewarding its users. Being able to earn up to 9 points per dollar whenever you use your card at a Hyatt hotel is nothing to scoff at. Also it’s interesting that the card gives you points for spending at fitness clubs and gym memberships as pretty much nobody offers that sort of thing. Flat out, not even a bad card to use for your everyday purchases if you aren’t too invested in the credit card game as 1 Hyatt point can easily be worth 2 cents per point based on your redemption. 

The card also comes with some great benefits including a free anniversary night. While the annual fee on the card is $95, the annual night can easily be redeemed for a room that costs $300, which is tremendous value. The card also comes with automatic Discoverist status which is good for late checkout and early check in. If you are a frequent traveler, Discoverist also matches over to MLife, which covers a lot of the Las Vegas strip. Pearl status there is good for free parking which can save you a ton of money!

If you are looking for a good hotel credit card in the $95 price range, this isn’t a bad one to get; it just offers a ton of value that everybody can use. 

What do you think about the World of Hyatt credit card? Can you personally get  value from Hyatt’s program? Let us know below!

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