5 reasons I love my World of Hyatt Credit Card

It appears every hotel brand has a credit card (or six, within the case of Marriott). So, it may be tough to choose which one to get.

Out of the 33 bank cards presently in my pockets, 1 / 4 of them are from resort manufacturers. And one in every of my prime decisions is the World of Hyatt Credit Card, which is the private bank card from Chase and my favourite resort loyalty program, World of Hyatt.

Listed below are 5 causes I received the cardboard — and plan to maintain it for the long run.

The World of Hyatt card’s $95 annual price is common for a mid-tier cobranded resort card. And it is offset by greater than only one profit — making it a no brainer to maintain in your pockets 12 months after 12 months.

This card presents an annual free night certificate at a Class 1-4 property, legitimate for peak, commonplace and off-peak dates. Meaning you possibly can redeem it for an evening costing between 3,500 and 18,000 factors, with a choice for the upper finish to get maximum value out of the certificate.

I redeemed my free evening certificates on the Andaz Mexico City Condesa (a Class 4 property) final 12 months, and on the Hyatt Home Manchester (Class 2) the 12 months earlier than. Given money charges for these properties begin at $250 and $170, respectively, I received my annual price’s value — after which some.

You can too combine your points and free night certificate on the identical keep; I normally use my certificates for the primary evening after which add nights booked with factors.

In accordance with TPG’s February 2025 valuations, World of Hyatt factors are among the many Most worthy resort factors, value at the least double the worth of Hilton Honors, IHG One Rewards and Marriott Bonvoy factors.

A part of the reason being that World of Hyatt is the one one in every of these 4 main loyalty packages that also sticks to an award chart (for the most part). Normal room redemptions at most Hyatt-affiliated properties price between 3,500 and 45,000 factors.

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Whereas some individuals intention for luxurious resort stays at manufacturers like Park Hyatt, I choose to squeeze probably the most nights out of my Hyatt factors by utilizing them at high-value Class 1 and a pair of properties. For instance, I not too long ago stayed on the glorious Alila Bangsar Kuala Lumpur for under 5,000 factors an evening (the property increases to eight,000 factors an evening March 25).

It is vital to do the mathematics to decide whether using points or cash to e-book a resort keep is healthier. After I use money, I earn 4 factors per greenback spent with Hyatt — together with on meals and spa companies — which is equal to an nearly 7% return on my spending, in accordance with our February 2025 valuations.

I direct most of my basic journey and eating spending to my Chase Sapphire Reserve®, which earns 3 factors per greenback spent. And since Hyatt is one in every of Chase’s 14 transfer partners, I can switch my factors at a 1:1 ratio to prime up my account.

You can too switch Bilt Rewards Factors to Hyatt at a 1:1 ratio.

Transfers are sometimes prompt, however over the previous six months, I’ve had two situations of Chase points taking three to seven days to look in my Hyatt account.

It is secure to say I’ve boarded the Hyatt standing practice. This card offers me my ticket, granting me complimentary Discoverist status only for having it in my pockets.

Whereas this entry-level standing does not give me many perks, the notable ones embody:

• A ten% factors bonus on Hyatt stays
• Upgrades to most popular rooms (topic to availability)
• 2 p.m. late checkout (topic to availability)

My intention final 12 months was to get to mid-tier Explorist standing, which requires 30 nights in a 12 months. I reached this standing tier due to the 5 elite evening standing credit this card grants me and staying 25 nights at Hyatt accommodations.

Whereas not a perk particular to the cardboard, I recognize this system’s Milestone Rewards, which granted me 2,000 bonus factors once I reached 20 nights, and a free evening certificates and two membership entry awards once I reached 30 nights.

This 12 months, I intention to achieve top-tier Globalist status, which requires 60 nights. Because of this card’s 5 elite nights, some current stays and upcoming ones, I am on monitor to get midway there by the center of the 12 months.

This card will give me a lift within the second half of the 12 months, granting me two elite evening credit for each $5,000 spent on it. By 12 months’s finish, I plan to place my nearly $10,000 property tax invoice on this card, plus one other $5,000 or so typically spending, totaling $15,000.

This is the sweet spot to aim for, because it is not going to solely give me six elite evening credit towards my 60-night goal but in addition an extra free evening certificates to redeem at a Class 1-4 property.

Should you ask TPG veterans and specialists on factors and miles which resort program they’re most loyal to, the most typical reply is Hyatt. So, if you wish to intention for top-tier resort standing and revel in some Milestone Rewards alongside the best way, the World of Hyatt card is a superb alternative.

Given the high-value redemptions and free evening certificates, it is also a no brainer for these trying to reduce the money price of resort stays.

Should you do not significantly care about standing however have a card that earns Chase Final Rewards factors, the Hyatt card is a superb alternative, too. Its annual price simply pays for itself annually.

To study extra, learn our full review of the World of Hyatt Credit Card.

Apply right here: World of Hyatt Credit Card

Associated: My top 3 picks for the best cobranded hotel credit card