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We give The World Of Hyatt Credit Card four out of five Stars. It’s designed to reward you for Hyatt loyalty, offering free nights and enrollment into the World of Hyatt membership tiers.
The World of Hyatt Credit Card is a very rewarding option for people who love to stay with Hyatt. The two main focuses of this card are earning free night stays and pushing you through the ranks of the World of Hyatt membership program.
Just by getting the card you’ll be enrolled into the Discoverist tier, which offers heightened rewards and hotel amenities. You’ll get the chance to earn more points which will improve your member tier and bolster the benefits you receive.
If you don’t like staying with Hyatt, this isn’t the card for you. But if you do, this would be a solid choice (it’s also your only option for a co-branded Hyatt card you can apply for).
Keep reading to find out how best to make your World of Hyatt card work for you!
Not a fan of Hyatt properties? Check out a list of the best hotel credit cards, including cards that aren’t tied to any one hotel brand.
You’ll earn quite a bit with this card at Hyatt properties. You get 4X World of Hyatt points per dollar from the card and 5X points from your automatic Discoverist membership, for a total of 9X on eligible purchases at Hyatt.
If you’re redeeming for a point value of 1–2 cents, your cash back equivalent would be 9%–18% in the 9X category. That’s quite the return on spend. Your cash back equivalent with the same redemption value for the 2X categories would be 2%–4%, which is still pretty solid.
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Additionally, with your automatic enrollment into the Discoverist membership tier, you’ll get a 10% bonus to the Base points earned for Hyatt hotel and resort bookings. You’ll earn that 10% bonus on the eligible rate and incidental charges.
You have a few options when it comes to what you can do with your points. The main focus is using them for free nights, so you’ll find the best value utilizing them for hotel stints.
But you can also:
You can convert points into miles with Hyatt’s partners at a conversion rate of 2.5 points to 1 mile, with a minimum conversion of 5,000 points. After the 5,000, additional conversions can be made in increments of 1,250 points.
Aeromexico | Etihad Airways |
Air China | Hawaiian Airlines |
Air France | Japan Airlines |
All Nippon Airways | InterMiles |
American Airlines | Korean Air |
Asiana Airlines | LAN Airlines S.A. |
British Airways | Qantas Airways (within Australia) |
Asia Miles – Cathay Pacific | Qantas Airlines (outside Australia) |
China Eastern Airlines | Singapore Airlines |
China Southern Airlines | Southwest Airlines |
Delta Airlines | United Airlines |
Emirates Airlines | Virgin Atlantic Airways |
Redeeming your points for hotel stays is pretty simple. Just navigate to the World of Hyatt website where you can choose where and when you would like to stay. Be sure to check the box that indicates you’d like to use your points to pay for your stay.
Hyatt’s properties are sorted into eight different categories. The value you get from your points will fluctuate depending on the category of the hotel you’re looking to stay with, along with other factors like location, date, and the specific room you book. You’ll most likely get a better value for your points at the highest and lowest categories, which is true for some other hotel brands like Marriott and Hilton, too.
We ran through a few examples to suss out what kind of value you might see when using your points for a standard room during a weekend stay (Saturday to Monday):
Location | Category | Cost (per night, tax/fees included) | Points (per night) | Point Value |
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Hyatt Place Cincinnati / Sharonville Convention Center | 1 | $145.83 | 5,000 | 2.92 cents |
Hyatt House Chicago / Oak Brook | 1 | $122.19 | 5,000 | 2.44 cents |
Hyatt House Denver/Downtown | 3 | $135.71 | 12,000 | 1.13 cents |
Hyatt Place Emeryville/San Francisco Bay Area | 4 | $198.03 | 15,000 | 1.32 cents |
Grand Hyatt New York | 5 | $147.40 | 20,000 | .74 cents |
Hyatt Regency Clearwater Beach Resort and Spa | 6 | $404.54 | 25,000 | 1.62 cents |
The Lodge at Spruce Peak | 8 | $594.39 | 40,000 | 1.49 cents |
At these rates, you’re looking at around a 26.3% cash back equivalent if you were to redeem your points for a stay at Hyatt Place Cincinnati / Sharonville Convention Center, assuming you were earning in the 9X point category.
You’d get around a 13.4% cash back equivalent for a night at The Lodge at Spruce Peak, and about a 6.7% cash back equivalent for a night at the Grand Hyatt in New York City. While they’re not as high as the lower categories, those are still solid values.
As you can see, redemptions range from a pretty great value to not so great. But if you’re willing to be flexible in your choice of hotel, you may be able to find a better value.
The most valuable World of Hyatt card benefits revolve around rewarding you with free night stays. You’ll also get automatic enrollment in the World of Hyatt Discoverist membership, and some travel protections.
Purchase APR | Balance Transfer APR | Cash Advance APR |
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15.99% - 22.99% Variable | 15.99% - 22.99% Variable | 24.99% Variable |
Annual Fee | Foreign Transaction Fee |
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$95 | $0 |
Balance Transfer Fee | Cash Advance Fee |
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Either $5 or 5% of the amount of each balance transfer, whichever is greater. | Either $10 or 5% of the amount of each transaction, whichever is greater. |
Penalty APR | Late Fee | Returned Payment Fee |
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None | Up to $39 | Up to $39 |
The World Of Hyatt Credit Card would be a solid option if you frequently stay at Hyatt properties.
The main point of this card is to earn free night stays, and to earn points to redeem for free nights. But the value of your points will fluctuate depending on which property you’re looking to stay at, affecting your cash back equivalents. You’ll typically find the best deals at the highest and lowest categories.
After redeeming your yearly free night, you might hardly notice the $95 annual fee. If your free night gets you a room that would’ve normally cost you $150 or more, it’ll be covered and then some.
You’ll also be able to advance through the ranks of the World of Hyatt membership tiers at a faster pace. Each tier increases your comfort level and point earnings.
If you prefer staying with other hotel brands, this isn’t the card for you. But if you do stay with Hyatt, the rewards you can earn are pretty substantial, and can fast track you to a plethora of free nights.
Simply follow the link below to apply now. It’ll send you over to the credit card issuer’s website where you can follow prompts to fill out an application. No need to stress, you should typically hear back instantly if you’ve been approved or not.
The World of Hyatt Credit Card is typically looking for people with good credit.
So if you’re within 670–739 for FICO or 700–749 for VantageScore, you fall in that category.
While your chances will be better if your credit scores are higher, that doesn’t necessarily guarantee acceptance. Credit card issuers look at a variety of different factors, including income and length of residency and sometimes a few others, when deciding if you qualify or not.
The opposite holds true if you have lower credit scores than what are recommended — you could still be approved. In the end, it all comes down to the card issuer’s discretion.
You’ll get Discoverist status when you’re approved for the card. That gets you a 10% point bonus and some nice amenities like late checkout and room upgrades when available.
The card will also help you to advance through the ranks at a faster pace, thanks to its Tier-Qualifying Night Credit benefits.
Every cardmember anniversary year you’ll be given one free night. You can earn an extra night once per cardmember year by spending $15,000.
The points you earn can be redeemed for hotel nights, but the point requirement varies by hotel category, hotel, room, and date. Take a look at a few examples we ran through.
Your points are typically worth around 1–2 cents, which would give you a cash back equivalent of 9%–18% provided you’re spending at Hyatt properties and earning 9X points per dollar. Point values will vary depending on how and where you redeem; we’ve found rooms at category 1 hotels, for example, where you can get close to 3 cents per point.
When it comes to travel, you have a few different types of credit cards to choose from. You could stick with a credit card co-branded with a hotel, like the World of Hyatt card, or you could go for a card connected to an airline.
There are also general-use travel rewards credit cards that usually don’t offer the high rewards of hotel cards or airline cards, but they do provide more flexibility and a wider range of benefits.
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The Hilton Honors American Express Surpass® Card (Review) is a rewarding option for people who prefer Hilton hotels.
You’ll earn more rewards at Hilton properties than what you’d get with the World of Hyatt card at Hyatt properties, but the point value is lower. On average, the points for Hyatt are worth about 1–2 cents, while Hilton points are worth around 0.4–1 cent. The cash back equivalents (assuming you’re earning in the highest categories) would be around 9%–18% and 12%–30% respectively. So you have the possibility to earn a bit more with the Hilton card, provided you can find the right deal.
Their annual fees are the same, and you’re still able to earn free nights, but you’ll gain airport lounge access with the Hilton card. Both of those features will help mitigate the yearly fee.
However, whereas Hyatt simply gives you a night’s stay on your cardholder anniversary, you’ll need to spend $15,000 in a year to get one from Hilton. But you’ll also gain automatic enrollment into Hilton Honors Gold status. When compared to Hyatt’s Discoverist status, Hilton Honors Gold is more impressive. The Base point bonus is significantly higher, there’s free breakfast, and you’ll get a fifth night free when you redeem your points for five nights or more.
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Additionally, members will earn 18X Base points per dollar at Hilton from their Hilton Honors Gold membership. That brings the total to a hefty 30X points per dollar at Hilton, which can end up providing a cash back equivalent of 12%–30%.
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The IHG® Rewards Club Premier Credit Card (Review) is one of the credit cards offered from IHG — InterContinental Hotels Group.
It features higher rewards at IHG than the World of Hyatt card does at Hyatt properties, but, like Hilton, IHG points are generally worth less than Hyatt points. The IHG card also has a slightly lower annual fee, and like the Hyatt card, a set of useful 2X categories.
The benefits are pretty similar, however the IHG card does have one advantage: an application fee credit for Global Entry or TSA PreCheck. You’ll still get a free night on your cardholder anniversary, and you’ll get the fourth night free when you redeem your points for four nights or more.
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The Marriott Bonvoy Boundless™ Credit Card (Review) features rewards and perks geared towards Marriott Bonvoy enthusiasts.
For an equal annual fee, you’ll earn greater rewards at Marriott Bonvoy properties than you would with the World of Hyatt card at Hyatt properties. However, as the general trend goes, the point value for Marriott Bonvoy is typically slightly less than the point value for Hyatt.
Other than that, these cards are pretty comparable. Both offer free anniversary reward nights and expedited membership tier advancement. The decision really comes down to which property you like best.
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Unlike the other cards here, the Citi Prestige® Card (Review) isn’t tied to any one hotel chain. Instead, it’s a high-end general-use travel rewards card.
Because it’s a high-end card, it carries a considerable annual fee. However, there are a few things that effectively knock the fee down a bit. Firstly, there’s an annual $250 travel credit that can be used on anything travel related. Secondly, if you book four nights at any hotel, you’ll get the fourth for free.
The credit drops the annual fee to $245, and depending on what hotels you stay with and how frequently, the fourth night free benefit could take care of the rest. You’ll also gain wide-ranging airport lounge access and an application fee credit for Global Entry or TSA PreCheck.
The other important aspect of this card is point transfers. While you won’t be earning 9X points per dollar at a single brand, you’ll earn 3X ThankYou points on hotels in general, providing a bit more flexibility. You can then take your points and transfer them to Citi’s airline partners where you may find a higher point value than redeeming them through normal means.
While it is more expensive, it’s more versatile and can make your trips far more comfortable. And, you might be able to find just as high per-point values through point transfers.
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The value of your ThankYou points will fluctuate based on how you redeem them.
If you can find a deal that’ll get you a point value of 2 cents each (a good target to aim for), you’ll be getting an equivalent of 10% cash back in the 5X categories. The 3X categories will provide an equivalent of 6% cash back.
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The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
For rates and fees of the Hilton Honors American Express Surpass® Card, please click here.
The World of Hyatt Credit Card boasts high rewards at Hyatt properties. Its main focus is earning award nights, but it also features automatic enrollment into the World of Hyatt membership program, making your stay even more rewarding and comfortable.
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The information related to Citi Prestige® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
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