World of Hyatt Credit Card Review: Earn Free Nights at Hyatt Hotels

Simply put, this is one of the best hotel cards out there.
8/6/19 | By Christy Rakoczy

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The World of Hyatt Credit Card can be a great choice for those who stay at Hyatt properties even a few times a year. Not only can you benefit from one automatic free night at a Category 1-4 Hyatt resort each year you’re a cardholder, you’ll also earn an additional free night once you spend at least $15,000 during the year.

As a cardholder, you can also earn bonus points for Hyatt purchases and for purchases in other select spending categories, along with being eligible to earn a generous new cardholder bonus.

While the card lacks some of the perks of more full-feature hotel credit cards, such as the Marriott Bonvoy Brilliant, it’s a great mid-tier hotel card that makes earning free nights quick and easy.

Big bonus points on Hyatt stays

The World of Hyatt Credit Card

The World of Hyatt Credit Card

The World of Hyatt Credit Card

Benefits

  • 50,000 point sign-up bonus
  • Up to 9X points per $1 spent on Hyatt stays
  • 1 free night every year
  • Automatic elite status

Drawbacks

  • $95 annual fee
  • Lacks some perks of costlier hotel cards
  • No intro 0% APR on purchases or balance transfers

Who should get this card?

If you plan to stay at a Hyatt property at least once per year, the World of Hyatt Credit Card may be worth it for you.

The annual fee should just about be covered by the free night in a Category 1-4 Hyatt Hotel resort that you earn each year. If you spend at least $15,000 annually on your Card, the second free night makes it an especially good deal.

The free night at Hyatt hotels isn’t the only perk you get. You also benefit from automatic elite status in the World of Hyatt membership program at the Discoverist level. This status gets you benefits like free Wi-Fi and a free bottle of water daily at participating Hyatt hotels.

Card basics

Annual Fee $95
Intro Bonus Earn up to 50,000 Bonus Points: 25,000 after spending $3,000 in the first 3 months, plus an additional 25,000 after spending a total of $6,000 in the first 6 months
Recommended Credit Score Excellent, Good
Foreign Transaction Fee None

Top card benefits

  • Generous sign-up bonus: Earn up to 50,000 Bonus Points: 25,000 after spending $3,000 in the first 3 months, plus an additional 25,000 after spending a total of $6,000 in the first 6 months.
  • Bonus points: Earn four points per $1 spent with Hyatt as well as five base points for each $1 spent as a World of Hyatt member. This means you can earn a total of nine points for each $1 spent on Hyatt stays. You can also earn two points per $1 spent on dining out, transportation, airline tickets purchased directly from the airline, and fitness club or gym memberships.
  • Free hotel stays: Get one free night each year you’re a cardholder at a Category 1-4 Hyatt hotel or resort. Earn an additional free night at a Hyatt hotel or resort after spending $15,000 on your card during the year.
  • Automatic elite status: As a World of Hyatt card member, you get automatic Hyatt Discoverist status in the World of Hyatt membership program. This status comes with perks such as free Wi-Fi and a free bottle of water each day you stay at a Hyatt property.
  • Opportunities to earn a higher status in the World of Hyatt program: Cardholders receive five qualifying night credits to help move up to a higher World of Hyatt membership tier each year as well as an additional two qualifying night credits toward your tier status every time you spend at least $5,000 on your card. Higher statuses come with additional perks, such as late checkout, room upgrades, and free breakfasts.

Earning & redeeming

The best ways to earn World of Hyatt points is to use your card to shop for purchases that net you bonus points.

The chart below shows how many points you can earn per dollar spent in select categories as a World of Hyatt cardholder.

Hyatt purchases 9X
Transportation, including taxis, mass transit, ride-sharing services and tolls 2X
Restaurants, cafes, and coffee shops 2X
Airline tickets purchased directly from the airline 2X
Fitness clubs and gym memberships 2X
All other eligible purchases 1X

Maximizing your redemptions

To get the most bang for your buck, you’ll likely want to redeem your World of Hyatt points for stays at participating hotels.

While your points can be transferred to airline partners or redeemed for experiences at Hyatt hotels (such as spa services), redeeming your points for hotels is usually the best approach for maximum value.

Free nights at Hyatt hotels start at just 5,000 points, so it won’t take long to earn enough points for a free stay.

Common questions

Is the World of Hyatt Credit Card worth it?

With a free hotel stay at a Category 1-4 hotel each year as a standout benefit, the World of Hyatt Credit Card is likely worth it if you can take advantage of the free annual stay. This likely can cover the annual fee. Also, if you spend at least $15,000 on your card during the year, you’ll earn another free night, which further helps justify the annual fee and could make the card worth it.

Is World of Hyatt a credit card?

World of Hyatt is the Hyatt Hotel’s loyalty program. You can earn free nights by staying at Hyatt hotels and resorts, and you can also move up to a higher membership tier after a certain number of hotel stays each year.

While you don’t need to have the World of Hyatt Credit Card to be a World of Hyatt member, the card does automatically entitle you to move up to the Discoverist tier. Having the card could also help you move up to higher tiers more quickly and make you eligible for other benefits, such as additional points for purchases at Hyatt properties.

Does the World of Hyatt Credit Card have foreign transaction fees?

No, there are no foreign transaction fees charged when you use your World of Hyatt Credit Card on purchases outside of the U.S.

Other Cards to Consider

The World of Hyatt Credit Card offers great value for anyone who stays at a Hyatt hotel at least once per year. However, if Hyatt isn’t your go-to property, it may make sense to consider what other hotel cards have to offer.

Depending on where you’re more likely to stay, the Marriott Bonvoy Boundless Credit Card and the Hilton Honors American Express Surpass Card make for great alternatives with locations around the world.

Aside from their generous welcome offers and point-earning flexibility, both are packed with a slew of valuable benefits and features that will earn you free nights in no time — without paying a cent more in annual fees.

Big bonus points on Hyatt stays

The World of Hyatt Credit Card

The World of Hyatt Credit Card

The World of Hyatt Credit Card

Special Offer

Earn up to 50,000 Bonus Points: 25,000 after spending $3,000 in the first 3 months, plus an additional 25,000 after spending a total of $6,000 in the first 6 months

See how these cards compare:

Marriott Bonvoy Boundless Credit Card
Marriott Bonvoy Boundless Credit Card
  • 75,000 point sign-up offer
  • 6X points at participating Marriott Bonvoy hotels
  • One free night each year
  • No foreign transaction fee
Hilton Honors Surpass Card from American Express
Hilton Honors Surpass Card from American Express
  • 125,000 Hilton Honors Bonus Point welcome offer
  • 12X points at participating Hilton hotels and resorts
  • Free weekend night reward stay after spending $15,000 in a calendar year
  • No foreign transaction fee
  • Terms apply

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