The Hyatt Credit Card Review
Hotel credit cards may be the unsung heroes of this industry. While airline credit cards tempt you with the offer of a free trip, and many prefer to earn plain old cash back, hotel cards continue to provide competitive rewards, valuable benefits, and great sign-up bonuses. And unlike restrictive airline awards, hotel awards often come with no blackout dates or capacity controls. One of the best hotel reward cards out there is the Hyatt Credit Card from Chase. It offers new applicants up to 45,000 bonus points, comes with elite status and gives you a free night every year.
How This Card Works
As a new applicant, you can earn 40,000 bonus points in the World of Hyatt program when you spend $2,000 in purchases within three months of account opening. You’ll also receive another 5,000 bonus points after you add your first authorized user who makes a purchase within the same three months.
This card always offers you 3x points for all purchases at Hyatt hotels and resorts, and 2x points at restaurants and for airline and rental car purchases made directly through the travel provider (not a travel agency). Finally, you earn one point per dollar spent elsewhere.
World of Hyatt points can be redeemed for free night stays at Hyatt properties, starting at 5,000 points per night. Realistically, most mid-level properties require 8,000 - 15,000 points per night, but award stays at their most luxurious properties can be as much as 30,000 points per night.
Cardmembers also receive entry-level Discoverist status which comes with a 10% increase in bonus points, complimentary in-room premium Internet, and 2 p.m. late check-out upon request at participating locations. You also get a free night stay certificate each year on your account anniversary that’s good for any Category 1-4 hotel. Other benefits include baggage delay insurance, lost luggage reimbursement, trip cancellation and trip interruption coverage. You also receive purchase protection, price protection and access to the Visa Signature Concierge services. There’s a $75 annual fee for this card, and no foreign transaction fees.
The World of Hyatt program is one of the strongest hotel loyalty programs offered. It lets you use your points to book any unsold standard room with no blackout dates or capacity controls. It also offers you some great mid-range properties such as Hyatt House and Hyatt Place locations.
This card’s sign-up bonus can be enough to earn several free nights at Hyatt properties, potentially worth about $500 to $1,000. It’s also nice that this card offers you 2x points on airline and car rental purchases, as well as entry-level elite status in the World of Hyatt program. Finally, the annual free night stay is great to have, its annual fee is reasonable and it doesn’t impose unnecessary foreign transaction fees like many credit cards still do.
While the awkwardly renamed World of Hyatt program is excellent, it suffers from one serious flaw. Many independently owned Hyatt properties try to game the system by designating the vast majority of their rooms non-standard in some way. This allows them to evade Hyatt’s terms that requires them to release all unsold “standard” rooms as awards. As a result, you can have a hard time using your points to visit some of their top vacation destinations where nearly all rooms are designated as superior simply because they’re labeled as having a “garden view” or something similar.
Another weakness of this card is that it competes with Chase’s other travel rewards cards. For example, the Sapphire Preferred offers double points on all travel and dining, and the card’s Ultimate Rewards points can be transferred to Hyatt, three other hotels programs, and nine different airline programs. When you have the chance to earn an equal or greater amount of bonus points that are more valuable, it’s hard to pass it up.
Finally, this card, like most other reward cards, has a higher standard interest rate than the most competitive non-reward cards. If you tend to incur interest charges by carrying a balance, then you should focus on reducing your interest charges while paying off your debt, not earning rewards.
The Hyatt Credit Card has a great sign-up bonus and strong benefits, but it’s rewards for spending are merely adequate, not exceptional. When you can use your Hyatt points for free night stays, as well as the annual free night certificate, then this card can still offer tremendous value.
Editorial Note: The information related to Hyatt Credit Card has been collected by Credit Cards House and has not been reviewed or provided by the issuer of this card.
First published , last updated
Editorial Note: Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.