Is the Hyatt Credit Card worth it? 3x points and more | finder

Review: The Hyatt Credit Card – August 2018

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An attractive hotel-branded card with strong point earnings, an annual free night and a complimentary status upgrade in the World of Hyatt program.

  • Get this card if… you stay at Hyatt often or want to save up for an occasional Hyatt stay.
  • Pick something else if…you don’t stay at Hyatt.
  • Recommended good to excellent credit score of 680 or higher.
Product NameThe Hyatt Credit Card
Card TypeVisa
Annual Fee$75
APR (Annual Percentage Rate) for Purchases17.74% to 24.74% variable
Balance Transfer Fee5% or $5 of the transaction, whichever is greater
Cash Advance Rate26.74% variable
Cash Advance Fee$10 or 5% of the cash advance amount, whichever is greater
Foreign Transaction FeeNone
Interest Free PeriodUp to 21 days
Minimum Interest$0
Late Payment Fee$37
Returned Payment Fee$37
Additional Cardholder Fee$0
Minimum Age18 years of age
Welcome BonusEarn 40,000 points after your first purchase
Reward Value per Dollar1 points
Rewards Points ExpiryNever

The Basics

With The Hyatt Credit Card, you’ll earn 3 points per dollar you spend at Hyatt. That’s in addition to the five points you’ll earn as a member of the World of Hyatt program. Those are strong earnings, and you’ll earn even more points from spending on other things, like 2x points on dining, airline tickets and car rentals and 1x points on everything else you spend.

The Hyatt Credit Card is best for two types of travelers: those who stay at Hyatt regularly and those who want to save up for a free Hyatt stay once in a while. Hotel regulars will like the boost in point earnings. Occasional visitors will like that it’s easy to earn free Hyatt stays; a free night starts at 40,000 points.

You’ll pay a $75 annual fee, but you can earn two free Hyatt nights after spending only $2,000 in the first three months. You’ll also receive a free night every year after your card anniversary, which by itself could make the annual fee worth paying. And you’ll get a complimentary upgrade to Discoverist status in World of Hyatt — which brings benefits like free premium internet and late checkout at participating locations.

The Perks

  • SIGNUP BONUS: Free Hyatt nights and bonus points.

If you spend $2,000 in the first three months, you’ll earn two free nights at any Hyatt property. And if you add an authorized user and make a purchase on that card within the first three months, you’ll earn 40,000 bonus points.

  • POINTS: More points on travel.

Earn 3x points at Hyatt. Earn 2x points on dining, airline tickets and car rental agencies. And earn 1x points on everything else you buy.

What are points used for?

As you use your The Hyatt Credit Card, you’ll earn World of Hyatt points. You can redeem these points for a variety of rewards, such as:

  • Free nights at Hyatt properties (starting at 40,000 points).
  • Dining and spa experiences.
  • Free nights at MGM Resorts properties.
  • Point transfers to airline frequent flyer programs.
  • Car rentals.
  • Credits for Hyatt events.
  • A free night every year.

Every year after your cardmember anniversary, you’ll earn a free night at a Category 1–4 hotel in the World of Hyatt program.

  • Complimentary upgrade in the World of Hyatt loyalty program.

As a The Hyatt Credit Card member, you’ll receive a complimentary upgrade to Discoverist status in the World of Hyatt loyalty program. This tier comes with perks like free premium internet access and late checkout at participating locations.

You’ll also like …

  • No foreign transaction fees. Use your The Hyatt Credit Card internationally without incurring transaction fees.
  • Travel and purchase coverage. Enjoy benefits like baggage delay insurance, lost luggage reimbursement and trip cancellation insurance. You’ll also get purchase and price protection.
  • Access to Visa Concierge. Use the Visa Signature Concierge to make plans for dining and entertainment.

What to watch out for

  • It hurts to pay late. Making late or returned payments could result in fees as high as $37.

Consider other cards if …

Compare other Chase credit cards

Updated August 19th, 2018
Name Product APR for Purchases (Purchase Rate) Intro APR for Balance Transfer Annual Fee
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Earn 50,000 points when you spend $4,000 on purchases within the first 3 months of your account opening, and an additional 30,000 points when you spend a total of $30,000 on purchases within the first year of your account opening.
17.74% to 24.74% variable
$450
Earn 50,000 BONUS POINTS after spending $4,000 on purchases in the first 3 months from account opening* — that's $750 toward travel when you redeem through Chase Ultimate Rewards®.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn unlimited 1.5% cash back on every purchase - it's automatic. No minimum to redeem for cash back.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Earn 5% Cash back in bonus categories up to $1,500 every quarter. Earn 1% Cash back on all other purchases.
16.74% to 25.49% variable
0% for the first 15 months (then 16.74% to 25.49% variable)
$0
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
17.74% to 24.74% variable
$450
Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
50,000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
17.74% to 24.74% variable
$99
Earn 2x points on Southwest® purchases and 1x point on all other purchases. Plus 6,000 anniversary bonus points.
17.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
40,000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.* Plus a $100 statement credit after your first purchase.
17.74% to 24.74% variable
$69
Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
17.74% to 24.74% variable
$95
Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
17.74% to 24.74% variable
$99
75,000 Bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier Business credit card.
17.74% to 24.74% variable
$75
Get 40,000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
17.74% variable
$0
Earn 1% in Disney Rewards Dollars on all card purchases.
17.74% variable
$49
Earn a $200 statement credit after you spend $500 on purchases in the first 3 months from account opening.

Compare up to 4 providers

What should I know before I apply?

To apply for The Hyatt Credit Card, you must be at least 18 years old (or 19 in Alabama and Nebraska).

Information you’ll need

      • Full name
      • Address and residential status
      • Annual income, source of income and employment information
      • Contact information
      • Social Security number and mother’s maiden name

What credit score do I need?

You’ll have a better chance of being approved for The Hyatt Credit Card if you apply with a good to excellent credit score of 680 or higher.

How to apply for The Hyatt Credit Card

1. Go to the Chase website and click Apply Now.

step 1 Hyatt Credit Card

2. Complete the application with your name, address, annual income and Social Security number. Then review your application and submit it.

step 2a Hyatt Credit Card

step 2b Hyatt Credit Card

step 2c Hyatt Credit Card

How long will it take to be approved?

Because conditional approval is automated on the Chase website, you’ll often get a decision immediately. In some cases, you’ll need to wait a few days to a few weeks to receive a response.

I got the card. Now what?

      • Making payments. You can pay your card bill online at the Chase website. You can also enroll in autopay.
      • Avoiding interest payments. After the close of each billing cycle, you have a grace period of 21 days to pay your balance. If you do, you won’t pay interest on your purchases.
      • Avoiding fees. Late and returned payments come with hefty fees of up to $37. Balance transfers and cash advances also come with fees.
      • Customer service. If you have questions, you can contact Chase support at 1-800-436-7941, email or even Twitter.

Bottom line

The Hyatt Credit Card is most attractive for Hyatt regulars, but it can also be valuable for occasional visitors to the hotel.

But, if you’ve never stayed in a Hyatt and aren’t planning on it anytime soon, why not compare some other credit cards that reward you for staying at hotels you prefer to use.

Frequently asked questions

Kevin Joey Chen

Kevin Chen is a world-travelin', copy-writin', Game of Thrones-watchin' credit cards writer for finder.com. When he's not crunching the numbers on bonus points and comparing APRs, you can find him flying around the world in search of the perfect beer.

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