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

Review: The Hyatt Credit Card – April 2018

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

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  • 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
Balance Transfer Rate (not intro)17.24% to 24.24% variable
APR for Purchases ( Purchase Rate )17.24% to 24.24% variable
Annual fee$75
Cash Advance Rate26.24% variable
Card TypeVisa
Interest Free Period
The interest-free period on purchases is the period or number of days you do not have to pay interest on your card purchases. You will be charged interest either from the day you make a purchase or from the statement date, unless you pay the closing balance in full by the due date (or within the interest-free period) on your statement.
Up to 21 days
Returned Payment Fee$37
Foreign Currency Conversion Fee (VISA)
Foreign currency conversion fees are charged when you make a transaction that is converted by a credit card network, such as MasterCard, Visa or American Express, from Australian dollars to a foreign currency. You’ll also incur a currency conversion fee if you make a purchase or obtain a cash advance in Australian dollars while overseas or shopping online with a foreign merchant or financial institution.
0% of transaction value
Minimum Credit ScoreFair (660-699)
Minimum Age18 years of age
Annual fee$75
Returned Payment Fee$37
Late Payment Fee$37
Cash Advance Fee$10 or 5% of the amount of each transaction, whichever is greater

The Basics

With the Hyatt Credit Card, you’ll earn three 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 p.a. 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 nuts and bolts

Product nameThe Hyatt Credit Card
Issuing bankChase Bank USA
Recommended credit score range680–850 (good to excellent)
Annual fee$75 p.a.
Signup bonus
  • 2 free Hyatt nights after you spend $2,000 in the first 3 months
  • 40,000 points when you add an authorized user and make a purchase within your first 3 months as a cardholder
Intro purchase APRN/A
Intro balance transfer APRN/A
Balance transfer feewhichever is greater, $5 or 5
Foreign transaction fee
Cash advance rate26.24% variable
Cash advance fee$10 or 5% of the amount of each transaction, whichever is greater
Penalty APRNone
Late payment fee
  • Up to $15 if balance is less than $100
  • Up to $27 if balance is $100 to $250
  • Up to $37 if balance is $250 or more
Returned payment feeUp to $37.00
Overlimit fee$0
Maximum credit limitN/A
Minimum interest chargeNone

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 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 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 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 …

  • You want cash back. Look for excellent cash back cards like Citi Double Cash and Blue Cash Preferred.
  • You don’t stay at Hyatt. The Hyatt Credit Card is a good value if you plan to stay at least one night at Hyatt each year. But if you never stay at Hyatt, look for a different hotel-branded credit card — or go with a general travel card like the Chase Sapphire Preferred or the Barclaycard Arrival Plus.
  • Compare other Chase credit cards

    Rates last updated April 20th, 2018
    Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
    Chase Sapphire Preferred® credit card
    17.24% to 24.24% variable
    $0 annual fee for the first year ($95 thereafter)
    Earn 2X points on travel and dining at restaurants.
    Chase Sapphire Reserve
    17.24% to 24.24% variable
    $450
    Earn 50000 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®.
    The Chase Freedom® Unlimited™ credit card
    16.24% to 24.99% variable
    0% Intro APR for 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
    $0
    Earn unlimited 1.5% cash back on every purchase – it's automatic. No minimum to redeem for cash back.
    Chase Freedom® credit card
    16.24% to 24.99% variable
    0% Intro APR for first 15 billing cycles (with whichever is greater, $5 or 5% balance transfer fee)
    $0
    Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate and unlimited 1% cash back on all other purchases.
    Chase Slate® credit card
    16.24% to 24.99% variable
    0% Intro APR for 15 billing cycles (with $0 for transfers in first 60 days. Then $5 or 5% balance transfer fee)
    $0
    Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
    United MileagePlus® Club card
    17.24% to 24.24% variable
    $450
    Enjoy United Club membership, Premier Access® travel services, free checked bags, plus earn miles on every purchase.
    United MileagePlus® Explorer Business card
    17.24% to 24.24% variable
    $0 annual fee for the first year ($95 thereafter)
    50000 bonus miles after you spend $3,000 on purchases in the first 3 months your account is open.
    Southwest Rapid Rewards® Premier Business Credit Card
    17.24% to 24.24% variable
    $99
    Earn 2x points on Southwest® purchases and points on all other purchases. Plus 6,000 anniversary bonus points.
    United MileagePlus® Explorer card
    17.24% to 24.24% variable
    $0 annual fee for the first year ($95 thereafter)
    40000 bonus miles after you spend $2,000 on purchases in the first 3 months from account opening.
    Southwest Rapid Rewards® Plus Credit Card
    17.24% to 24.24% variable
    $69
    Earn 2x points on Southwest® purchases and points on all other purchases. Plus 3,000 anniversary bonus points.
    British Airways Visa Signature® card
    17.24% to 24.24% variable
    $95
    Earn Avios on every purchase and 3 Avios per $1 on British Airways purchases.
    Marriott Rewards® Premier Business credit card
    17.24% to 24.24% variable
    $99
    75000 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.
    Marriott Rewards® Premier credit card
    17.24% to 24.24% variable
    $85
    80000 bonus points after you spend $3,000 on purchases in your first 3 months from your account opening with your Marriott Rewards Premier credit card.
    The Ritz-Carlton Rewards® Credit Card
    17.24% to 24.24% variable
    $450
    2 complimentary nights at any participating Tier 1-4 Ritz-Carlton hotel, after you spend $4,000 on purchases in the first 3 months after account opening.
    The Hyatt Credit Card
    17.24% to 24.24% variable
    $75
    Get 40000 Bonus Points after spending $2,000 on purchases with the Hyatt Credit Card in the first 3 months from account opening.
    Disney® Visa® Card
    17.24% variable
    $0
    Earn 1% in Disney Rewards Dollars on all card purchases.
    Disney® Premier Visa® Card
    17.24% 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).

    Always consider your options and your financial situation before you apply for a credit card.

    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.

    Frequently asked questions

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