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Kliment Dukovski is a writer for finder.com, working on credit cards, money transfers, home loans and more. He aims to deliver honest and accurate information to help you make the right financial decisions. Before joining Finder, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies. When he's not writing about finance-related subjects, he writes sci-fi.
This can be an ideal card for those who often stay at Hyatt hotels and resorts. Not only will you earn accelerated points — which are worth more than what you can earn with competitor cards — but you’ll also earn accelerated points at restaurants, on fitness and gym memberships, airline tickets and local transit.
Furthermore, you can earn a reward night each year if you spend a specific amount annually with this card. This benefit can easily offset the annual fee that you’ll have to pay for the card.
Reward points. Earn 4x bonus points at all Hyatt hotels when using your card — and get an additional 5x base points just by being a World of Hyatt member for a total of 9x points. You also earn 2x points on fitness club and gym memberships, local transit and commuting purchases, at restaurants and on airline tickets purchased directly from the airline. On all other purchases, earn 1x points.
Signup bonus. Spend $3,000 on purchases in the 3 months following your account opening and get 25,000 bonus points. If you spend an additional $3,000 on purchases in the first 6 months, you’ll earn another 25,000 bonus points — for a total of 50,000. As of December 2018, the Hyatt rewards website lists that point redemption for hotel stays starts at 5,000 points for a category 1 hotel and up to 30,000 points for a category 7 hotel.
Earn a reward night each year. Get one night at a category 1 to 4 Hyatt hotel or resort on every card anniversary. And if you spend $15,000 on purchases within a year, you get an additional night in the same category hotels.
How much rewards can I earn with The World of Hyatt Credit Card?
Where you spend
How much you spend
Hyatt hotels and resorts
Local transit and commuting
Fitness and gym membership
Let’s say your annual spending is similar to our example. If you clear the entire signup bonus, you would earn a total of 125,600 Hyatt points for your first year. Points are generally worth between 1 to 2 cents. This means your points earned during your first year minus the annual fee can be worth up to $2,600. Or if you redeem at a category 1 hotel, you can get up to 27 nights.
If your spending continues this way, from the second year, after you pay your annual fee you’ll earn points valued at up to $1,500. Also, you’ll get two nights at a hotel worth between $300 and $600, depending on the property you redeem your points for.
No foreign transaction fee. When you travel abroad you won’t pay any foreign transaction fees for using your card. Other cards have fees up to 3% of each transaction.
Visa concierge. The card comes with a complimentary Visa Signature concierge service available 24/7. This can help you get the perfect gift for a loved one, dinner reservations, tickets to sports and entertainment events and more.
High minimum credit line. Chase determines your credit line based on several factors — but with this card, you won’t get a lower credit line than $5,000.
What to watch out for
Annual fee. The card costs $95 annually. However, the annual reward night you get on your card anniversary can be worth between $100 and $300. This alone offsets the fee and makes every other feature an additional reward.
Signup bonus eligibility. You’re not eligible to get the signup bonus if you already own a Hyatt Credit Card, or if you owned a Hyatt Credit Card and received a signup bonus in the last two years.
No intro APR period. Travel rewards credit cards usually have high APR and have no intro APR period. You may want to look for a 0% intro APR card if you want to consolidate your debt.
You must be a US citizen and at least 18 years old to apply for the card.
When filling out the application form, you need to provide:
Your name, phone number and address.
Date of birth and Social Security number.
Annual income and source of income.
What credit score do I need?
To increase your chances of approval, apply with a good to excellent credit score of 670 or higher.
What do customers say about The World of Hyatt Credit Card
The Better Business Bureau rates JP Morgan Chase credit card division with an A+. Most complaints on the BBB website revolve around the bank and include dissatisfaction with the poor customer service and high interest rates.
As for the card, users love the annual bonus night and the rewards rates. To get the most out of your rewards, you may want to try and pay off your balance each month and avoid interest payments.
How to apply for The World of Hyatt Credit Card.
Learn more about how to apply for the The World of Hyatt Credit Card.
The World of Hyatt Credit Card has a great value if you frequently stay at Hyatt hotels. You get to earn accelerated points on your stays, and every year on your card anniversary you receive a reward night at a Hyatt property. If you spend more than $15,000 annually, you get a second night.
You can earn points by flying with partner airlines or renting a car from AVIS. You also get up to a 25% discount at participating AVIS locations worldwide.
No. Despite looking like one, The World of Hyatt Credit Card is not a metal card.
World of Hyatt points are worth between 1 and 2 cents, depending on what you redeem your points for.
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.
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