Chase World of Hyatt Credit Card
Calculate how many Hyatt Points you can earn and the cash value of the World of Hyatt Card based on monthly/yearly spend, card benefits, and the fee. Compare the results side by side any rewards credit card.
The World of Hyatt Credit Card is a superb choice for anyone looking to build Hyatt Points. It earns a solid return for Hyatt purchases and provides several additional categories such as dining and transportation. Cardholders will also earn a free night, status with the World of Hyatt Program, qualifying nights, and more.
The Chase World of Hyatt Credit Card features five bonus categories which are Hyatt purchases, dining, airfare, transportation, and gym/fitness. There is no limit to the amount of points you can earn spending in these five bonus categories. Below are the details on each category.
The World of Hyatt Credit Card earns 4 Hyatt Points per $1 spent on purchases made at Hyatt Hotels. This includes purchases at participating restaurants that are owned, managed, or franchised by Hyatt. Since Hyatt Points are worth 1.8 cents each, this means you're looking at a 7.2% return which is great! With the exception of the Hilton Credit Cards it's hard to find co-branded hotel cards that offer such a high return on their own properties. I would say the Hyatt Card is the best you can get as far as Hyatt Purchases.
Spending in the dining category with the World of Hyatt Credit Card will earn you 2 Hyatt Points per $1 spent. Dining for the Hyatt Card is defined as anything coded as such including fast food and fine dining. Restaurants on Hyatt Properties that fall under the 4x Hyatt category bonus are excluded.
This category, along with all the ones that follow, will produce a return of 3.6%. If you're looking to earn Hyatt Points, that's a great return and worth using the card for, but do note that Chase's Ultimate Rewards Points transfer to Hyatt at a 1:1 ratio. This means you can use cards such as the Chase Sapphire Reserve to earn 3x Ultimate Rewards Points on dining purchases and transfer those points over to the World of Hyatt which in turn earns you 3x Hyatt Points on dining. This can earn you more points in the long run if you do not care about the perks and bonuses this card provides and merely want Hyatt Points.
If you're looking in terms of the return, it can be out done on several cards including the Barclay Uber Card (4% cash back; no annual fee). The rewards on the Uber Card does not have to be used for Uber. They can be used for gift cards, statement credits, and more.
Paying for airfare directly with the airline with the World of Hyatt Credit Card will earn 2 Hyatt Points per $1 spent. Third party bookings through sites like Orbitz and Expedia will not earn the double Hyatt Point bonus. For earning Hyatt Points, this is a great rate, but can be outdone when points are transferred to the program when using the Chase Sapphire Reserve (3x Travel) or Chase Ink Business Preferred (3x Travel).
In terms of overall return, several cards can produce a higher return. The Sapphire Reserve and Ink Business Preferred listed above both earn a return of 4.5% and 3.75% respectively. The AMEX Platinum Card earns a 5% return when it comes to earning Membership Reward Points which are valued at 1 cents each but can be worth a lot more.
Using the World of Hyatt Credit Card on various forms of transportation purchases will net 2 Hyatt Points per $1 spent. Transportation purchases are defined as:
- Passenger Trains
- Toll Bridges and Highways
- Parking Lots and Garages
Again, since this is still falls under Chase's travel category, the Chase Sapphire Reserve and Ink Business Preferred would produce a higher amount of Hyatt Points and a better return as with the airfare category above.
Gym/Fitness purchases will earn 2 Hyatt Points per $1 spent when using the World of Hyatt Credit Card. Gym and Fitness purchases are considered to be:
- Health Clubs
- Exercise Clubs
- Athletic Facilities Requiring Membership For Fitness
- Fitness Clubs
- Fitness Centers
- Fitness Studios
- Cardio Fitness
- Yoga / Cross Fit Training
Earning bonus points on gym and fitness purchases is not common within the credit card industry, especially for a co-branded hotel card. When it comes to both Hyatt Points and overall return, the Hyatt Credit Card is where you want to put these purchases.
1x Non Category
Any purchases on the World of Hyatt Credit Card outside of the five categories listed above will earn 1 Hyatt Point per $1 spent. Since Hyatt points are worth so much, this is a solid choice for anyone looking to earn them. The only card that can get a higher return on Hyatt Points is the Chase Freedom Unlimited card since it earns 1.5% back, but that's only transferrable if you own one of Chase's Ultimate Rewards Point earning cards consisting of the Chase Sapphire Preferred, Chase Sapphire Reserve, or Chase Ink Business Preferred cards. If you don't have either of those three cards and don't plan on picking them up, putting non-category spend across the World of Hyatt Card is justifible.
Perks and Benefits
Annual Free Night Award
World of Hyatt credit card holders will earn a free night annually and is good for one night at a standard room at a Hyatt Hotel or Resort that is designated as a Category 1 to 4 under the Hyatt program. These free night awards do not apply to category 5 hotels and higher, Miraval, Hyatt Zilara or Hyatt Ziva resorts or Oasis homes.
Free nights is a common perk amongst co-branded hotel credit cards. All IHG Credit Cards and Marriott Credit Cards come with a free annual night award. The luxury Hilton Aspire Card also comes with free weekend nights. Outside of co-branded credit cards, Citi's luxury Prestige Card earns a complimentary 4th night at hotels when you book through them which could save you a few hundreds depending on how often you stay 4 consecutive nights.
Additional Free Night Award
Spending $15,000 on the World of Hyatt credit card will earn an additional free night. This free night has the same restrictions as the Annual Free Night Award listed above. A few other cards offered bonus nights based on spending including All Radisson Credit Cards which require $10k in spend per free night with a max earning of three nights and the Hilton Honors Business Card earns a weekend night after $15k in spend.
Hyatt Discoverist Status
World of Hyatt Credit Card holders will also be granted Hyatt Discoverist Status in the World of Hyatt program which consits of complimentary room upgrades, priority check-in, late check-out and more. This perk will not apply to authorized users.
5 Qualifying Nights
World of Hyatt credit card holders will earn 5 qualifying nights towards World of Hyatt status. These qualifying nights are issued annually within 8 weeks of January 1st. All seven Marriott Credit Cards also offer qualiying nights toward elite status.
Earn Additional Qualifying Nights
For every $5,000 in purchases on the World of Hyatt Card, the account holder will earn an additional 2 qualifying nights towards World of Hyatt status. There is no limit to the amount of qualifying nights that can be earned through spend.
Sign Up Bonus
The standard sign up bonus for the Hyatt Credit Card is 50,000 bonus points. You will earn 25,000 points after spending $3,000 within the first 3 months of account opening and can earn an additional 25,000 points after you spend $6,000 (total) within the first 6 months of account opening. In the terms of cash value, that is a value of $900 since a Hyatt Point is generally worth 1.8 cents per point. If you're looking for free nights, this is worth 10 free nights at a Category 1 hotel or 1 free nights at a Category 8 hotel. You can even use this bonus to stay a few night at their all-inclusive hotels!
Credit Card Fees
|Authorized User Fee|
|Foreign Transaction Fee|
The World of Hyatt Credit Card annual fee is $95. This is in line with other entry co-branded credit cards such as the Marriott Bonvoy Boundless Card and Best Western Premium Credit Card. At a rate of 1.8 cents per Hyatt Point along with the bonus points from Discoverist Status, you can break even with the Hyatt Card's annual fee after spending about $560 at Hyatt Properties.
Authorized User Fee
The World of Hyatt Credit Card does not charge a fee for adding authorized users. If you have any family or friends that shop in the bonus categories listed above, I recommend adding them as additional users. This could be an easy way to build Hyatt Points.
Foreign Transaction Fee
There is no foreign transaction fee for using the World of Hyatt Credit Card for out of country purchases. This means you can still earn a great return even when using the card worldwide.
You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.
All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.
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