Calculate Which Cards Earn You The Most Hyatt Points

Best Cards Calculator
Find out which credit cards from Hyatt and transfer partners can earn you the most Hyatt Points based on your spend. Plus, get our top picks for best credit cards for Hyatt.
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Last Updated 2021-10-13

Hyatt only offers two credit cards that you can use to earn Hyatt Points on everyday spend. Luckily, the World of Hyatt is a direct transfer partner of the Chase Ultimate Rewards Program which opens up several additional cards you can use to earn Hyatt Points.

Review the best credit cards for earning Hyatt Points and calculate which cards earn you the most points and best return based on spend.

Best Credit Cards For Hyatt Points

Hyatt Credit Cards
Chase World of Hyatt Card
Best For Hyatt Spend & Benefits
Chase Ultimate Rewards Cards
Chase Sapphire Reserve®
Best Overall Travel Card For High Value
Chase Sapphire Preferred®
Best For Earning Points At A Low Fee
Chase Cash Back Cards
You must have at least one Chase Ultimate Rewards Card in order to transfer points earned with these cards
Chase Freedom Flexâ„ 
Best For High Earning On Rotating Categories
Chase Freedom Unlimited®
Best For Miscellaneous Purchases
Chase Ink Business Cash® Credit Card
Best For Office Supply Stores & Utilities

Ultimate Rewards Points can be transferred to World of Hyatt at a 1:1 ratio meaning that a transfer of 1,000 Ultimate Rewards Points would give you 1,000 Hyatt Points.

This opens up the ability to earn Hyatt Points using Ultimate Rewards credit cards. Chase's cash back credit cards are also on the table to earn rewards transferable to Hyatt as long as you own at least one Ultimate Rewards credit card.

This is because Chase's cash back credit cards technically earn Ultimate Rewards Points that can be redeemed for 1 cent in value towards cash back. If you own the Chase Sapphire Reserve, Chase Sapphire Preferred, or Chase Ink Business Preferred, you'll be able to transfer points earned with Chase's cash back credit cards to partners which includes Hyatt.

This page details our top picks for the best credit cards for earning Hyatt Points. You can use the calculator to estimate which credit cards can earn you the most points and best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.


Best For Hyatt Spend & Benefits

Chase World of Hyatt Card
Chase World of Hyatt Card

The best card for earning Hyatt Points on Hyatt spend is going to be the Chase World of Hyatt Credit Card.

It earns 4X Hyatt Points on Hyatt spend, 2X on transit, dining, airfare, and gym purchases, and 1X on everything else.

One of the best benefits of the card is the annual free night the card offers that can be used at any category 1-4 Hyatt hotel or resort. This benefit alone is worth the annual fee of the card as you can squeeze some significant value out of it.

Other benefits include complimentary Hyatt Discovery Status, 5 qualifying nights towards elite status annually, the ability to earn additional qualifying nights on spend, and great travel insurance.

If you frequently stay at Hyatt brand hotels, this is a card you'll want to make sure that you have in your wallet.

Chase World of Hyatt Card
Chase World of Hyatt Card
Intro Bonus
Earn up to 60,000 bonus points.
Rewards Rate
4X
Earn 4 bonus Hyatt Points per $1 spent at Hyatt Hotels
2X
Earn 2 bonus Hyatt Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
1X
Earn 1 bonus Hyatt Point per $1 spent on all other purchases
Main Card Highlights
  • Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
  • Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open
  • Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
  • Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
  • Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best Overall Travel Card For High Value

Chase Sapphire Reserve®
Chase Sapphire Reserve®

If you're looking to build points transferable to Hyatt on travel and dining purchases, grab up the Chase Sapphire Reserve®.

It earns earns 10X Ultimate Rewards Points on Chase Dining purchases and both hotel and car rental purchases through Chase Ultimate Rewards, 5X on airline travel purchases through Chase Ultimate Rewards, 3X on dining and other travel purchases, and 1X on everything else. Points can be transferred to World of Hyatt at a 1:1 ratio.

In the case that you can't find good redemption with Hyatt, as a Chase Sapphire Reserve cardholder you'll be able to redeem Ultimate Rewards Points for 1.5 cents towards travel through Chase Ultimate Rewards. This a great, high-value alternative redemption for booking with Hyatt.

The card also comes with a load of other benefits which includes up to $300 in annual travel credit, Priority Pass Select Membership, up to a $100 statement credit towards a Global Entry or TSA PreCheck application, superb travel insurance, and much more.

If you enjoy travel, dining, and Hyatt, the Chase Sapphire Reserve is the best option for maximum value.

Chase Sapphire Reserve®
Chase Sapphire Reserve
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
Rewards Rates
10X
Earn 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards®.
5X
Earn 5X total points on air travel through Chase Ultimate Rewards®.
3X
Earn 3X points on other travel and dining.
1X
Earn 1 point per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Ultimate Rewards®
  • $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year. Through December 31, 2021, gas station & grocery store purchases will also count towards earning your Travel Credit
  • Earn 5X total points on air travel and 10X total points on hotels and car rentals when you purchase travel through Chase Ultimate Rewards® immediately after the first $300 is spent on travel purchases annually. Earn 3X points on other travel and dining & 1 point per $1 spent on all other purchases
  • Get 50% more value when you redeem your points for travel through Chase Ultimate Rewards®. For example, 60,000 points are worth $900 toward travel
  • With Pay Yourself Backâ„ , your points are worth 50% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit for Global Entry or TSA Pre✓®
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more
Annual Fee
$550
Authorized User Fee
$75 for each additional user
Foreign Transaction Fee
0%

Best For Earning Points At A Low Fee

Chase Sapphire Preferred®
Chase Sapphire Preferred®

The Chase Sapphire Preferred® is a great option if you're looking to build a steady stream of points transferable to Hyatt at a low fee and don't need all the bells and whistles of the Chase Sapphire Reserve.

It earns 5X points on travel purchases through Chase Ultimate Rewards, 3X on online grocery purchases, select streaming services, and dining purchases, 2X on other travel purchases, and 1X on everything else. Points can be transferred to World of Hyatt at a 1:1 ratio.

The card offers a 25% boost to the value of Ultimate Rewards Points when redeemed towards travel through the Chase Ultimate Rewards portal. This is a great alternative if you need to redeem points for airfare, car rentals, or other travel.

The Chase Sapphire Preferred also offers a $50 anniversary hotel credit redeemable through Chase Ultimate Rewards and a 10% cardmember anniversary bonus which can net you some extra points every year (transferrable to Hyatt of course).

Chase Sapphire Preferred®
Chase Sapphire Preferred
Intro Bonus
Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
Rewards Rates
5X
Earn 5X points on travel purchased through Chase Ultimate Rewards®.
3X
Earn 3X points on online grocery purchases, select streaming services, and dining.
2X
Earn 2X points on all other travel purchases.
1X
Earn 1X points per dollar spent on all other purchases.
Main Card Highlights
  • Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Ultimate Rewards®.
  • Enjoy new benefits such as a $50 annual Ultimate Rewards Hotel Credit, 5X points on travel purchased through Chase Ultimate Rewards®, 3X points on dining and 2X points on all other travel purchases, plus more.
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Ultimate Rewards®. For example, 100,000 points are worth $1,250 toward travel.
  • With Pay Yourself Backâ„ , your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories.
  • Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash's subscription service. Activate by 12/31/21.
  • Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
  • Get up to $60 back on an eligible Peloton Digital or All-Access Membership through 12/31/2021, and get full access to their workout library through the Peloton app, including cardio, running, strength, yoga, and more. Take classes using a phone, tablet, or TV. No fitness equipment is required.
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Business Spend

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred® Credit Card

The Chase Ink Business Preferred® Credit Card is one of the top options if you're looking to earn points on your business spend.

It earns 3X points on up to $150,000 in combined annual spend on travel, shipping, internet, cable, phone, and advertising purchases and 1X points on everything else. Points can be transferred to World of Hyatt at a 1:1 ratio.

The card grants a 25% boost to the value of Ultimate Rewards Points redeemed through Chase Ultimate Rewards which gives you some flexibility in the case you need to use points towards other types of travel such as airfare or car rentals.

The Chase Ink Business Preferred Credit Card also comes with great travel insurance which can be helpful in the case that a business trip doesn't go as planned.

Chase Ink Business Preferred® Credit Card
Chase Ink Business Preferred Credit Card
Intro Bonus
Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
Rewards Rate
3X
Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year
1X
Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn
Main Card Highlights
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
  • Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account
Annual Fee
$95
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For High Earnings On Rotating Categories

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 

The Chase Freedom Flexâ„  is no-annual fee cash back credit card offered by Chase that features bonus categories that rotate quarterly.

You'll earn 5% cash back on up to $1,500 in purchases made in the featured categories and then 1% back after that. It also earns an automatic 5% back on Chase Travel, 3% back on dining at restaurants and drugstore purchases, and 1% back on all other purchases.

(Note: The Chase Freedom Flexâ„  earns Ultimate Rewards Points that can be redeemed for 1 cent each towards cash back. If you own a Chase Ultimate Rewards credit card, you'll be able to transfer these points to Chase's airline and hotel partners which includes Hyatt.)

Being able to earn the equivalent of 5X Hyatt Points across rotating categories will give you an unbeatable return on your spend. If you plan on earning Ultimate Rewards Points, you're going to want to have the Chase Freedom Flex as there's really no downside to having it.

Chase Freedom Flexâ„ 
Chase Freedom Flexâ„ 
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1%
Earn 1% on all other purchases.
Main Card Highlights
  • Enjoy new 5% categories each quarter!
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee.
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Miscellaneous Purchases

Chase Freedom Unlimited®
Chase Freedom Unlimited®

The Chase Freedom Unlimited® is another cash back credit card offered by Chase that's almost mandatory if you're looking to maximize your rewards.

It earns 5% cash back on the Chase Travel Portal, 3% back on dining at restaurants and drugstore purchases, and 1.5% back on all other purchases ran through the card.

(Note: The Chase Freedom Unlimited earns Ultimate Rewards Points that can be redeemed for 1 cent each towards cash back. If you own a Chase Ultimate Rewards credit card, you'll be able to transfer these points to Chase's airline and hotel partners which includes Hyatt.)

The big plus to this card is the 1.5% back on non-category purchases. This is a higher earning rate than the 1X and 1% back you'll earn with most of Chase's credit cards. It may not seem like a big jump, but it adds up fast, especially when redeeming Ultimate Rewards Points for high redemption value (e.g. Hyatt and first/business class flights).

If there's one card that needs to be paired with an Ultimate Rewards credit card, it's going to be the Chase Freedom Unlimited.

Chase Freedom Unlimited®
Chase Freedom Unlimited®
Intro Bonus
Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
Rewards Rate
5%
Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
5%
Earn 5% on Chase travel purchased through Ultimate Rewards®.
3%
Earn 3% on dining and drugstores.
1.5%
Earn unlimited 1.5% cash back on all other purchases.
Main Card Highlights
  • Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.
  • Earn 5% cash back on grocery store purchases (not including Target® or Walmart® purchases) on up to $12,000 spent in the first year.
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • 0% Intro APR for 15 months from account opening on purchases, then a variable APR of 14.99 - 23.74%.
  • No annual fee
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best For Office Supply Stores & Utilities

Chase Ink Business Cash® Credit Card
Chase Ink Business Cash® Credit Card

If your business spends heavy at Office Supply Stores or on utilities, you'll want to pair an Ultimate Rewards credit card with the Chase Ink Business Cash® Credit Card.

This card earns a whopping 5% cash back on up to $25,000 in combined spend at office supply stores and on internet, cable, and phone services, 2% cash back on up to $25,000 in combined spend between gas station and restaurant purchases, and 1% back on everything else.

(Note: The Chase Ink Business Cash Credit Card earns Ultimate Rewards Points that can be redeemed for 1 cent each towards cash back. If you own a Chase Ultimate Rewards credit card, you'll be able to transfer these points to Chase's airline and hotel partners which includes Hyatt.)

Probably one of the best things about this card is that office supply stores typically sell gift cards. This "technically" allow you to earn 5X points across multiple categories.

For instance, if you were to buy a $100 Autozone gift card, you would essentially be earning 5X on an Autozone purchase. So if you don't mind purchasing gift cards, you can easily rake up some easy points.

Overall, the no-annual fee Chase Ink Business Cash® Credit Card is a great business card regardless of whether you're looking to earn points transferable to Hyatt or general cash back

Chase Ink Business Cash® Credit Card
Ink Business Cash® Credit Card
Intro Bonus
Earn $750 bonus cash back after you spend $7,500 on purchases in the first 3 months from account opening
Rewards Rate
5%
Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year
2%
Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year
1%
Earn 1% cash back on all other card purchases with no limit to the amount you can earn
Main Card Highlights
  • Redeem rewards for cash back, gift cards, travel and more through Chase Ultimate Rewards®
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
  • With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
  • 0% introductory APR for 12 months on purchases
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
3%

Best Credit Cards For Hyatt Points Summary

Credit Card Best For Annual Fee See All Available Offers
Chase World of Hyatt Credit Card Hyatt Spend $95 Learn More
Chase Sapphire Reserve® Elite Travel Benefits $550 Learn More
Chase Sapphire Preferred® Best For Earning Points At A Low Fee $95 Learn More
Chase Ink Business Preferred® Credit Card Business Spend $95 Learn More
Chase Freedom Flexâ„  High Earning On Rotating Categories $0 Learn More
Chase Freedom Unlimited® Miscellaneous Purchases $0 Learn More
Chase Ink Business Cash® Credit Card Office Supply Stores & Utilities $0 Learn More

Best Credit Cards For Hyatt Points Calculator

The Best Credit Cards For Hyatt Points Calculator will give you an idea of which credit cards will earn you the most Hyatt Points based on your spend.

Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees. You'll want to take into consideration the benefits a card offers as well on top of the estimated value calculated.

Results will consist of top-rated credit cards that either earn Hyatt Points directly or earn rewards that can be transferred directly to the World of Hyatt program. Earning rates listed for partner credit cards are based on transfer ratio of points to the World of Hyatt program.

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