Calculator: Best Credit Cards For Earning Hyatt Points

Credit Card Rewards Calculator
Input your monthly and yearly spend amounts into our point calculator to find the best credit cards that earn you the most Hyatt Points.
Last Updated 2022-10-27 By R.Flowers III

Hyatt offers two credit cards that you can use to earn Hyatt Points on everyday spend. The program is also a direct transfer partner of the Chase Ultimate Rewards Program which allows you to transfer Ultimate Rewards Points to the World of Hyatt program at a 1:1 ratio.

Chase's four 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.

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

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Chase Sapphire Reserve®

Best Premium Card For Hyatt Travelers
  • Earning Rate: Earn 10X points on Chase Dining and both hotel and car rental purchases through Chase Ultimate Rewards, 5X on airfare through Chase Ultimate Rewards, 3X on dining and other travel purchases, and 1X on everything else.
  • Annual Credits: $300 travel credit.
  • Main Highlights: Priority Pass Select membership, up to $100 towards a Global Entry or TSA PreCheck application, top-notch travel insurance, and a 50% boost to point value on travel redemptions made through Chase Ultimate Rewards.
  • Transfer Ratio: Every 1,000 Chase Sapphire Reserve points transferred to Hyatt will give you 1,000 Hyatt points.
  • 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®.
  • Annual Fee: $550.
  • Summary: The value of the benefits this card offers far exceeds the annual fee, especially if you're going to be using points for Hyatt. At a 1:1 ratio, you're looking at the equivalent of earning 3X to 10X Hyatt points per $1 spent which is way more than any Hyatt credit card will get you. If you frequent Hyatt's and you want both lounge access and top-notch travel benefits, this is the card to have.

Chase Sapphire Preferred® Card

Best For Flexible Travel Rewards
  • Earning Rate: Earn 5X Ultimate Rewards points on travel purchases through Chase Ultimate Rewards, 3X on dining, online grocery purchases, and select streaming services, 2X on other travel purchases, and 1X on everything else.
  • Annual Credits: $50 credit towards hotels booked through Chase Ultimate Rewards portal.
  • Main Highlights: 10% bonus points annually based on how much you spent the prior cardmember year and a 25% boost to point value when redeemed for travel through Chase Ultimate Rewards.
  • Transfer Ratio: Every 1,000 Chase Sapphire Preferred points transferred to Hyatt will give you 1,000 Hyatt points.
  • 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®.
  • Annual Fee: $95.
  • Summary: You can rake up a nice amount of points on dining and travel purchases using this card. You'll also have a ton more flexibility when it comes to redeeming your rewards since you can transfer points to a handful of airline and hotel partners as well as redeem points directly through Chase Travel for 1.25 cents each.

Chase World of Hyatt Card

Best For Hyatt Spend & Benefits
  • Earning Rate: Earn 4X Hyatt points at Hyatt Hotels, 2X at restaurants and on airline tickets purchases directly from airlines, local transit and commuting, and fitness club and gym memberships, and 1X on everything else.
  • Main Highlights: Annual free night award good at a Category 1 - 4 Hyatt hotel, complimentary World of Hyatt Discoverist status, and 5 qualifying nights towards status.
  • Intro Bonus: Earn up to 60,000 bonus points. 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.
  • Annual Fee: $95.
  • Summary: This is the best credit card for earning on Hyatt purchases. It's also solid option if you want elite stats or want to work your way towards higher status spending on the card. Quite frankly, it's worth picking up the card for the annual free night award alone.

Chase Ink Business Preferred® Credit Card

Best For Business Travel and Expenses
  • Earning Rate: Earn 3X points on up to $150,000 on travel, shipping, internet, cable services, phone services, and advertising purchases each account anniversary year. All other purchases earn 1X.
  • Main Highlights: 25% point value boost towards travel booked through Chase Ultimate Rewards.
  • Transfer Ratio: Every 1,000 Ink Preferred points transferred to Hyatt will give you 1,000 Hyatt points.
  • 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®.
  • Annual Fee: $95.
  • Summary: When it comes to earning on popular business categories and travel, this card outshines Hyatt's own business credit card on everything but spending directly with Hyatt. If you want to use your business expenses to build lots of points, this is the card to do so with. Also, the intro bonus for this card is equal to a hefty amount of free nights at Hyatt brand hotels.

Chase World of Hyatt Business Card

Best For Hyatt Business Travelers
  • Earning Rate: Earn 4X Hyatt points at Hyatt hotels, 2X on your top two eligible spend categories, 2X on fitness club and gym membership, and 1X on everything else.
  • Main Highlights: Up to $100 in Hyatt statement credits, complimentary World of Hyatt Discoverist status, ability to earn 5 Elite nights for every $10K spent, and a 10% point rebate after spending $50K on the card during the year.
  • Intro Bonus: Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • Annual Fee: $199.
  • Summary: This is the best business card for earning Hyatt points spending at Hyatt properties. This card can also be very rewarding if you're a heavy spender as you can earn a nice rebate and basically spend your way to higher status in the program.

Chase Freedom Flexâ„ 

Best For High Earnings On Rotating Categories
  • Earning Rate: Earn 5% back on up to $1,500 in quarterly spend between featured rotating categories along with 5% on Chase Travel, 3% back on drugstore and dining at restaurants, and 1% back on everything else.
  • Rewards Structure: Cash back earned with this card is displayed as Ultimate Rewards points.
  • Main Highlights: Quarterly rotating categories.
  • Transfer Ratio: Points cannot be transferred directly to Hyatt, but can be transferred to the Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.
  • Intro Bonus: Earn $200 cash back after you spend $500 on the card within the first 3 months from account opening.
  • Annual Fee: $0.
  • Summary: Earning 5X points on quarterly rotating categories at no annual fee is a win-win. The 3X on drugstore and dining is also a big plus. Pairs well with the Sapphire Preferred and Sapphire Reserve.

Chase Freedom Unlimited®

Best For Miscellaneous Purchases
  • Earning Rate: Earn 5% back on travel booked through Chase Ultimate Rewards, 3% back on drugstore and dining at restaurants, and 1.5% back on everything else.
  • Rewards Structure: Cash back earned with this card is displayed as Ultimate Rewards points.
  • Main Highlights: Great return on general spending.
  • Transfer Ratio: Points cannot be transferred directly to Hyatt, but can be transferred to the Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.
  • Intro Bonus: Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
  • Annual Fee: $0.
  • Summary: This card's strength is the 1.5X on general spending while all other cards only earn 1X. Pair this with the Sapphire Preferred or Sapphire Reserve and you have yourself an excellent combo for building points transferable to Hyatt.

Chase Ink Business Cash® Credit Card

Best For Office Supply Stores & Utilities
  • Earning Rate: 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% back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year, and 1% back on everything else.
  • Rewards Structure: Cash back earned with this card is displayed as Ultimate Rewards points.
  • Main Highlights: High earning rates and the ability to transfer points to other Chase credit cards.
  • Transfer Ratio: Points cannot be transferred directly to Hyatt, but can be transferred to the Sapphire Reserve, Sapphire Preferred, and Ink Business Preferred.
  • Intro Bonus: Limited Time Offer! Earn $900 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening.
  • Annual Fee: $0.
  • Summary: The selling points for this card is it's 5X categories, especially office supply stores (which sells gift cards). It pairs best with the Sapphire Cards, but you can also pair it with the Ink Business Preferred for the travel and advertisement categories.

Best Credit Cards For Hyatt Points Summary

Credit Card Best For Annual Fee
Chase Sapphire Reserve® Premium Travel $550
Chase Sapphire Preferred® Card Flexible Travel Rewards $95
Chase World of Hyatt Credit Card Hyatt Spend & Benefits $95
Chase Ink Business Preferred® Credit Card Business Travel and Expenses $95
Chase World of Hyatt Business Card Hyatt Business Travelers $199
Chase Freedom Flexâ„  High Earnings On Rotating Categories $0
Chase Freedom Unlimited® Miscellaneous Purchases $0
Chase Ink Business Cash® Credit Card Office Supply Stores & Utilities $0

Hyatt Credit Card Points Calculator

Use this Hyatt Points calculator to find out which credit cards will earn you the most points based on the spend amounts you enter.

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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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

You can click on the estimated earnings to see the calculations or click on the card to learn more and apply for the card through our partners.

Do note that all spend amounts entered into the tool above will carry over to every credit card rewards calculator on the site, so there's no need to re-enter spend if you choose to dive deeper into calculating rewards for credit cards on the site.

**Amount of rewards when transferred to program.

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