Best Credit Cards For Earning Hyatt Points

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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 2022-02-22

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.

Best For Hyatt Spend & Benefits

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.

Best For Flexible Travel Rewards

The Chase Sapphire Preferred® Card 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).

Best For High Value

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.

Best For Business Categories

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.

Best For High Earnings On Rotating Categories

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.

Best For Miscellaneous Purchases

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.

Best For Office Supply Stores & Utilities

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

Best Credit Cards For Hyatt Points Summary

Credit Card Best For Annual Fee
Chase World of Hyatt Credit Card Hyatt Spend & Benefits $95
Chase Sapphire Preferred® Card Flexible Travel Rewards $95
Chase Sapphire Reserve® High Value $550
Chase Ink Business Preferred® Credit Card Business Categories $95
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

Calculate Hyatt Points

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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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.

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