About Hyatt Credit Card

By J.R. Duren
HighYa Staff

The Chase Hyatt Card is a hotel rewards credit card that gives new customers an initial bonus of two free stays in a Hyatt hotel as well a complimentary upgrade to Platinum status in the Hyatt Gold Passport loyalty program.

The card offers three ways to earn bonus points that you can convert into free nights through the Gold Passport program.

But figuring out if this card is right for you is a matter of several other factors.

What are the Hyatt Card’s short- and long-term benefits? What are the Hyatt cards penalties and fees? What are other people saying about the Hyatt Card, and how does it stack up against other hotel rewards cards?

We’re going to give you the answer to each of these questions, providing you information from the Hyatt Card and Gold Passport program’s websites, our research and the opinions of hotel rewards card experts.

What are the Hyatt Card’s Term Benefits?

Most hotel rewards cards give you two sets of benefits: short-term and long-term.

Short-Term Hyatt Card Benefits

There are two main up-front bonuses on this card:

  • Two free nights when you spend $2,000 on the card in the first three months.
  • 5,000 bonus points when you add an authorized user.

Anytime you see an offer like this, it’s important to look beyond the nights and points and read the fine print.

For example, your two free nights are good at all Hyatt and M Life properties, but when you’re booking a Zilara or Ziva room (all-inclusive), the free nights only count toward single- or double-occupancy rooms.

Also, it will take up to 10 days for your free nights to show up in your Hyatt Gold Passport account.

And what about the 5,000 bonus points? That’s enough to get you a stay in a Category 1 hotel in 34 states as well as 11 foreign countries.

See Also: 7 Credit Card Hacks You Can Use to Raise Your Credit Scores & Reap Rewards

Long-Term Hyatt Card Benefits

A credit card is a lot like adopting a free puppy from Craigslist – once the initial excitement wears down, that little sucker could be the best or worst decision you’ve made in a very long time.

When it comes to hotel rewards credit cards, the long-term benefits can be divided up into three categories: earning and using points, free nights and loyalty program membership.

Earning & Using Points

Every time you use your Hyatt Card to make a purchase, you earn points: 3 points-per-dollar at Hyatt properties, 2 points-per-dollar at restaurants, car rental agencies and airline websites and 1 point-per-dollar on everything else.

The double points on airline websites only kick in when you book from the carrier’s site – purchases on third-party sites like Expedia, Orbitz and Priceline don’t count.

Free Nights

Every year on your cardmember anniversary you get one free night at a Category 1-4 Hyatt hotels even though Hyatt has seven different categories of hotels.

These categories reflect the location and luxury-level of Hyatt hotels. A Hyatt Place in Jacksonville, Fla., for example, will be a lower category than a Hyatt Place in downtown New York City.

While you might be disappointed to see that you can’t cash in your free nights for Category 5-7 hotels, know that there are hundreds of Hyatt hotels around the world in Categories 1-4. You have plenty of options.

Loyalty Program Membership

Hyatt Card members get automatic Platinum status in the Gold Passport loyalty program.

Now, just in case you aren’t familiar with hotel rewards programs, here’s a quick explanation. Gold Passport is Hyatt’s loyalty program.

When you sign up for the Hyatt Card, you’ll also sign up for Gold Passport and any points you rack up on your card will automatically be transferred to your GP account every month.

Most hotel rewards programs also have membership tiers that reward people who stay at their hotels or who have a hotel-linked credit card.

The main benefits of Platinum status are:

  • 72-hour guaranteed room availability
  • Free premium Wi-Fi
  • 15% bonus when booking rooms with your points
  • Expedited check-in
  • 2 p.m. check-out
  • Complimentary upgrades to rooms on higher floors and with better views

Now, before you get too comfortable about Platinum status, we’ve got some news: On March 1, 2017, Hyatt will implement a new loyalty program with a new name and new tiers.

According to an email we received from Hyatt, they’re scrapping “Gold Passport” and calling the new program “World of Hyatt.”

They’re also axing their current membership names and using Member, Discoverist, Explorist and Globalist.

Hyatt Card customers’ Platinum status will become Discoverist status in World of Hyatt, which, according to Hyatt’s information, is essentially the same as Platinum.

The Hyatt website says that Discoverists get a 10% points bonus when booking rooms with points, but Hyatt Card owners get an extra 5% bonus, bringing the total to 15%.

Based on what we’ve read from travel experts, the biggest changes in the program will affect Diamond members.

If you want to learn more about why this is the case, check out this article from The Points Guy, a popular travel and hotel rewards website.

Fees and Penalties for Chase’s Hyatt Credit Card

Every credit card you check out has its set of fees and penalties you’ll pay, as well as something called an annual percentage rate, or APR. The APR is a percentage the credit card charges you when you don’t pay your balance off in full every month.

The Hyatt Card’s APR is between 16.24% and 23.24%, which means anytime you have a balance, it’s multiplied by your APR (the better the credit scores, the lower the APR) and divided by 12 to calculate how much interest you’ll pay every month.

They calculate this number monthly, so, as your balances get lower, you’ll pay less interest.

Here’s a quick overview of the fees and penalties on this card:

  • $75 annual fee (what you pay each year to own the card)
  • 16.24–23.24% APR on purchases and balance transfers
  • 5% or $5 one-time fee on balance transfers, whichever is greater
  • Up to $37 fee when you make a late payment
  • No foreign transaction fee (you won’t be charged by Chase when you use your card in a foreign country)

The Hyatt Card Reviews

Reviews about the Hyatt Card are, in general, very positive. Faithful fans of Hyatt hotels love the card.

We took a look at consumer reviews on personal finance site WalletHub and found that 218 reviewers gave the card an average of 3.9 stars.

Several of the most recent reviews pointed out the Hyatt Card is great for people who travel a lot, and we tend to agree.

If you purchase your airline tickets through an airline’s website and you spend a decent amount of money at Hyatt properties, you can rack up all kinds of points on this card.

As for the experts, the reviews are equally as good. MilesCard.com gives the Hyatt Card 4.4 stars, Value Penguin gives it 85 out of 100 and UpgradedPoints.com gave it 3.5 stars.

Our Conclusions: How Does the Hyatt Card Stack Up to the Competition?

We think by now you’ve got a pretty good feel for the Hyatt Card, whose biggest benefits are related to the Hyatt Gold Passport (soon to be World of Hyatt) loyalty program.

If you like staying at Hyatt hotels, then there’s no better card out there than this one.

The Chase Sapphire Preferred lets transfer your points to the Gold Passport program, but its annual fee is $20 higher, and you don’t get the free night on your cardmember anniversary.

See Also: The Best Airline Rewards Card of 2017

Now, when you compare the Chase Hyatt Card to other hotel cards, things get a little more interesting. Chase’s Marriott Rewards Premier card gives you enough intro points (80K) to get up to 12 free nights in a Marriott hotel as well as upgraded status in the Marriott Rewards loyalty program.

However, one of the things that we like about the Hyatt Card is that you don’t need that many points to book a room. Their lowest category requires 5,000 points, with the next two tiers requiring 8,000 and 12,000 points.

If you’re a family of three, you can expect to spend at least 25,000 points a year on your card, which, when combined with your anniversary night, could get you six free nights.

Having a hard time deciding whether or not the Hyatt Card is a good fit for you?

Our general rule of advice is to choose the hotel card that best suits your preferences. If you’re a Hyatt fan, then the Hyatt Card makes sense for you.

If you like Marriott properties, then the Marriott card is a good fit. Starwood fans rave about the Starwood Preferred Guest Card from American Express, too.

Now, if you came to this page because you got an email about the Hyatt Card or maybe a letter from Hyatt through traditional mail, it might do you some good to take a few minutes to think about what you want out of your credit card.

Read our guide to the four main types of credit cards on the market today: travel, low APR, luxury and cash back. The guide will help you understand what each type of card offers and which benefits and perks are the best fit for your situation.

Read Next: The Best Hotel Rewards Credit Card of 2017

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