About The Hyatt Credit Card

By J.R. Duren
HighYa Staff Updated on: Aug 23, 2017

The Chase Hyatt Card is a hotel rewards credit card that gives new customers an initial bonus of 40,000 World of Hyatt points as well as a complimentary upgrade to Discoverist status in the World of Hyatt loyalty program.

The card offers three ways to earn bonus points that you can convert into free nights through the World of Hyatt 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 World of Hyatt program’s websites, our research and the opinions of hotel rewards card experts.

What Are the Hyatt Card’s Short-Term 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 40,000 points won’t magically show up in your World of Hyatt account. It will take anywhere from six to eight weeks for your points to show up in your World of Hyatt 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.

See Also: The Best Airline Rewards Card of 2017

Free Nights

Every year on your cardmember anniversary you get one free night at a Category 1-4 Hyatt hotel 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 Discoverist status in the World of Hyatt hotel loyalty program.

When you sign up for the Hyatt Card, you’ll also sign up for World of Hyatt and any points you rack up on your card will automatically be transferred to your WoH 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

In our personal experience with World of Hyatt Discoverist status, we’ve received multiple complimentary upgrades as well as welcoming gifts celebrating special days like anniversaries.

Rates and Fees of The 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)
  • 16.99–23.99% 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 Credit Card Reviews

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

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 pretty solid but there’s an overriding sense that the Hyatt Card isn’t quite as good for hotel stays as the Starwood Preferred Guest Card.

Our Conclusions: How Does The Hyatt Credit 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 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 you transfer your points to the World of Hyatt program, but its annual fee is $20 higher, and you don’t get the free night on your cardmember anniversary.

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 Rewards Premier 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.

Finally, if you aren’t quite sure which card you want to get and need to read through some guides the talk about the best credit cards in all the main categories – travel, hotels, cash back, low-APR – head to our Best Credit Cards of 2017 page.

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