About The World of Hyatt Credit Card

By J.R. Duren
HighYa Staff Published on: Oct 11, 2018

The World of Hyatt Visa is a hotel rewards credit card launched in June 2018 that offers a 60,000-point sign-up bonus and an impressive set of perks and points opportunities that make it one of the strongest hotel cards on the market.

The World of Hyatt card emerged as a replacement for the Hyatt Visa, the card that Hyatt used for its Gold Passport loyalty program that, in 2017, became the World of Hyatt program.

After the launch of the card, Chase offered Hyatt Visa cardholders 2,000 World of Hyatt points to upgrade to the new card.

Over the course of this review, we’ll talk about the card’s rewards and perks, as well as how it compares to other hotel rewards credit cards.

At the end of our review, we’ll give you the overall strengths and weaknesses of the card, as well as our research-based conclusions about who we think this card is good for.

The World of Hyatt Visa’s Rewards

Finding a good hotel rewards credit card is, in part, all about getting the most possible points you can earn from your spending.

Sign-Up Bonus

The easiest way to get the most points at one time from this card is to spend $3,000 in the first three months of owning this card, you can earn 40,000 World of Hyatt points. Spend $6,000 in the first six months and you’ll earn an additional 20,000 points to put your total sign up bonus at 60,000 points.

As far as hotel rewards card go, 60,000 points is middle of the road. For example, the Marriott Rewards Premier card offers 100,000 points and the IHG Rewards Club Premier offers 80,000.

The key to understanding the value of these points is to understand how many points it costs to get a free night at the hotel in question.

Even this can be a tricky proposition because each hotel rewards program splits up their hotels into categories. The higher categories cost more points than the lower categories; Category 1 hotels are the cheapest.

To judge the value of points, we like to calculate how many Category 1 hotel nights you can get. Hyatt’s cheapest hotel rooms are 5,000 points. Marriott’s are 7,500 and IHG’s are 10,000.

Here’s a quick list of how many rooms you can get with each card’s bonus:

  • Hyatt: 12 nights
  • Marriott: 13 nights
  • IHG: 6 nights

The advantage you have with the Marriott program is that, if you book five nights with your points, you get the fifth night free. IHG does the same promotion for four-night bookings – use points for four nights and the fourth night is free.

In terms of value, we think that Hyatt’s sign-up bonus is one of the best, especially if you enjoy staying at Hyatt Place hotels, which make up the majority of Category 1 hotels in the United States.

Points on Purchases

The second way to earn points with this card is to use it to pay for your everyday expenses. For most purchases you make, you’ll earn one point per dollar. However, this card offers some extra bonuses on certain purchases you make:

  • 9 points per dollar on Hyatt purchases (hotels and restaurants included)
  • 2 points per dollar on transit, dining out, airline tickets
  • 2 points per dollar gym/fitness club memberships

There are a few things you should remember about these bonuses. First, “transit,” according to Chase, covers taxis, mass transit, ridesharing, tools and more.

Our research of various sources indicates that the average household could spend around $4,000 on airline tickets and eating out. Data website Statistic Brain says the average gym membership is about $700 a year. Based on those numbers, you could earn 9,400 World of Hyatt points per year on bonuses.

We estimate that the average family can earn another 20,000 points per year with the 1x bonus on all other purchases, putting your yearly total around 30,000 points.

If you’re staying in a Category 1 hotel with those points, then you can get six free nights.

Now, there’s one other benefit you need to know about: anniversary nights.

Free Anniversary Nights

On your cardmember anniversary, you’ll get a free night that you can use at any Category 1-4 Hyatt hotel.

However, if you can spend $15,000 during the course of your cardmember year, you’ll earn another free anniversary night at a Category 1-4 hotel.

So, if you can spend at least $15,000 a year with this card, there’s a good chance you can get eight free nights a year between your per-dollar rewards and your anniversary nights.

The card’s fine print notes that you have to use these free anniversary nights before the next anniversary and that you can only use them for a room and not hotel packages that include a room.

Complimentary Discoverist Status in World of Hyatt

The World of Hyatt has four different tiers in it: Member, Discoverist, Explorist, Globalist.

While Discoverist is just one tier above basic membership, it provides a good deal of benefits that would normally take 10 nights to achieve. So, the fact that you get this tier for free as a World of Hyatt Visa cardholder is a pretty significant perk considering it would take at least $1,000 of hotel stays to earn it if you didn’t have the credit card.

Here are some of the perks that you get with this tier:

  • Room upgrades when available
  • Complimentary premium internet
  • 10% of points are returned to your account after booking
  • Complimentary bottle of water during stay
  • 2 p.m. checkout
  • Dedicated check-in desk

As a Discoverist member and a Hyatt Visa cardholder, I can tell you from experience that one free anniversary night and the chance to get complimentary upgrades, late checkout and a bottle of water at check-in are great perks that make my $75-per-year Hyatt Visa worth the annual fee.

And, based on that experience, I’d say that the chance for you to get two anniversary nights each year with this card, as well as Discoverist status, are well worth the annual fee (more on that later).

The World of Hyatt Visa’s Rates and Fees

The card’s APR is 17.74% to 24.74%. Remember that you’ll need good credit scores (above 700) in order to have a chance at the lowest APR.

The card’s cash advance APR is 26.74% and has a cash advance and balance transfer fee of 5%. Late or returned payment fees are up to $37.

Lastly, the card’s annual fee is $95, which puts this card on par, fee-wise, with the Marriot Rewards Premier card.

In our opinion, this card’s rates and fees are about average for hotel rewards credit cards.

How the World of Hyatt Visa Compares to Other Hotel Credit Cards

Throughout this review, we’ve made references to other hotel rewards credit cards. In our opinion, it’s a solid all-around card.

While it doesn’t quite match the number of free nights you can get with the Marriott’s bonus, we think that, over time, it has solid value because of the fact that you get two free anniversary nights a year, something the Marriott and IHG card do not offer.

As far as tier upgrades go, the World of Hyatt card has the advantage over the Marriott Rewards Premier because it provides complimentary upgrades, but it trails the Hilton Honors Ascend because the Ascend card provides the same upgrade benefits that the World of Hyatt card but it gives a 25% points bonus rather than a 10% bonus.

Our Bottom Line: Is The World of Hyatt Visa the Best Hotel Credit Card for You?

Based on our research, we believe this card’s strength is that it gives you two free anniversary nights. We believe the second anniversary night is automatic for a family and is most likely attainable if you’re single. If you can spend $1,500 a month, then the second free night is yours.

We also like how the card gives you a combination of Discoverist status and double points on transit, eating out, certain airline purchases and gym memberships.

The downside to the card is that your anniversary rewards nights are limited to Category 1-4 hotels. While there are some nice properties included in those four categories, the restriction leaves out middle- to upper-level hotels in the heart of big cities like New York. It also rules out the best Hyatt properties.

In general, we believe the World of Hyatt card may be the best hotel rewards card because it combines a 10% points bonuses, a tier upgrade that includes a complimentary upgrade when available and it provides two free rewards nights if you can spend $15,000 a year.

If you want to learn more about how this card stacks up against the competition, take a few minutes to read through our guide to the best hotel rewards cards. You’ll be able to get a good sense of what some of the leading hotel credit cards offer, including the Hyatt Visa.

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