The World of Hyatt Credit score Card (see charges and costs) has many followers and comes with a modest $95 annual payment, however does that imply it is price it?
That is the one private cobranded bank card providing from World of Hyatt, so in case you’re loyal to the award-friendly lodge chain, you might wish to contemplate it.
Here is a take a look at what you get from the World of Hyatt card every year so you can also make up your thoughts.
Welcome provide
New candidates for the World of Hyatt card can earn:
- Two free nights at any Class 1-4 Hyatt lodge after spending $4,000 on purchases within the first three months from account opening
- 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening
This provide ends Aug. 28.
The free nights and factors included on this bonus are price as much as $1,037 per TPG’s July 2025 valuations. Observe that that is solely the case in case you attain each spending necessities and maximize the 2 free nights for 18,000 factors every at a Class 4 property.
The obvious strategy to redeem Hyatt factors is for lodge stays with World of Hyatt. This consists of not simply lodges with “Hyatt” within the title, however different Hyatt manufacturers like Small Luxurious Resorts of the World as nicely. Lodge redemptions can embrace free night time awards and Factors + Money funds.
You may also redeem factors for eating, spa or assembly credit, Discover Experiences, rental automobiles and room upgrades.
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World of Hyatt makes use of a peak and off-peak award chart, that means you may pay extra factors for lodge stays across the holidays and through busy journey seasons. Conversely, in case you can journey at quieter instances, you may redeem fewer factors.
Off-peak pricing at Class 1 properties begins at simply 3,500 factors per night time. Hyatt properties have eight completely different classes, with peak pricing at Class 8 properties topping out at 45,000 factors per night time.
You may also high up your World of Hyatt account with 1:1 transfers from Chase Final Rewards. These factors ought to switch immediately.
Associated: Finest Hyatt Class 4 lodges, in line with Globalists
Annual free night time award
Every year in your cardholder anniversary, you may obtain a free night time award. It may be used at Class 1-4 lodges worldwide for one free night time. It is also price declaring that you just will not pay resort charges on award stays with Hyatt.
This profit alone can justify the Hyatt card’s $95 annual payment since you may redeem your free night time for $200 or extra in worth with minimal effort.
Associated: One of the best Hyatt lodges on the earth
Earn a second free night time award
Along with the complimentary free night time award acquired every year, you may earn a second free night time award (legitimate at Class 1-4 properties) by spending $15,000 on purchases in a calendar 12 months in your card.
Associated: Why I goal to spend $15K on my World of Hyatt Credit score Card every year
Elite standing and associated advantages
As a cardholder, you may obtain complimentary Discoverist standing every year. That is the entry-level standing tier in World of Hyatt, however it gives strong worth and perks.
It gives complimentary bottled water throughout your keep, late checkout (when obtainable) and most popular room upgrades inside the identical room class (when obtainable).
Moreover, you may additionally earn 10% bonus factors on money stays (5.5 as an alternative of 5 factors per greenback spent).
Incomes Discoverist standing sometimes requires staying at Hyatt properties for no less than 10 nights per 12 months. Hyatt loyalists can probably attain Discoverist standing on their very own every year, however those that journey occasionally or usually are not loyal to 1 model will not be in a position to take action. That may make this card’s complimentary Discoverist standing very interesting.
With the private World of Hyatt card, you may earn two tier-qualifying night time credit towards standing for every $5,000 spent on the cardboard. Thus, spending the $15,000 on purchases to unlock the free night time award (detailed above) would additionally yield a further six tier-qualifying nights. There is no such thing as a restrict to the variety of tier-qualifying nights earned by means of bank card spending.
Associated: World of Hyatt card vs. World of Hyatt Enterprise card
Different cardmember perks
Along with the above, you may take pleasure in a number of journey protections, together with:
You will earn World of Hyatt factors on every buy along with your card. At Hyatt lodges, you may earn 4 factors per greenback, and that is on high of the factors you may earn by being part of Hyatt’s loyalty program.
You will earn 2 factors per greenback spent at eating places and on commuting, health membership and health club memberships, flights bought instantly from airways and transit; and 1 level per greenback spent on different purchases.
These charges symbolize a 6.8%, 3.4% and 1.7% return on spending, respectively, primarily based on TPG’s July 2025 valuations.
You are able to do significantly better than a 1.7% return on on a regular basis spending with different bank cards, however it’s price contemplating how these purchases will be extra beneficial when serving to you earn a bonus Class 1-4 free night time award and tier-qualifying nights towards standing every year.
Associated: Which bank card do you have to use for Hyatt stays?
Backside line
The complimentary free night time you obtain every year as a World of Hyatt cardholder ought to simply offset the $95 annual payment. Different advantages — such because the points-earning construction and complimentary elite standing — range in worth relying on how you utilize them.
When you can maximize these advantages, the annual payment is definitely price it every year. If not, one other card — maybe one that provides easy money again — could also be higher suited to your pockets.
To be taught extra, see our full evaluate of the World of Hyatt card.
Apply right here: World of Hyatt Credit score Card
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