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World of Hyatt Credit Card: review

If you’re a Hyatt fan and you’re looking for a fast path to free nights and elite status, this card is a perfect fit.

The World of Hyatt Credit Card it’s a top choice among hotel cards, offering a compelling suite of first-rate benefits: a big sign-up bonus, generous ongoing rewards, high-value points, automatic elite status, a free night certificate every anniversary year and a way to notch an additional free night with enough spending. The free night benefit alone could make up for the annual fee of $95.

Pros & Cons


  • Annual free night certificate on cardmember anniversary
  • Complimentary World of Hyatt Discoverist status
  • High points redemption values
  • Generous welcome bonus


  • Limited number of properties
  • No worthwhile redemption options aside from Hyatt properties
  • High regular APR
  • No intro APR offer

Rates, fees & offers

  • Annual fee: $95
  • Rewards rate: 1x – 9x
  • Bonus offer: earn up to 60,000 points
  • Intro APR: N/A
  • Ongoing APR
    APR: 15.99% – 22.99% Variable APR

Penalty APR: 29.99%
Cash Advance APR: 24.99%, Variable

  • Balance transfer fee: Either $5 or 5% of the amount of each transfer, whichever is greater
  • Foreign transaction fee: None


Welcome bonus

You earn 30,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Plus, up to 30,000 more bonus points by earning 2 bonus points total per dollar spent in the first 6 months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent

Unlock Bonus Points Faster

  • 9x total points: Earn 4 Bonus Points per $1 spent at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5 Points from Hyatt per eligible $1 spent for being a World of Hyatt member.
  • 2x points for dining out: Earn 2 Bonus Points per $1 spent at restaurants
  • 2x points for flights: Earn 2 Bonus Points per $1 spent on airline tickets purchased directly from the airline.
  • 2x points for gym memberships: Earn 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 2x points for getting around: Earn 2 Bonus Points per $1 spent on local transit and commuting, including taxis, mass transit, tolls and ride-share services.
  • 2x points for everything else: Earn 2 Bonus Points total per $1 spent on purchases that earn 1 Bonus Point, up to $15,000 spent in the first 6 months of account opening. After that, 1 Bonus Point per $1 spent on all other purchases.

Enjoy more benefits

  • 10% Bonus Points when choosing to earn points on eligible spend at Hyatt
  • Premium in-room internet
  • 2pm late check-out upon request where available
  • 1 free night every year: Receive one free night at any Category 1-4 Hyatt hotel or resort every year after your cardmember anniversary
  • 1 additional free night: Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year

How to request this card

Applying for a credit card is very simple and you can do it through the app or website. But you need:

  • Social Security Number
  • Gross income
  • Employer name (if applicable)
  • Rent/mortgage amount

Did you like this card? Click on the button below and get yours right now.