World of Hyatt Credit Card Review, King of Hotel Credit Cards

MtM Review Score


Sign Up Bonus
Card Perks
Earning Structure
Long Term Keeper

Quick Take

The World of Hyatt credit card is a card worth getting, keeping long term, and using on a regular basis. The rare trifecta!
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World of Hyatt Credit Card Review
View from the Hyatt Regency Bangkok

World of Hyatt Credit Card Review

Chase has been the provider of the Hyatt credit card for some time now. in 2018 they released the refreshed World of Hyatt credit card with new perks and features not seen before.  In this World of Hyatt credit card review we will take a look at the World of Hyatt credit card bonus, earning structure, whether or not the card is a long term keeper, and our overall grade for the card.

Updated 8/25/21

This Offer May Have Ended Or Changed Since Publishing

Welcome Offer

The new World of Hyatt credit card has a $95 annual fee and comes with the following sign up bonus:

  • 30,000 Hyatt points after $3,000 in spend
  • Earn up to 30,000 additional points.  Get 2X per dollar on all purchases that used to earn 1X per dollar on your first $15,000 in spend within the first 6 months.

Additionally, new cardmembers who apply by September 30, 2021 will receive double elite night credits for stays between August 16 and December 31, 2021. This means earning 2 night credits for each night you stay at a Hyatt for the rest of 2021.

Know More: The previous high bonus for this card gave 60,000 points total after $6K in spend in the first 6 months. 

Welcome Offer Value – $925

While some other sites will tell you a higher value, based on our experience redeeming World of Hyatt points, we peg their value at 1.7 cents per point. That means you’ll get $925 in value from the points after subtracting the annual fee.  (60,000 points x 1.7 cents = $1020, then subtract $95) This doesn’t account for the large amount of spend required for the card with the current offer. The old 50,000 point offer after spending $6,000 was actually better overall.

This card also comes with a ton of perks, including free nights (see below), so your overall value should be even higher than that.


Need to Know – Bonus Restrictions

Just like all other Chase cards, the World of Hyatt credit card does fall under the dreaded Chase 5/24 rule.  This means you most likely will not be approved if you have opened up 5 or more revolving accounts at any bank over the past 24 months.

Additionally, the Chase World of Hyatt credit card also has Chase’s standard 24 month bonus restriction language:

“The product is not available to either current Cardmembers of any Hyatt Credit Card, or previous Cardmembers of any Hyatt Credit Card who received a new Cardmember bonus within the last 24 months.”

Chase World of Hyatt Credit Card Review – Earning Structure

The World of Hyatt credit card earns World of Hyatt points and features bonus categories as well. Here is how you will earn World of Hyatt points with this card:

  • 4X points per dollar at Hyatt properties
  • 2X points per dollar at restaurants, fitness clubs/gym memberships, airfare booked directly with the airline, and local transit including rideshare (Uber, Lyft, etc.)
  • 1X point per dollar on everything else


World of Hyatt Credit Card Review
Grand Hyatt Baha Mar!

Chase World of Hyatt Cardmember Perks

The World of Hyatt credit card really shines when it comes to cardmember perks! This is the reason why many members of the MtM team carry this card.

Free Nights

The World of Hyatt credit card gives you the ability to earn free nights.

  • Receive a “free night” at any category 1–4 Hyatt every year after your cardmember anniversary.
  • A second category 1-4 “free night” when you spend $15,000 on the card in your cardmember year.
Elite Qualifying Nights

If you are a World of Hyatt elite members, this card helps to fast track you towards status by providing elite qualifying nights.

  • You receive 5 World of Hyatt tier qualifying night credits each year.
  • Earn 2 World of Hyatt tier qualifying night credits after every $5,000 in spend on the card. There doesn’t seem to be a cap either.
  • Also, new cardmembers who apply by September 30, 2021 will receive double elite night credits for stays between August 16 and December 31, 2021. This means earning 2 night credits for each night you stay at a Hyatt for the rest of 2021
Other Card Perks
  • Complimentary Discoverist Status
  • No foreign transaction fees
  • Purchase Protection – Covers your new purchases for 120 days against damage or theft up to $500 per claim, up to $50,000 per account.
  • Lost Luggage Reimbursement – Up to $3,000 in coverage if the airline loses you or your immediate family member’s luggage.
  • Trip Cancellation/Trip Interruption Insurance – If your trip is cut short or canceled by severe weather, sickness, or other covered situations, you can be reimbursed up to $5,000 per trip for your pre-paid, non-refundable travel expenses.
  • Baggage Delay Insurance – Essential purchases like toiletries and clothing for baggage delays over 6 hours are covered, up to $100 a day for 5 days.

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World of Hyatt Credit Card Review

Should You Keep the World of Hyatt Credit Card Long Term?

The World of Hyatt credit card has a ton of features that make it attractive to keep long term. You get a free night every year, and if you spend $15K you’ll get a second one. The ability to fast track towards elite status through spend plus the other perks also add to the card’s overall long term value. Shawn and other members of our team have and keep this card due to the ongoing value it provides.

The double credits, which makes earning status faster and easier in 2021, is also very attractive. With reduced elite status requirements, anyone looking to earn elite status with Hyatt should seriously consider this card if eligible. Requirements cut in half + earning 2 nights at a time = earning status at 4x the normal rate.


The Chase World of Hyatt credit card is an incredibly valuable product with an attractive sign-up bonus in addition to useful long term perks.

Here are some key things we think you should take away from this review.

  • The welcome offer is worth about $925 after factoring in the annual fee
  • You get a free category 1-4 night each year you hold the card
  • If you spend $15K in a year (soon to be calendar year) you’ll get a second free night
  • The card provides 5 elite qualifying nights plus ways to earn more qualifying nights through spend
  • Many other smaller perks add to the overall value of the Chase World of Hyatt credit card

Chase World of Hyatt Credit Card Review – Bottom Line

Chase really knocked it out of the park with their World of Hyatt credit card.  It is a card that offers value even if you just throw it in the drawer and don’t use it all that often. But, it really becomes valuable when you put the card to work. The free night at $15,000 in spend and elite stay credits for every $5,000 in spend earn this card a place in your wallet instead of your sock drawer.

In our opinion it is now the best everyday hotel credit card on the market. From now until the end of the year, that’s even more true than ever.


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  1. For a points pro you missed the cards biggest perk. It’s not the annual free night. That’s lame. A cat1-4 cert just eats up the annual fee which otherwise isn’t worth it. The reason o keep the card and the ONLY reason I keep the card is for the Amazon promos Hyatt rubs throughout the year and how they add value for Hyatt card members. Sometimes we get 3x points instead of 2x. The card is useless otherwise. The sapphire preferred earns more for Dining-and travel and those points can be converted to Hyatt. Only spend to put on this card is Hyatt hotel stays.

    The king of hotel cards ???? Nope that belongs to the Aspire.

    • I don’t think many people would put that as the best perk of the card since it is limited time offer type of thing. I think the promos for 20% back in points or reduced award bookings are more lucrative too. One of the best perks, in my opinion, is the possibility to earn elite night credits. And the category 1-4 free night can be earned via spend plus you get one for paying the annual fee. The Aspire card is great but it is a perks card, no one uses it for spend.

  2. I’m confused, this seems like a terrible offer. I’m not sure how you can be so cavalier in discounting the very substantial amount of spend required to get the 60,000? Maybe for people who do a lot of MS in their regular lives, just maybe. I’ll definitely wait and hope for something better, eventually. I generally value your opinions, but I don’t see this offer at all the same way as you.

    • Kate we state in the review that the old 50K offer is superior and that the spend is a tall order. We also downgraded the rating on the welcome offer when updating everything. But it is still a very valuable offer if you are able to meet the spend and can’t wait for the new offer to come around.

      Some people may have some big expenses coming up or think spending $2,500 a month for 6 months isn’t a big deal. Many people will want to spend the $15K for the free night anyway and not think much of it. Plus if you spend it in the first 6 months you can earn two free nights in the first 12 months since the earning structure for the free nights changed to calendar year now.

      Not everyone is going to be in the same situation for sure though.

  3. I laugh at the upgrade offers I get to move to the new card, I think the last one was 5k points with a spend requirement. So far not worth it to upgrade, I may cancel and apply outright for the new card.

  4. If you’ve had the current Hyatt credit card for well over 24 months and are also under the 5/24 rule, can you cancel your current card and then apply for the new one a few days later instead of going with the puny upgrade offer?

    • Yes that should work if you are past 24 months. There is always a risk you don’t get approved for the new card but it should work fine in theory.


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