Much as the Marriott Bonvoy Boundless should be in any semi-frequent Marriott guest's wallet, the World of Hyatt Credit Card is a no-brainer addition to any Hyatt fan's credit card portfolio.

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The Basics

The World of Hyatt credit card carries a $95 annual fee, which is pretty standard for mid-range hotel rewards cards these days.

New cardmembers will get 25,000 World of Hyatt points after spending $3,000 on purchases in the first three months after opening the card, and another 25,000 points for spending $6,000 total in the first six months. This two-tier welcome bonus structure is fairly unique, but it's still worth maxing out, as you'll be earning more than 8 points per dollar in aggregate from the bonuses alone.

The World of Hyatt Credit Card will also reward you with 4 points per dollar spent on all Hyatt hotel purchases (in addition to the 5 points per dollar you get just for being a World of Hyatt member), plus 2 points per dollar on an impressive variety of other purchases:

  • Restaurants
  • Airlines tickets purchased directly from the airlines
  • Local transit and commuting
  • Fitness club and gym memberships

And of course, you'll still get 1 point per dollar on any purchase that's not considered part of a bonus category.

The Points

A 50,000 point (aggregate) welcome bonus and 4 points per dollar on hotel purchases don't seem, at first, to be as enticing as the Marriott Bonvoy Boundless Credit Card's 75,000 point bonus (after spending $3,000 on purchases in the first three months) and 6x bonus points on eligible Marriott purchases. But to understand the appeal of the World of Hyatt Credit Card, you first need to understand that not all hotel currencies are created equally. While The Points Guy values Marriott Bonvoy points at just .8 cents each, it claims World of Hyatt points are worth more than double that, at 1.7 cents each.

That's because, on the whole, award nights at Hyatt properties cost considerably less points than equivalent Marriott properties. In fact, top-of-the-line Category 7 Hyatt-branded properties cost only 30,000 points per night (though they could vary by 5,000 points in either direction starting next March, when dynamic pricing goes into effect). Even ultra-luxurious Small Luxury Hotels of the World properties, which Hyatt partners with, top out at 45,000 points during peak periods. Marriott properties, by contrast, go up to 85,000 points during regular pricing periods, and 100,000 points at peak.

Even double occupancy rooms at certain Hyatt Ziva all-inclusive resorts start at just 20,000 points, including all of your food, alcoholic beverages, and activities. You'd be hard-pressed to find a better deal anywhere.

But on the flipside, Marriott has over 7,000 properties in its worldwide portfolio, while Hyatt has less than 1,200, so it's not an apples-to-apples comparison if you frequently stay in smaller cities where there are no Hyatts available.

The Perks

In exchange for your $95 annual fee, all cardmembers receive a package of Hyatt perks that promise to enhance any stay, and help you earn more free nights.

  • Automatic Hyatt Discoverist status, which grants a 10% points earning bonus, two free water bottles every night of your stay, late checkout, and more benefits.
  • Five elite-qualifying nights towards higher status tiers every year you have the card, plus two additional nights for every $5,000 you spend on the card per year.
  • Receive one free night at any Category 1-4 Hyatt property every year on your Cardmember anniversary.
  • Receive an additional free Category 1-4 award certificate after spending $15,000 on the card during a cardmember year.

Category 4 Hyatt properties can often cost upwards of $300 per night, so as long as you're sure you'll use the annual free night award (it expires after a year), you should come out well ahead of the annual fee. Plus, you'll get two free water bottles during that free night with your Discoverist status, if that sways your thinking.

Why Apply?

Much like the Marriott Bonvoy Boundless, the World of Hyatt Credit Card doesn't require you to be a singularly focused Hyatt loyalist to be worth adding to your wallet. It'll certainly reward you for your loyalty with extra elite night credits for every $5,000 you spend, and a second annual free night award after spending $15,000, but even if you never use the card for your everyday spend, the annual free night alone is worth more than the $95 annual fee.

Add in the 50,000 point welcome offer, which could get you a night at any of Hyatt's most luxurious properties, or lots of nights at lower end Hyatt Places, and it's hard to make a case against the card for anyone that travels.


Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.