Reviewed: The Hyatt Credit Card From Chase

Discover why the Hyatt credit card could be one of the best travel credit cards available for travelers who frequently stay at Hyatt hotels and resorts. Find all the details in our Hyatt card review.

The Verdict

If you're a loyal Hyatt guest, the Hyatt credit card definitely deserves a place in your wallet

There's nothing quite as refreshing as a restful stay at your favorite hotel or resort.

The only thing that could make it even more rewarding is earning free nights there, which is precisely what the Hyatt credit card is all about.

Hyatt Guest Data 2010-2017

What Makes It So Special?

You can quickly earn points on Hyatt hotel purchases, plus get an amazing annual bonus

While many hotel rewards card perks are getting slimmer and slimmer, Hyatt seems to be bucking the trend by giving cardholders a generous points deal upon signing up, plus extra points for adding an authorized user.

If you spend $2,000 within the first three months of opening the card, you'll get 40,000 points as a sign-up bonus.

Adding an authorized user to your card gets you an extra 5,000 points—that alone is enough for a free night at a category 1 Hyatt hotel.

Beyond the initial sign-up bonus, you also get 3x points on any Hyatt hotel purchases, as well as double points on restaurants, airfare, and car rentals, making this card a solid choice for frequent travelers.

You'll also get a free night's stay at any category 1–4 Hyatt hotel on the anniversary month of your card membership.

Considering that most Hyatt hotel stays can equal $200 per night or more, it's easy to see how the value of this bonus clearly makes up for the $75 annual fee.

To better understand if this card is right for you, ask yourself the following questions:

  • Do you frequently stay at Hyatt hotels when you travel?
  • Do you have an excellent (750–850) credit score?
  • Do you often use your card at restaurants or on car rentals or airfare?

If you answered yes to at least two of these questions, then the Hyatt card is one you definitely want to take a closer look at.

If you're not a fan of the hotel chain for some reason, it may be worth checking out other travel credit cards like the Hilton Honors Surpass or the Ritz-Carlton credit card to find one that suits your needs.

Why People Love It

Hyatt fans love the annual bonus and how easy it is to earn points

Get a grand total of 8x points per dollar on eligible purchases. In addition to the lucrative sign-up bonus, you can also earn extra points as a World of Hyatt member.

The World of Hyatt is the company's loyalty program and like many similar programs, it comes with various perks depending on your spending tier.

By simply signing up for an account, the program allows you to earn five base points per eligible dollar spent on Hyatt stays (in addition to the 3x points you get by default from the card itself).

Exchange points for miles or combine points with cash. The base points system itself has some notable perks, such as the ability to exchange points for miles with Hyatt's airline partners or combining points plus cash toward paying for your stay.

Get bonus points when you book with partner companies. You can earn 500 bonus points for Avis car rentals or Sapphire status with M Life Rewards, the loyalty program from MGM Resorts.

Earn a free night on the anniversary of your card membership. This perk is in addition to the annual bonus—it gives you a free night's stay at any category 1–4 Hyatt hotel with no blackout dates and no restrictions.

Get automatic Discoverist status when you sign up. Discoverist is one of the tiers available from the World of Hyatt customer loyalty program.

It entitles you to numerous benefits, including five base points on every eligible dollar spent on qualifying stays, dining, and spa experiences.

As a Discoverist, you'll also get 10% bonus points and 500 bonus points when you rent a car with Avis.

You can also opt to earn miles at Hyatt airline partners in lieu of base points.

Participate in status challenges to increase your loyalty rewards. From time to time, Hyatt offers "status challenges" as an exclusive event to its cardholders.

Previously, they allowed Discoverist members to advance to the next status tier, Explorist, by staying a mere 10 nights.

Normally, Explorist status is only available if you stay 30 nights at a Hyatt over a calendar year.

If you watch out for and participate in these offers as they become available, you could climb the World of Hyatt status ladder, and enjoy greater amenities very quickly.

Customer Satisfaction Index Scores for Hyatt Hotels in the U.S. from 2008-2017

What Are the Downfalls?

Complaints center around steep qualification requirements that put the card out of reach for many

While most Hyatt card-holders are impressed by the rewards and the service they get, the biggest complaint among prospective card members is the "Excellent" (750+) credit score needed to qualify for the card.

Even users with a "Good" credit score of 650 have been turned down, making it clear that Hyatt intends to appeal to a very specific crowd with this card.

Furthermore, the card's 17.24% interest rate is slightly steeper than comparable cards, but if you make sure you pay off your balance each month, the rewards can add up very quickly.

The Competition

The Hilton Honors Surpass card might pique your interest with its attractive sign-up bonus

If you're not tied to a particular hotel chain and want to get even more points along with a slightly lower interest rate, the Hilton Honors Surpass card may be a good alternative.

The Hilton card stands out for its 75,000-point sign-up bonus, which you get as long as you spend $3,000 in the first three months.

How it compares to its top competitor

Hyatt Credit Card Hilton Honors Surpass
How high of a credit score do you need?

Excellent

Good-Excellent

Average APR?

17.49%–24.49% variable

16.24%-20.24% variable

Annual fee?

$75

$75

How big of a sign-up bonus do you get?

40,000 plus 5,000 extra points when you add an authorized user

You also get a free night every year after your cardmember anniversary at any category 1-4 Hyatt hotel or resort.

Automatic Gold Status plus 75,000 Hilton HHonors bonus points

How much do you need to spend to get the bonus?

You'll need to spend $2,000 within the first three months of your card membership to get the 40,000 bonus points.

You'll get the 5,000 bonus points when you add an authorized user and make a purchase within the first three months.

At least $3,000 within the first three months of your card membership. You can earn Diamond status if you spend $40,000 on the card in a year.

How many points do you get for every dollar?

3 points per dollar on purchases at Hyatt properties, in addition to the 5 base points per dollar that you earn as a World of Hyatt member

2 points per dollar when spent on eligible restaurant, airfare, and car rental purchases

1 point per dollar on all other purchases

12 points per dollar on eligible purchases charged to your card at a participating resort within the Hilton portfolio

6 points per dollar when spent on eligible groceries, restaurants, and gas station purchases

3 points per dollar on all other eligible purchases

Any restrictions?

N/A

Beyond the Hilton properties, points can only be earned on eligible restaurants, supermarkets and gas stations within the U.S.

If you spent $100 on the card, then how much would the points be worth in dollars?

About $1.50

About $5

How much would you need to spend on the card to make up for the fees (excluding APR/rates?

If you spend $100 at a Hyatt property using your Hyatt credit card and assuming you're a World of Hyatt member, you'd get a total of 800 points (3 points per dollar on a Hyatt purchase plus 5 base points per dollar for being a World of Hyatt member).

A category 1 room at Hyatt is 5,000 points. Most category 1 rooms cost between $150-200 per night.

So you'd need to spend a little under $700 to make back the cost of the fee in the form of a free category 1 room at a Hyatt Hotel

If you spend $100 at a Hilton property using the Surpass card, you get 1,200 points. You need 5,000 points to stay in a category 1 room. A category 1 room costs approximately $100 per night. So you would need to spend approximately $450 to confidently make back the cost of the fee in the form of a free room at a category 1 Hilton hotel.

Now, from the outset, this may appear to paint Hyatt in a poor light since Hilton offers more points when using your card at their respective properties.

However, what the comparison does not show, is that Hilton calculates its points value differently depending on where and when you stay.

Hyatt points are valid at any Hyatt hotel or resort and can be used at any time.

This gives you far greater flexibility in using your points to book your free stays.

And when you consider the sign-up bonus and the extra points you get from adding an authorized user, that brings it up to 45,000 points—equal to eight free nights at a category 1 Hyatt hotel.

On the other hand, the Hilton card awards you automatic Gold status, giving you a 25% bonus on the points you earn, along with a 5th night free when you stay four consecutive nights at the same property.

This is in addition to nearly double the points you get with the Hilton-branded card.

The fifth night free can be used consistently throughout the year on your 10th, 15th, and 20th stays at a Hilton, for example.

Hyatt's Discoverist status will give you a free night only if you stay at five different Hyatt locations.

Trip Advisor Ratings for Hyatt

What's more, you won't earn the same bonus on your points until you reach Hyatt's Explorist status, the next step up from Discoverist.

If you'd rather earn points quicker and seasonality has little impact on your travel decisions, it may be worth looking into the Hilton Honors Surpass card instead.

Here are three other competitive travel credit cards to consider

If earning a generous 50,000 points, $300 in travel credit, and many other perks sound good to you, the Chase Sapphire Reserve might be the card for you.

If you'd like to start your flight with double miles on all purchases and 40,000 bonus miles, then take a look at the Barclaycard Arrival Plus World Elite Mastercard.

For travelers who want a travel credit card along with a full year with 0% interest, check out the Bank of America Travel Rewards Credit Card.

Of course, there are many other branded hotel credit cards to choose from, such as the Ritz-Carlton credit card, the Starwood line of hotel credit cards, and many more.

The Question Everyone's Asking

"Can you get double sign-up points if a husband and wife sign up separately?"

Yes, you can—this is a little-known but incredibly easy way to rack up points quickly.

Rather than signing up together as a couple, sign up for your own Hyatt credit cards separately.

Then, spend $2,000 or more within the first three months to qualify for the sign-up bonus.

You'll get a whopping 80,000 points, which equals a jaw-dropping 16 nights at a category 1 Hyatt hotel or resort.

The $2,000 Sign-up Bonus by Feeding Your Family

Plus, you'll also get special offers that are exclusive to the primary cardholder.

This means that your spouse's offer may be different than your own, and the value of the deal easily makes it worth the annual fee.

If you've been thinking about planning a romantic getaway to an exotic location, this may just be the card to make it all come together for you.

How It All Works

Hyatt's offering shines with its point redemption program and complimentary night offer

As a general travel credit card, there are programs out there that are simply better at rewarding travelers for making purchases, flights, and reservations with their cards.

Interest rates and APRs, along with the annual fee, are also pretty much in line with other hotel credit cards.

On the surface, it appears to be just another generic travel card, but if you dig a little deeper, you'll find a few nuggets that give this card an attractive edge.

It's easier to get approved. Most credit cards offered by Chase are subject to the 5/24 rule, which states that you can't be approved for a new Chase card if you've opened five or more new credit card accounts in the last 24 months.

You'll be glad to know that the Hyatt card is exempt from this rule, making it easier to get approved for, regardless of how many accounts you've opened recently.

Excellent card member promotions. For example, one month, cardholders could get a $30 statement credit if they spent $300 at grocery stores or drugstores.

Other promotions are specifically tied to Hyatt, such as a 10% refund on redeemed points, or a faster path to upgrade to the card's more exclusive membership, the Globalist program.

A 1:1 reward points redemption rate with Chase Ultimate Rewards. This is perhaps the biggest reason to consider this card aside from the ease with which you earn points.

A rewards redemption rate like this means that you can transfer points over from Chase's branded rewards program, Chase Ultimate Rewards and use those points toward an upgraded stay at a Hyatt resort.

So if you have another card like the Chase Sapphire Reserve or Ink Business Preferred, you can put those Ultimate Rewards program points to use towarda luxurious vacation getaway.

Built-in travel and purchase protection. Extra features like trip cancellation or interruption insurance and a Visa Signature Concierge Service, available 24 hours a day, help give you greater peace of mind when traveling.

Another added perk when using this card to book your trip is the inclusion of baggage delay insurance.

This insurance will reimburse you for baggage delays over six hours and on essential purchases including clothing and toiletries.

You can get up to a $100 reimbursement per day for up to five days with this insurance.

No foreign transaction fee. Many travel credit cards make the bulk of their money on hefty foreign transaction fees.

Not the Hyatt card.

Plus, unlike American Express, which is limited in where it can be used, you can use your Hyatt card anywhere in the world that accepts Visa credit cards.

2018 British Standards Institution Score for International Hotels

Earn rewards even faster. You can increase the rate at which you earn rewards points by becoming a World of Hyatt member for free.

This will allow you to earn five points per dollar on eligible purchases in addition to the three points per dollar that you earn when you book a stay at a Hyatt hotel with your card.

You may also be able to earn more reward points by taking advantage of special promotions offered by Hyatt exclusively to cardholders.

The Hyatt App makes it easy to plan and book your trip

In addition to letting you book rooms at over 600 Hyatt hotels and resorts, you can also log in to your World of Hyatt account and redeem points for free nights or see discounted rates.

From the app, you can also check in or check out and view room rates, so you'll always know how much to pay before you book.

If you have an Apple Wallet account, you can add your reservation information and account details through their secure payment system.

Depending on the Hyatt hotel you're staying at, you can also request additional amenities or request an Uber ride to your hotel directly from the app itself.

These convenient features, along with the ability to redeem points and book quickly at your preferred Hyatt resorts, make this app a huge time-saver for busy travelers.

FAQ

  • How do I sign up for a Hyatt credit card?

    To sign up for the Hyatt card, visit Chase's website and click the green Apply Now button.

    You'll be taken to a page that reiterates the offer and links to the terms of service.

    Complete each of the four steps to submit your application.

  • How do I cancel the Hyatt credit card?

    If you'd like to cancel your card, call the phone number printed on the back.

    You can then speak with an agent to go through the cancellation process, which takes around two minutes.

    It's interesting to note that you can re-apply for the card after 24 months and receive the sign-up bonuses all over again.

  • How do I contact a human?

    If you'd like to contact customer service with questions about the Hyatt credit card, call 1-800-436-7941, which is available 24 hours a day

    Overseas callers should call 1-302-594-8200 for questions about their Hyatt card.

  • How long does it take to refund my credit card?

    Each refund case is different and has different circumstances, so it's recommended that you contact customer service for details on the refund process in your specific case.

  • What can I use my Hyatt bonus points for?

    You can use your Hyatt bonus points toward a wide range of products and services, including free nights and upgrades at Hyatt hotels and resorts.

    You can also use your points at participating Hyatt partner airlines by exchanging them for miles.

    See which airlines are included and how many miles (or kilometers) you can earn by viewing a list of Hyatt's airline partners.

  • How can I check my credit card balance?

    You can check your credit card balance at any time by logging into your Chase member's account either on your desktop computer or via your mobile device.

  • Can I withdraw money from my credit card?

    You can get a cash advance from your card from any ATM that accepts Visa.

    Simply insert your card, enter your pin number and select the amount you wish to withdraw.

    If prompted by the machine to choose your method of withdrawal, select "Credit."

  • Can I get a cash advance and are there any related fees?

    You can get a cash advance with your Hyatt card, although keep in mind that you will be subject to the 25.99% variable cash advance APR.

  • Can I pay for the credit card with a gift, a different credit card, or PayPal?

    You can only pay your credit card balance by mail with a check, or online via your connected bank account.

    You can schedule online payments or set up automatic payments through the Chase credit card payment system.

  • Can I use my credit card without the card?

    If you have connected your World of Hyatt credit card to the Apple Pay wallet, you may be able to use this system in lieu of having your card in hand.

    Still, it may be a good idea to carry your card with you in the event that your particular Hyatt location does not accept Apple Pay.

  • How can I add an authorized user to my credit card?

    You can add an authorized user to your Hyatt card by logging into the World of Hyatt/Chase Member's area, clicking the Add Authorized User link, and following the steps presented.

  • How soon can I use my credit card once I receive it?

    You can start using your Hyatt credit card immediately upon receiving it.

  • How do I report a stolen Hyatt credit card?

    In case of a lost or stolen card, please use the customer service telephone numbers to report the theft.

  • What credit score do I need to get approval for the card?

    You will need a credit score of "Excellent" (750-850) in order to be approved for the Hyatt credit card.

  • What credit score do I have to maintain so my account is not closed?

    You will need to maintain a credit score in the range of 750–850 and pay your balance on time to keep your account in good standing.

  • Will my credit score drop if my account gets closed?

    Closing your credit card account will have a small effect on your credit score.

    However, continuing to pay your accounts on time can help you recover from the small dip in credit score that canceling or closing an account creates.

    If you don't have diversity in the types of credit you have used, taking out a personal loan can help offset a drop in your credit score.

    That's because personal loans count toward your credit score in terms of types of accounts you have.

  • Which credit bureaus does the Hyatt Visa report to?

    Chase, the issuer of the Hyatt credit card, reports to all major credit reporting bureaus.

  • Is there a credit insurance program and how will it cover me if I lose my job?

    There is no credit insurance program available with this card.

  • Can I transfer money from my Hyatt credit card to another?

    As this is not a balance transfer card, you cannot initiate balance transfers to this card from others.

    You may, however, transfer balances from this card to credit cards designed specifically to help pay down high balances.

    We've posted a detailed guide to the best credit cards for balance transfers if you are looking to save money on high-interest rates.

  • How long does it take to receive the card once I have been approved for it?

    You should receive your credit card by mail within 1–2 weeks after your application has been approved.

  • Does this card cover rental car insurance?

    As part of the travel protections offered through Chase, you can choose to charge the entire cost of your car rental to your card.

    Doing so activates the auto rental collision damage waiver, which provides coverage for theft and collision damage on most cars in the U.S. and abroad.

    It's worth noting that this coverage is secondary to your personal insurance coverage.

If you're a loyal Hyatt guest, this card is the easiest and fastest way to earn free nights at your favorite hotel or resort

There's simply no better travel credit card available for Hyatt fans who enjoy the comfort and convenience of this popular hotel and resort chain.

With an easy-to-understand rewards structure and the ability to earn points quickly, plus a free stay on the anniversary of your card membership, it's a great way to get more benefits from the places you stay at the most.

Do you use the Hyatt credit card?

How has the card worked out for you?

Any great tips (or nightmares) to share with the rest of us?

Let us know in the comments below.


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