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Advertiser Disclosure Updated: Apr 25, 2024, 1:31pm

Best Hyatt Credit Cards Of May 2024

Toni Perkins-SouthamLead Editor

Toni is a points and miles enthusiast who has been leveraging loyalty programs to travel around the world (for nearly free) with her husband and their four young children. She’s passionate about sharing travel tips so that others can not only feel inspired but also confident in planning their own travel.

Toni Perkins-Southam

Toni Perkins-SouthamLead Editor

Lead Editor

Caroline LupiniManaging Editor, Credit Cards & Travel Rewards

Caroline Lupini has been traveling the world with the help of credit card rewards since 2011. She has visited over 110 countries and is able to utilize her knowledge of credit cards and to make travel both less expensive and more luxurious. Caroline has over 50 credit cards in her wallet and has previously covered credit cards and travel for Business Insider, The Points Guy, USA Today, Lonely Planet, Orbitz and many others.

Fact Checked

Caroline Lupini

Caroline LupiniManaging Editor, Credit Cards & Travel Rewards

Managing Editor, Credit Cards & Travel Rewards

Fact Checked

Updated: Apr 25, 2024, 1:31pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

If you’re a Hyatt loyalist, you may benefit from a Hyatt credit card. Hyatt co-branded cards aren’t as complicated as many co-branded cards from other hotel programs because you’ll find only one personal and one business card to choose from. But what Hyatt lacks in quantity in its card options, it makes up for in quality. Both cards are a solid choice for Hyatt enthusiasts, but if you’re an occasional Hyatt visitor, you may benefit from a more flexible card instead.

Show Summary

Best Hyatt Credit Cards

The World of Hyatt Credit Card: Best Consumer Hyatt Credit Card
World of Hyatt Business Credit Card: Best Hyatt Card for Small Businesses

Find the Best Credit Card

Best Hyatt Credit Cards of 2024

Best Consumer Hyatt Credit Card

The World of Hyatt Credit Card

Apply Now

On Chase Bank USA, NA's Website

Click Here To Apply Now

Up to 9X Reward Rate

Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you useRead More

Welcome Bonus

Up to 60,000 Bonus Points

Annual Fee

$95

Regular APR

21.49% - 28.49% variable

Credit Score

Excellent, Good (700 - 749)

Editor's Take

While Hyatt doesn’t have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you are a regular at Hyatt, a combination of high point redemption values, sweet perks and one free night stay per year will easily cover the annual fee and then some.

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
No intro APR offer

Card Details

Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
Member FDIC

Best Hyatt Card for Small Businesses

World of Hyatt Business Credit Card

Apply Now

On Chase Bank USA, NA's Website

Click Here To Apply Now

Welcome Bonus

60,000 Bonus Points

Annual Fee

$199

Regular APR

21.49% - 28.49% variable

Credit Score

Excellent, Good (700 - 749)

Editor's Take

The World of Hyatt Business Credit Card marries an ongoing earnings structure with the ability to use card spending as an extra boost toward earning status with the chain.

Pros & Cons

Welcome bonus
Solid earnings rates
Automatic Discoverist status

Annual fee
Low earning rate for non-bonused spending
Base level status with the card offers limited benefits

Card Details

60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
2 Bonus Points per $1 spent on fitness club and gym memberships
1 Bonus Point per $1 spent on all other purchases.
Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Member FDIC

Here’s a Summary of the Best Hyatt Credit Cards

Credit Card

The World of Hyatt Credit Card

World of Hyatt Business Credit Card

Credit Card

Best For

Credit Score

Annual Fee

Welcome Bonus

The World of Hyatt Credit Card

Best Consumer Hyatt Credit Card

Excellent, Good

$95

Up to 60,000 Bonus Points

World of Hyatt Business Credit Card

Best Hyatt Card for Small Businesses

Excellent, Good

$199

60,000 Bonus Points

The Best Hyatt Credit Cards

Those looking for a personal Hyatt credit card can probably benefit from The World of Hyatt Credit Card. It offers automatic Hyatt Discoverist status, five elite night credits and an annual free night certificate each year after your cardmember anniversary valid at a Category 1 to 4 Hyatt property, which, if used, should more than make up for the card’s annual fee.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 bonus points per dollar spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per dollar on all other eligible purchases.

Welcome bonus: Earn 30,000 bonus points after spending $3,000 on purchases in the first 3 months of account opening, plus up to 30,000 more bonus points by earning 2 bonus points per dollar spent in the first 6 months on purchases that normally earn 1 bonus point on up to $15,000 spent.

Annual fee: $95

Other benefits and drawbacks: The World of Hyatt Credit Card earns a second free night certificate at a Category 1 to 4 Hyatt hotel after spending $15,000 on the card in a calendar year. Cardholders can also earn two additional elite night credits for every $5,000 spent on the card within a calendar year.

The card does not charge foreign transaction fees. The card also comes with various travel and consumer benefits including baggage delay insurance, trip cancellation and interruption insurance, purchase protection and an auto rental collision damage waiver.

Those with a small business may want to consider the World of Hyatt Business Credit Card. The card has a higher annual fee and comes with slightly different benefits than the personal version of the card. Cardholders receive automatic Hyatt Discoverist status for the cardholder and up to five employees and up to $100 in Hyatt statement credits.

Rewards: Earn 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 points per dollar spent in a cardholder's top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per dollar spent on fitness club and gym memberships and 1 point per dollar spent on all other purchases.

Welcome bonus: Earn 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening.

Annual fee: $199

Other benefits and drawbacks: Cardholders can earn five additional elite night credits for every $10,000 spent on the card within a calendar year and those who spend $50,000 or more within a calendar year will receive 10% of their redeemed points back after that date (up to 200,000 redeemed points).

The card does not charge foreign transaction fees. It also offers various travel and consumer benefits including an auto rental collision damage waiver, trip cancellation/interruption insurance, purchase protection and extended warranty protection.

Other Good Credit Cards for Hyatt Hotels

If you’re not that into Hyatt, it may not make as much sense to get a Hyatt credit card. Luckily, cards that earn Chase Ultimate Rewards® points include the ability to transfer at a 1:1 ratio to Hyatt. These cards also offer other transfer partners and therefore significantly more flexibility overall. Some of our top choices include:

Similarly, any of the other best credit cards for hotels are worth consideration.

Methodology

Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case (the card rating you see on a specific “Best” list). The rating for each card changes on different “Best” lists according to how a person looking for a card in that category may value certain card features.

For instance, a card that might be considered mediocre on a list of rewards cards could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.

Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.

How To Choose a Hyatt Credit Card

If you’re set on getting a Hyatt credit card, you only have two to choose from. This should make your decision relatively easy, as there is only one personal Hyatt card and one business Hyatt card.

If you have the option to apply for either one, you should consider which card will be more rewarding based on the rewards earning categories, welcome bonus and other benefits they have.

It’s also worthwhile to consider other cards, especially Chase Ultimate Rewards-earning cards as Ultimate Rewards can be transferred to Hyatt at a 1:1 ratio.

How To Apply for a Hyatt Credit Card

Both Hyatt credit cards are issued by Chase. If you want to apply for a Hyatt credit card, you have two options: You can apply online or in person. You can apply online by visiting Hyatt or Chase’s website and filling out your card application with your personal and financial information. You will get an instant decision or a message that your application is pending further review.

Hyatt Loyalty Program

The World of Hyatt loyalty program is a way to earn and redeem points for stays, dining, spa treatments and more at Hyatt hotels and resorts. The program has four tiers of membership: Member, Discoverist, Explorist and Globalist. Each tier offers different benefits such as bonus points, room upgrades, late checkout, club access or breakfast and more.

Is a Hyatt Credit Card Worth It?

Whether a Hyatt credit card is worth it is going to depend on your circumstances. Both The World of Hyatt Credit Card and World of Hyatt Business Credit Card can be rewarding options for people who stay at Hyatt hotels at least occasionally. Those who aren’t loyal to Hyatt are likely to benefit more from a more flexible rewards card.

Find the Best Hotel Rewards Credit Cards of 2024

Learn More

Bottom Line

If you love Hyatt, you have two co-branded cards to choose from: one personal and one business. Both cards offer generous rewards and benefits for staying at Hyatt hotels and resorts. However, if you don’t stay at Hyatt often, you may want to consider a more flexible card that can earn points or cash back on other purchases.

Frequently Asked Questions (FAQs)

How many Hyatt credit cards can you have?

You can have both the personal and business Hyatt credit cards.

What credit score is needed for a Hyatt credit card?

To be approved for a Hyatt credit card, you will likely need a good to excellent credit score. This means you probably have a history of paying your bills on time and keeping your credit utilization low. If you’re not sure that your credit score is high enough, it may make sense to focus on building your credit score first.

Which bank offers the World of Hyatt credit card?

Both Hyatt credit cards are issued by Chase.

Does the Chase 5/24 rule apply to the World of Hyatt credit card?

The Chase 5/24 rule is an unofficial policy that prevents you from getting approved for most Chase credit cards if you have opened five or more personal credit cards across all banks in the last 24 months. This rule applies to the World of Hyatt Credit Card as well, so you probably need to be under 5/24 to be approved for this card.

What credit cards transfer to Hyatt?

Two transferable points programs offer transfers to Hyatt: Chase Ultimate Rewards and Bilt Rewards. Both types of points transfer at a 1:1 rate.

What credit cards give Hyatt elite status?

It’s possible to get automatic Discoverist status with The World of Hyatt Credit Card and the World of Hyatt Business Credit Card. The World of Hyatt Credit Card offers five nights toward higher levels of status just for being a cardholder and both cards offer the ability to earn more nights toward status based on spending.

Next Up In Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: Chase Sapphire Reserve®, Chase Sapphire Preferred® Card. The card details on this page have not been reviewed or provided by the card issuer.

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Toni Perkins-Southam

Lead Editor

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