The Hyatt Credit Card
"Offers one of the most competitive award charts in the industry"
Hyatt might not be the largest hotel chain in the world, but it has a great award chart that makes it easy to redeem points for stays. Hyatt has partnered with Chase to offer the Hyatt credit card. Whenever you use the card, you will earn points that can be redeemed for stays at any Hyatt property.
The Hyatt card comes with a sign-up bonus of two free nights at any Hyatt in the world. That means you can use your free nights at the Park Hyatt in Paris or the Park Hyatt in Sydney, which is located across from the world-famous Opera House. Rooms at these properties often cost over $1,000 per night.
The card also comes with a decent earning structure: three points per dollar at Hyatt and two points per dollar for dining out, airfare and car rentals. This doesn’t make it a go-to card on a daily basis, but it’s a solid earner. Additionally, cardholders receive Discoverist elite status in the World of Hyatt loyalty program and an annual free night certificate to use at a Category 1-4 hotel.
Bonuses and Benefits
Knowing what benefits come with a credit card can help you decide if it’s a good fit for you. Here we cover the bonuses and perks that the The Hyatt Credit Card offers and the value of the Chase World of Hyatt® points you earn.
A sign-up bonus of two free nights at any Hyatt, regardless of category, is a fantastic sign-up bonus for a hotel credit card. When you add the annual free night that can be used at a Category 1-4 Hyatt property, the Hyatt card packs quite a punch.
You can even add an authorized user and earn a bonus of 5,000 Hyatt points after they make one purchase. This is enough for one night at a Category 1 property, and it puts you well on your way to an award stay at a Category 2 hotel.
If you spend $50,000 on the card within a calendar year, your World of Hyatt status will be upgraded from Discoverist to Explorist status. Discoverist provides premium internet, priority check-in, 2 p.m. check-out and 10 percent bonus points.
Explorist receives similar benefits with a bump to 4 p.m. check out and 20 percent bonus points. Additionally, Explorist members receive four club lounge passes each calendar year. One pass is valid for stays of up to seven days.
What You Get
- Earn 40,000 points after you spend $2,000 on purchases in the first 3 months
- 2 free nights at any Hyatt property after spending $2,000 within 3 months
- Additional 5,000 points for adding an authorized user within 3 months
- Annual pass for 1 free night at a Category 1-4 hotel
- Instant Discoverist elite status
- Get Explorist status after spending $50,000 in a year
- 3 points per dollar for Hyatt purchases
- 2 points per dollar for dining out, airfare and car rentals
Points you earn with Hyatt will expire if your account has no activity for 24 consecutive months. To prevent this inactivity, you only need to use your Chase Hyatt card, redeem points for an award stay or purchase a room for a night.
The Chase Hyatt card’s earning potential is best when used for Hyatt stays or other purchases while staying at a Hyatt property. The Hyatt card earns three points per dollar on all purchases with Hyatt. You can also earn two points per dollar when dining out, booking flights directly with airlines or renting a car.
All other purchases earn one point per dollar. While the Hyatt card does come with several bonus categories, for everyday spending, there are other cards that are better. Some of these cards even earn points that can be transferred to Hyatt.
Your Monthly Charges
Rewards You Will Earn Annually24,000points$401in dollar value
- Car Rental
- Hyatt Purchases
- All Other Purchases
No Foreign Transaction Fees
You can use the Chase Hyatt card for purchases in countries around the world and never be charged a single foreign transaction fee.
Chip-Enabled Credit Card
The Hyatt card is chip-enabled, assuring your security while you travel.
You can use the Chase Hyatt card in over 17 countries across the world.
Earn Elite Status Fast
Just for having the Chase Hyatt credit card, you maintain Discoverist status in the World of Hyatt loyalty program. Discoverist status provides 10 percent bonus points on all Hyatt purchases, 2 p.m. late checkout, a preferred room, a complimentary bottle of water, a dedicated check-in line and an exclusive contact number for reservations.
If you spend $50,000 during a calendar year, your status will be upgraded to Explorist level, which includes the above benefits plus several more perks. Rather than a 10 percent point bonus, you receive a 20 percent bonus. You also receive upgrades to the best available room, excluding suites. Checkout can be as late as 4 p.m., and you receive guaranteed room availability 72 hours prior to your date of arrival. Finally, you get four club lounge passes, each of which can be used on stays of up to seven days.
- Complimentary Discoverist elite status for all cardholders
- Earn Explorist status after spending $50,000 in a year
Fees: the cost of Having the Card
With an annual fee of $75 , you need to spend $5,000 per year to cover the annual fee, assuming points are valued at 1.5 cents each. At $2,000 per month, you will knock that out in just three months.
While the annual fee isn’t waived the first year, the two free nights at any Hyatt property more than make up for it. Any consideration of the annual fee also needs to include the annual free night at a Category 1-4 property upon the completion of your first year with the card. That free night can easily make it worth renewing the card year after year.
- Annual Fee:
- Balance Transfer Fee:
- Either $5 or 5% of the amount of each transfer, whichever is greater
- Late Payment Fee:
Up to $15 if the balance is less than $100; up to $27 if the balance is $100 to less than $250; up to $37 if the balance is $250 or more
- Foreign Transaction Fee:
See What It Takes to Cover an Annual Fee:
Your Average Monthly Spend
Months to Cover Annual Fee
We strongly recommend to spend not less than $1,498 per months to cover the annual fee in three months.
We’ve broken out our estimates for the first- and second-year net earnings you’ll get with the The Hyatt credit card. Is the card worth getting, and should you keep it after you get the sign-up bonus? Let’s find out.
These estimates are based on an annual monthly spend of $2,000
Foreign Transaction Fees-$0
Rewards Earned First Year$994
Foreign Transaction Fees-$0
Rewards Earned Second Year$326
Top 5 Benefits of the The Hyatt Credit Card
The Hyatt card from Chase has a lot to offer, particularly if you frequent Hyatt properties. These are the top cardholder perks:
- Great Award Chart: Hyatt has one of the best award charts of all the hotel chains thanks to reasonable redemption rates.
- Sign-Up Bonus: Every year, upon the anniversary of your account opening, you receive a free night at any Category 1-4 Hyatt property.
- Discoverist Status: Just for holding the Hyatt card, you get a bump to Discoverist elite status, which comes with several perks.
- Big Sign-Up Bonus: The Hyatt card comes with a solid sign-up bonus of 2 free nights at any Hyatt property.
- Spend Your Way to Explorist Status: For big spenders, you can earn Explorist status by making $50,000 in purchases with the card.
Should You Get the Hyatt Credit Card?
The Hyatt card can be a great fit for most people, from the frequent business traveler to the occasional vacationer. If you travel often but don’t regularly stay at Hyatt, the perks of Discoverist status can make your stays a little more relaxing.
They Hyatt card also provides a great avenue for earning Hyatt points that can be redeemed for award stays at hundreds of hotel properties around the world. With one of the most competitive award charts in the industry, every point you earn makes a significant dent in the required points for your next award stay.
Even those who travel sparingly can get great value out of the sign-up bonus and the annual free night certificate. A free night at a Category 4 hotel more than covers the $75 annual fee. This basically makes the annual free night certificate a huge discount on an expensive hotel room.
Need more info? Check out our frequently asked questions. If you have other questions, please click on “Ask Now” below.
To redeem Hyatt points for award stays at Hyatt properties, you need to search for a room on a particular date and then select Show World of Hyatt Points & Awards. This will show you the award cost of standard and club rooms.
If a standard room is available for purchase, you should be able to book an award stay for the same room. Award stays can be as cheap as 5,000 points per night for a Category 1 property and as expensive as 30,000 points for a Category 7 property.
Some properties will allow you to book a suite with your points. The points required can range from 8,000 for Category 1 to 48,000 for Category 7.
You can even book award stays at all-inclusive Hyatt properties.
This might seem counterintuitive, but most of the time using a card that earns Ultimate Rewards will help you earn the points for award stays at Hyatt faster than using the Hyatt card.
This is because cards like the Chase Sapphire Reserve, Chase Sapphire Preferred, Chase Ink Business Preferred, Chase Ink Business Cash, Freedom and Freedom Unlimited can earn more than one point per dollar for most purchases.
While the Hyatt card earns three points per dollar at Hyatt properties, that’s the only time it can compete with the Chase Ultimate Rewards card lineup. The Sapphire Reserve earns three points per dollar on dining and travel purchases, while the Sapphire Preferred earns two points per dollar in these categories. The Freedom has quarterly rotating categories that earn five points per dollar while the Freedom Unlimited earns 1.5 points per dollar on everything.
The Ink Preferred earns three points per dollar on telecommunications, digital advertising and more, while the Ink Cash earns five points per dollar at office supply stores, telecommunications and more. After you’ve earned the sign-up bonus with for the Hyatt card, consider using a Chase card that earns Ultimate Rewards. Your points won’t be locked into Hyatt, but you can transfer them instantly whenever you want to book a Hyatt stay.
On your Hyatt card account anniversary, you will earn a free night certificate that will be deposited into your World of Hyatt account that can be used at Category 1-4 properties.
From your World of Hyatt account, you can select My Account then My Awards to see your free night certificate. Once you search for your desired Hyatt property, select Show World of Hyatt Points & Awards and you will have the opportunity to redeem your free night certificate.
If for some reason a standard room is available for purchase but does not show when you select Show World of Hyatt Points & Awards, give World of Hyatt a call. With standard rooms available, you should be able to redeem your free night certificate.
Compare World of Hyatt® Cards
Other World of Hyatt® cards
The Chase Hyatt Credit Card is the only co-branded Hyatt credit card. However, you can transfer Chase Ultimate Rewards points to World of Hyatt, so you actually have several options for earning Hyatt points.
There are several Chase cards that earn Ultimate Rewards points, including the Sapphire Reserve, Sapphire Preferred, Freedom and Freedom Unlimited. Additionally, there are two small business card options, the Ink Business Preferred and the Ink Business Cash. The annual fees from these cards range from no-fee all the way up to $450.
Compare Hyatt Credit Card to Other Cards
If you’re focused on earning points for hotel award stays and want those stays to cost a reasonable number of points, then the Chase Hyatt credit card could be just right for you. The Starwood Preferred Guest card from American Express earns SPG Starpoints that can also be redeemed for hotel stays at competitive award rates. The Hilton Honors card from American Express and the Marriott Rewards Premier card also give you access to award stays at two other hotel chains. While the award rates are higher, they have many more properties around the world.
Unlike the Hyatt credit card, the other three each come with sign-up bonuses in points rather than free nights. The Marriott Rewards Premier card and the Hilton Honors card both have 50,000-point sign-up bonuses, while the Starwood Preferred Guest card has a 25,000 points sign-up bonus.
The SPG card’s sign-up bonus is significantly lower than the others, but Starpoints also transfer to over 30 airline partners. On top of that, when you transfer 20,000 points to an airline, you will receive a bonus of 5,000 miles.
The Marriott Rewards Premier credit card has a similar earning structure to the Chase Hyatt card, earning two points per dollar at restaurants, as well as for airline tickets purchased directly from an airline and rental cars. It earns five points per dollar at Marriott and SPG hotel properties, similar to the Hyatt card’s three points per dollar at Hyatt properties. The Marriott Rewards Premier credit card also provides an annual free night at a Marriot Category 1-5 hotel.
The Hilton Honors card from American Express earns seven points per dollar at Hilton properties; five points per dollar at gas stations, grocery stores and restaurants; and three points per dollar on all other purchases.
Whenever you apply for a credit card make sure you read the terms and conditions of the card and the rewards program to find out about minimum spend requirements and any restrictions to ensure you can successfully obtain the card and earn the rewards it offers.
Excellent credit score
IssuerJPMorgan Chase & Co.
Pay with pointsNo
Loyalty ProgramWorld of Hyatt®
Flights TypeDomestic and International
AllianceNot a member
Card Terms and Conditions
While it's easy to focus on the rewards offered by the The Hyatt credit card, it's worth taking a closer look at the terms and conditions. There's a lot to consider as you think about how you're going to use the card. Will you carry a balance, get a cash advance or maybe make a big purchase? Below is a rundown of the various interest rates, purchase protections, security features and mobile banking options that come with the Visa card.
- Intro APR:
- See Terms and Conditions
- Intro APR for balance transfers:
- See Terms and Conditions
- Ongoing APR:
- 16.99% to 23.99% Variable±
- Minimum Grace Period:
- 21 days
- Extended Warranty Protection:
- On eligible warranties of up to three years, purchases with this card are covered for an additional year.
- Purchase Protection:
- The Hyatt card covers your new purchases for 120 days against damage or theft for up to $500 per claim and $50,000 per account.
- Price Protection:
- If a purchase you make with the card in the U.S. is advertised for less in print or online within 90 days, you can be reimbursed the difference for up to $500 per item and $2,500 per year.
- Return Protection:
- Get reimbursed for returns that stores won’t accept for up to $500 per item and $1,000 per year.
Cash Advance Features
- Ongoing APR:
- 25.99% Variable±
- Cash Advance Fee:
- Either $10 or 5% of the amount of each transaction, whichever is greater
Security and Protections
The Hyatt credit card is issued by Chase and thus has the security systems and fraud prevention features that come with all Chase credit cards.
- Account alerts:
- Set up alerts to be notified when large transactions occur, if there’s an unauthorized withdrawal and when your bill’s due.
- EMV Chip Technology:
- Get global acceptance and enhanced security at merchants that use chip enabled terminals.
Chase offers mobile banking through its easy-to- use Android and iPhone apps.
- Chase Mobile App:
- Track your account with the mobile app.
- Mobile Wallet:
- Compatible with Apple Pay, Android Pay and Samsung Pay.
Additional Cardholder Benefits
The Chase Hyatt card is great for earning free hotel stays, but as a Visa Signature card, it also has several other benefits.
Visa Signature Travel Benefits
- Auto Rental Collision Damage Waiver:
- Coverage for theft and collision for most rentals in the U.S. and abroad. Coverage is secondary to your personal insurance.
- Baggage Delay Insurance:
- Reimbursement for essentials such as toiletries and clothing if bags are delayed over six hours. Get up to $100 a day for five days.
- Lost Luggage Reimbursement:
- Get up to $3,000 per passenger for damaged or lost bags. Coverage includes cardholder and immediate family members on the same travel itinerary.
- Trip Delay Reimbursement:
- If weather or illness cause you to cancel or cut short a trip, you can get reimbursed for up to $5,000 per trip for pre-paid, non-refundable travel expenses.
- Travel Accident Insurance:
- Receive accidental death or dismemberment coverage of up to $500,000 for any air, bus, train or cruise ship transportation paid for with your card.
- Travel and Emergency Assistance Services:
- Legal and medical referrals, and other travel and emergency assistance is available any time of day. Service charges apply.