The World of Hyatt Credit Card is built for travelers who stay at Hyatt properties and want to earn free nights faster while building elite status. It functions well as a dedicated hotel card, offering recurring value that easily offsets its moderate annual fee.
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Overview
Annual hotel stays
Hyatt elite status tracking
Travel insurance protections
For anyone who stays at Hyatt properties even once or twice a year, this card easily justifies its $95 annual fee. The key benefit is an annual Category 1-4 free night award provided after every cardmember anniversary. Room redemptions at Category 4 properties frequently exceed $150 in value, meaning the card easily pays for itself through that single perk.
Cardholders aiming for higher elite status tiers like Explorist or Globalist also receive a valuable boost. The card includes automatic Discoverist status, 5 tier-qualifying night credits each year, and the ability to earn additional night credits through spend. However, for everyday purchases outside of Hyatt stays, broader travel or flat-rate cash-back cards may deliver higher ongoing earning power.
An exceptional choice for Hyatt guests thanks to an annual free night that easily offsets the fee, though general everyday spending yields standard return rates.
Welcome Offer
After you spend $5,000 on purchases in your first 3 months from account opening.
Required Spend
$5,000
Time Frame
3 Months
Required Spend
$5,000
Time Frame
3 Months
Earning
Earnings accumulate as World of Hyatt points, which offer strong redemption value when booked toward award nights, room upgrades, and hotel stay expenses.
Hyatt Hotels
Everywhere
Rewards percent based on a valuation of 1.5¢ per Hyatt point
Annual Credits & Perks
The card provides strong ongoing value through an annual free night stay, automatic status credits, and a full suite of travel protection coverages.
Enrollment is required for select benefits.
Our app automatically tracks valuable credits so you don't miss any rewards.
DoorDash non-restaurant promoBenefits
Receive 5 Tier-Qualifying Night Credits every year
Receive 5 Tier-Qualifying Night Credits toward your next tier status every year.
Benefits
Purchase Protection
Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $500 per item.
Trip Cancellation / Interruption Insurance
If your trip is canceled or cut short by sickness, severe weather, or other covered situations, you can be reimbursed up to $5,000 per covered traveler and $10,000 per trip, for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels.
Auto Rental Collision Damage Waiver
Decline the rental company’s collision insurance and charge the entire rental cost to your card. Coverage provides reimbursement for theft and collision damage for most rental vehicles. In the U.S., coverage is secondary to your personal insurance.
Roadside Assistance
If you have a roadside emergency, call the service provider to dispatch the help you need. Roadside service fees will be billed to your card at the time of dispatch.
Baggage Delay Insurance
Reimburses you up to $100 a day for up to 5 days for essential purchases like toiletries and clothing when baggage is delayed over 6 hours.
Benefits
Automatic Elite Status
Enjoy Elite status in World of Hyatt as long as your card is open.
Complimentary DashPass membership
$0 delivery fees on eligible orders from DoorDash and Caviar after activating by 12/31/27.
Benefits
1 additional free night
Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 in a calendar year.
1 free night every year
Receive one free night at any Category 1-4 Hyatt hotel every year after your cardmember anniversary.
Eligibility
Good credit or higher is recommended for this card.
Credit approval is not guaranteed. Meeting the recommended credit range does not ensure approval, and applicants with lower scores may still be considered.
Pricing
Annual Fee
$95
Purchase APR
19.49% - 27.99%
Variable
Transfer APR
19.49% - 27.99%
Variable
Cash Advance APR
28.74%
Variable
Foreign Transaction Fee
$0
Balance Transfer
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Cash Advance
Either $10 or 5% of the amount of each transaction, whichever is greater.
Late Payment
N/A
Questions
MaxRewards has partnered with CardRatings for our coverage of credit card products. MaxRewards and CardRatings may receive a commission from card issuers.
MaxRewards may receive a commission from card issuers. Some or all of the card offers that appear on MaxRewards are from advertisers and may impact how and where card products appear on the site. MaxRewards does not include all card companies or all available card offers. Compensation may be earned when a customer clicks on a link, when an application is approved, or when an account is opened.
Opinions, reviews, analyses & recommendations are MaxRewards' alone, and have not been reviewed, endorsed or approved by any of these entities.
Earn 200,000 bonus points
Worth $3,000
After you spend $30,000 on purchases in your first 6 months from account opening and access more than $7,000 in total business and travel value in your first year.
Annual Fee
$795
Rec. Credit
Good
115,000 Points
Worth $1,610
After you spend $4,000 on purchases on your new card in your first 3 months of card membership.
Annual Fee
$195
Rec. Credit
Excellent
Earn 100,000 bonus points
Worth $1,500
After you spend $6,000 on purchases in the first 3 months from account opening.
Annual Fee
$795
Rec. Credit
Excellent
