Hyatt affords its loyal vacationers a novel benefit over the opposite main lodge chains in the case of incomes factors.
In contrast to different large lodge manufacturers like Hilton, Marriott and IHG, which have switch partnerships with applications like Chase Final Rewards and American Specific Membership Rewards, Hyatt is the one one which usually presents strong switch values.
Given how in style the World of Hyatt program is, many individuals ponder whether it is higher to earn Chase Final Rewards factors with the intention of transferring them to Hyatt or just sticking to the World of Hyatt Credit score Card (see charges and charges).
The World of Hyatt Credit score Card
World of Hyatt affords two cobranded bank cards from Chase: the World of Hyatt Credit score Card and the World of Hyatt Enterprise Credit score Card (see charges and charges).
Let’s evaluation a few of the key particulars concerning the private card.
- Welcome provide: Earn two free nights after spending $4,000 on purchases within the first three months from account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening. In whole, this welcome provide is price as much as $1,037 primarily based on TPG’s July 2025 valuations.
- Annual price: $95.
- Earnings fee: Earn 4 factors per greenback spent at Hyatt motels; 2 factors per greenback spent on airfare bought straight with the airways, eating places, native transit and commuting (together with ride-hailing providers) and health membership/health club memberships; and 1 level per greenback spent on all different purchases.
- Notable card advantages: Obtain a free Class 1-4 free night time certificates annually in your account anniversary and complimentary Hyatt Discoverist standing, and obtain 5 elite night time credit annually, plus earn two further qualifying nights for each $5,000 spent on the cardboard.
For extra particulars, learn our full critiques of the World of Hyatt bank card and the World of Hyatt enterprise bank card.
Incomes potential and redemptions
Let’s begin with an apparent drawback of sticking solely to the World of Hyatt bank card: You are giving up entry to all of Chase’s different switch companions, together with United Airways, British Airways and Singapore Airways.
The pliability of those applications drives a lot of the worth of Chase Final Rewards factors, which is why TPG’s July 2025 valuations peg them at 2.05 cents every in comparison with simply 1.7 cents every for Hyatt.
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Except you are sticking solely to street journeys, you may want a strategy to journey to no matter Hyatt property you are staying in, and Chase Final Rewards factors are the most effective choices for getting you there.
This flexibility is additional enhanced by playing cards just like the Chase Sapphire Reserve® (see charges and charges), which affords redemption charges of as much as 2 cents per factors whenever you redeem your factors via Chase Journey℠ with the brand new Factors Increase characteristic.
Hyatt factors, then again, can solely be redeemed for stays and upgrades at Hyatt motels.
Now let’s flip our consideration to bonus classes and welcome affords and see how the World of Hyatt card stacks up in opposition to the three hottest Final Rewards-earning playing cards:
| Card | Chase Sapphire Reserve | Chase Sapphire Most well-liked® Card (see charges and charges) | Ink Enterprise Most well-liked® Credit score Card (see charges and charges) | World of Hyatt Credit score Card |
|---|---|---|---|---|
| Annual price | $795 | $95 | $95 | $95 |
| Welcome provide | Earn 100,000 bonus factors plus a $500 Chase Journey credit score after spending $5,000 on purchases within the first three months of account opening. It is vital to notice that the $500 Chase Journey credit score phrases state: The promotional credit score is legitimate for a one-time use solely, if you happen to apply the promotional credit score to a transaction lower than $500, you’ll forfeit the remaining stability. | Earn 75,000 bonus factors after spending $5,000 on purchases within the first three months of account opening. | Earn 90,000 bonus factors after spending $8,000 on eligible purchases within the first three months of account opening.
| Earn two free nights after spending $4,000 on purchases within the first three months from account opening. Plus, earn 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening. |
| Incomes charges |
Purchases that qualify for the annual $300 journey credit score is not going to earn factors |
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At this level, you may must take a tough take a look at your individual spending patterns to see which card comes out forward. Certain, the World of Hyatt card earns probably the most factors for Hyatt purchases, however if you happen to’re steadily reserving award stays, that class bonus may not make it easier to that a lot.
Plus, incomes extra factors is not all the time a very powerful factor, as Hyatt factors are much less versatile (and due to this fact much less precious) than Chase Final Rewards factors.
For those who’re attempting to resolve between the Chase Sapphire Reserve and the World of Hyatt card, the Sapphire Reserve has a transparent edge in airfare booked straight and eating purchases.
Nevertheless, the playing cards share the identical incomes fee on Hyatt lodge purchases, however the factors earned on the Sapphire Reserve are price barely extra. Hyatt’s saving grace is the distinctive bonus class for health golf equipment and health club memberships.
Associated: The ability of the Chase Trifecta: Sapphire Reserve, Ink Most well-liked and Freedom Limitless
Balancing perks and annual charges
The World of Hyatt card affords a free night time certificates annually in your account anniversary that is legitimate at any Class 1-4 lodge. You’ll be able to actually get outsize worth if you happen to time these redemptions properly, such because the Class 4 Thompson Washington, D.C., which fits for nearly $600 per night time throughout peak season dates.
You will additionally take pleasure in complimentary Hyatt Discoverist standing, which may add a couple of hundred {dollars} of worth to your annual travels via perks like late checkout and bonus factors. Nevertheless, the perks of this card are restricted to Hyatt stays.
If you’d like a card that may improve your journey on the airport, motels, whenever you’re renting a automobile and extra, you may need a card just like the Chase Sapphire Reserve or Sapphire Most well-liked as an alternative.
For instance, even occasional vacationers will get extra worth out of the Reserve’s Precedence Move Choose membership and concierge service than they’ll out of the World of Hyatt card’s Hyatt Discoverist standing.
Plus, you possibly can even use your $300 annual journey credit score from the Sapphire Reserve to cowl bills at a Hyatt property.
Associated: How a lot do it is advisable break even factors with the Chase Sapphire Reserve?
The case for getting greater than 1 card
On the finish of the day, it is doable for a lot of Hyatt loyalists to carry a Chase Sapphire card (or each) and the World of Hyatt card to get the perfect of each worlds. The most important caveat is that each one the playing cards talked about on this publish are restricted by Chase’s 5/24 rule, that means you may be robotically rejected if you happen to’ve opened 5 or extra playing cards within the final 24 months.
Account for the chance value of utilizing up your 5/24 slots on these purposes. It is also vital to notice that Chase’s new Sapphire card welcome bonus eligibility guidelines not permit one per 48 months.
Nevertheless, if you’re close to 5/24 and may solely get one card, I like to recommend going the Sapphire route as a result of it gives much more flexibility, particularly if you’re not a Hyatt loyalist and need different lodge switch choices.
Backside line
Cobranded airline and lodge playing cards have a tricky time measuring up in opposition to transferable factors playing cards that provide a greater return and extra advantages, however there is a compelling case to be made for the World of Hyatt card. On the very least, the free night time certificates is sufficient to negate the annual price. Plus, if you happen to steadily end up paying for Hyatt stays, these 4 factors per greenback spent will add up shortly.
For those who want extra flexibility in how one can redeem your factors, think about an Final Rewards-earning Chase card that’ll allow you to reap the benefits of a number of switch companions. For those who’re someplace within the center and need the perfect of each worlds, it’s also possible to apply for the World of Hyatt card and an Final Rewards-earning card — simply be sure you’re underneath Chase’s 5/24 rule whenever you apply.
Apply right here: World of Hyatt Credit score Card
Apply right here: World of Hyatt Enterprise Credit score Card
Apply right here: Chase Sapphire Reserve
Apply right here: Chase Sapphire Most well-liked
Apply right here: Ink Enterprise Most well-liked
Associated: The best way to calculate 5/24 standing
