World of Hyatt Credit Card Review, The NEW King of Hotel Credit Cards

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World of Hyatt Credit Card Review

World of Hyatt Credit Card Review, Brand New Card!

Chase has been the provider of the Hyatt credit card for some time now.  They recently refreshed their product and released a new and improved co-branded Hyatt credit card.  In this World of Hyatt credit card review we will take a look at the bonus, earning structure, whether not the card is a long term keeper, and our overall grade for the card.

This card replaces the old version of the Hyatt credit card.  If you already have the old Hyatt card you can upgrade to this new version with their puny upgrade offer.

Current Sign Up Bonus vs Historical High

The new World of Hyatt credit card comes with the following sign up bonus:

  • 40,000 Hyatt points after $3,000 in spend
  • An additional 20,000 Hyatt points after $6,000 in total spend within 6 months ($3,000 more)

This is an increase of 20,000 bonus points compared to the previous card’s offer.  It is unclear if you still get 5,000 points for adding an authorized user.


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World of Hyatt Credit Card Review

Bonus Restrictions

The Chase World of Hyatt credit card does not fall under the dreaded Chase 5/24 rule (at least for the time being).  There are rumors that it will fall under the 5/24 rule, with all other Chase cards, at some point in the future.

The Chase World of Hyatt credit card also has the standard 24 month bonus restriction language:

The product is not available to either current Cardmembers of any Hyatt Credit Card, or previous Cardmembers of any Hyatt Credit Card who received a new Cardmember bonus within the last 24 months.

This language includes the previous Hyatt credit card.  You are also not able to sign up for the World of Hyatt credit card if you currently hold the old version Hyatt credit card.

It is worth noting that Chase has been shutting down accounts of people with too many recent applications and for people with to much credit available to them across all banks.  These are two things to be aware of before applying.

Earning Structure

The new World of Hyatt credit card comes with the following earning structure:

  • 4 points per dollar at Hyatt properties
  • 2 points per dollar at
    • Restaurants
    • Fitness club/gym memberships
    • Airfare booked directly with airlines
    • Local transit including rideshare (Uber, Lyft etc.)
  • 1 point per dollar on everything else

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World of Hyatt Credit Card Review

Cardmember Perks

The card perks is where the World of Hyatt credit card really shines.  They are as follows:

  • Receive a “free night” at any category 1–4 Hyatt every year after your cardmember anniversary.
  • A second category 1-4 “free night” when you spend $15,000 on the card in your cardmember year.
  • You receive 5 World of Hyatt tier qualifying night credits each year.
  • Earn 2 World of Hyatt tier qualifying night credits after every $5,000 in spend on the card. There doesn’t seem to be a cap either.
  • Complimentary Discoverist Status
  • No foreign transaction fees
  • Purchase Protection – Covers your new purchases for 120 days against damage or theft up to $500 per claim, up to $50,000 per account.
  • Lost Luggage Reimbursement – Up to $3,000 in coverage if the airline loses you or your immediate family member’s luggage.
  • Trip Cancellation/Trip Interruption Insurance – If your trip is cut short or canceled by severe weather, sickness, or other covered situations, you can be reimbursed up to $5,000 per trip for your pre-paid, non-refundable travel expenses.
  • Baggage Delay Insurance – Essential purchases like toiletries and clothing for baggage delays over 6 hours are covered, up to $100 a day for 5 days.

Fees

The Chase World of Hyatt credit card has a $95 annual fee which is NOT waived the first year.

Sign Up Bonus Value – $985

Hyatt points are valued in the $0.018 per point range which would put the 60,000 point welcome bonus worth $1080. Once you subtract the annual fee of $95 you are left with a net value of $985.


Click Here to compare this an other hotel credit cards


World of Hyatt Credit Card Review

Summary

The new and improved World of Hyatt credit card is better in every single way.  The bonus, earning structure, card perks, and overall value are all improved.  Chase really took a look at what people wanted in a hotel credit card and delivered.

The annual fee is increased by $20 compared to the old Hyatt credit card, but that is more than offset by the improved perks and earning structure of the card.

The sign up bonus puts it right near the top in terms of overall dollar value.  60,000 World of Hyatt points can get you 12 nights in a category 1 hotel or two nights in a category 7 Park Hyatt etc.  The diversity makes this a lot more valuable than the old 2 free nights anywhere offer.

Where the card improved the most is adding in value that makes it worth keeping the card long term.  Adding in the free night after $15,000 in spend and elite night credits for every $5,000 in spend makes this a card an everyday spender.

Long Term Keeper

Most people will get more than $95 out of the anniversary “free” night and that alone makes it a long term keeper.  If you spend $15,000 on the card every year it becomes one of the best everyday cards on the market. In terms of return on non bonus spend.

The ability to earn elite night credits is a huge perk for those who always come up a few nights short of their desired status level.

Unless you struggle to find a use for the anniversary certificate and put no spend on the card this is a long term keeper.

Conclusion

Chase really knocked it out of the park with their World of Hyatt credit card.  It is a card that offers value even if you don’t use it much. But, it really becomes valuable when you put the card to work. The free night at $15,000 in spend and elite stay credits for every $5,000 in spend earn this card a place in your wallet instead of your sock drawer.

It is now the best everyday hotel credit card on the market with SPG’s upcoming changes.

 


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2 COMMENTS

  1. If you’ve had the current Hyatt credit card for well over 24 months and are also under the 5/24 rule, can you cancel your current card and then apply for the new one a few days later instead of going with the puny upgrade offer?

    • Yes that should work if you are past 24 months. There is always a risk you don’t get approved for the new card but it should work fine in theory.

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