Why the Hyatt Credit Card Should be in Your Wallet

Hyatt Credit Card

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[UPDATE] This card is no longer available for new applications. See our post on the new Hyatt credit card here


One of the best all around hotel credit cards is the Hyatt Credit Card from Chase. This is a card Mr. TT & I have had open for many years and I highly recommend it for the long-term benefits it provides and for the low annual fee. Get more information about this card and other travel rewards cards here.


Hyatt Credit Card


Benefits Of The Hyatt Credit Card

Sign Up Bonus of 40,000 Hyatt points – After you spend $2,000 in the first 3 months of card membership. You can even earn an additional 5,000 bonus points if you add an authorized user to your account and make a purchase with your card during the first 3 months of card membership.

These points can be used to book some incredible Hyatt properties like the Hyatt Ziva or Zilara all-inclusive resorts in Mexico, or their flagship property, the Park Hyatt New York to name a few. Our favorite Hyatt properties are the Park Hyatt, Andaz, and Ziva/Zilara.


Annual Free Night – In my opinion, this is the best perk offered by the Hyatt Credit Card. Each year of card membership, you will be given a free night certificate that is valid at any Hyatt category 1-4 property. There are no blackout dates, and as long as a room is available at the hotel, you should be able to redeem the certificate. Your free night will even count towards elite status!

There are a number of great category 4 properties where the certificate can be used. See our post on the best uses of the free Hyatt Anniversary night. For a full listing of Hyatt properties by category, visit here. Many of these hotels cost north of $250 a night.


Transfer Partner of Chase Ultimate Rewards – The World of Hyatt program is a 1:1 transfer partner of the Chase Ultimate Rewards Program. This means you can transfer points earned on cards like the Chase Sapphire Preferred or the Chase Sapphire Reserve to help bolster your Hyatt points balance and extend your award stays.


Category Spending Bonuses – You will earn 3X points per dollar spent at all Hyatt hotels, 2X points per dollar spent at restaurants, airfare booked directly with the airlines and on car rentals, and 1X point per dollar on everything else.

Personally, I don’t put much spending on my Hyatt card, because I carry the Chase Sapphire Reserve card. This is a 1:1 transfer partner of the World of Hyatt program and offers better category bonuses and more flexibility with my points.


Hyatt Discoverist Status – You will receive Hyatt’s Discoverist status for as long as you have the card. Discoverist status gets you the following perks:

  • A Preferred Room within the category booked
  • A 10% points bonus
  • Complimentary bottle of water
  • Free Premium Internet
  • Priority check-in
  • 2 PM late check-out


Not Impacted By The Chase 5/24 Rule – The Hyatt Credit Card is not subjected to Chase’s 5/24 rule. This means that you should be eligible for the card, even if you’ve opened more than five new credit accounts in the past 24 months.


Annual Fee – The Hyatt Credit Card has an annual fee of $75, and it is not waived for the first year. However, because of the free anniversary night mentioned above, this is a small price to pay, and the reason I continue to keep this card open. I have had no issues getting more than $75 of value out of the card each year I have had it open.


Get more information about this card and other travel rewards cards here.


Bottom Line

The Hyatt Credit Card is worth grabbing for the generous sign-up bonus of 40,000 points. It is also worth holding onto long-term for the annual free night certificate it offers. Lastly, this card should be relatively easy to get as it isn’t subjected to the Chase 5/24 rule. Because of these reasons, the Hyatt Credit Card is a no-brainer and one you should have for the long run. Get more information about this card and other travel rewards cards here.


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Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer.

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