For travelers who love staying at Hyatt properties, the World of Hyatt Credit Card is the ultimate tool for unlocking free nights and premium benefits. With a low annual fee of just $95, this card offers exceptional value, from automatic elite status to annual free night certificates that can easily offset the cost of the card. Plus, you will earn generous points on both Hyatt stays and everyday purchases, making it simple to rack up rewards.

Whether you are planning a luxury escape or just want to maximize your travel budget, this card opens the door to exclusive perks, unbeatable travel protections, and the chance to enjoy memorable stays at Hyatt hotels worldwide — all while saving money along the way.

World Of Hyatt Credit Card Welcome Offer

Credit. Hyatt. Hyatt Regency Paris Etoile (France).

The World of Hyatt Credit Card is currently offering one of the most impressive welcome bonuses in recent years. New cardholders can earn 5 Free Night Awards (worth up to 90,000 points), redeemable at any Category 1-4 Hyatt property after spending $4,000 in the first three months. This limited-time offer is an incredible opportunity, as it allows you to stay at top-rated hotels and resorts that could otherwise cost hundreds of dollars per night.

These 5 free nights are a rare deal and can easily provide more value than traditional points-based bonuses. On top of that, you will still enjoy the ongoing card benefits of an annual free night certificate after your card anniversary and an additional free night after spending $15,000 in a calendar year.

Potential Restrictions

Before jumping on this incredible offer, it is important to note a few potential restrictions that could affect your eligibility:

• This card is subject to the infamous Chase 5/24 Rule; and
• You will not be eligible for the welcome offer if you have earned a welcome offer on a World of Hyatt Credit Card within the past 24 months.

How To Earn Points With The World Of Hyatt Credit Card

Credit. Hyatt. Andaz Papagayo (Costa Rica).

The World of Hyatt Credit Card offers a strong earning structure, making it easy to accumulate points for free nights and upgrades:

• 9X total points at Hyatt hotels:
  • 4X points with the World of Hyatt Credit Card; plus
  • 5X points as a World of Hyatt member
• 2X points on Dining
• 2X points on Airfare
• 2X points on Local Transit (including Rideshares)
• 2X points on Gym Memberships
• 1X points on All Other purchases

This makes the card particularly valuable for frequent Hyatt guests, as 4 points per dollar on Hyatt stays is one of the best rates available for hotel purchases. Additionally, earning double points on categories like Dining and Travel ensures you can build up your points balance even when you are not staying at a Hyatt property.

Why This Matters

Maximizing how you earn points is key to unlocking more value from the World of Hyatt Credit Card. With generous earning rates on both Hyatt stays and everyday categories like Dining and Travel, you can quickly accumulate points that lead to free nights and valuable perks. By using the card strategically for your regular spending, you are essentially fast-tracking your way to free hotel stays and elite status, all without needing to drastically change your spending habits.

Related: The Best Ways To Earn World Of Hyatt Points

Additional Benefits And Perks Of The World Of Hyatt Credit Card

Credit. Hyatt. Park Hyatt Zanzibar (Tanzania).

The World of Hyatt Credit Card comes with a host of valuable perks that enhance your travel experience and make the card well worth the $95 annual fee.

Benefits and Perks

Here are some of the additional benefits and perks of the World of Hyatt Credit Card:

• Annual Free Night. You will receive a free night certificate for use at any Category 1-4 Hyatt property every year after your account anniversary. Plus, earn a second free night after spending $15,000 in a calendar year.
• Discoverist Status. Enjoy Discoverist status, which offers perks like late checkout, preferred rooms, and premium internet access. The late checkout can be a lifesaver, especially if you have a late flight and want to relax before heading to the airport.
• Elite Night Credits. Receive 5 elite night credits every year just for holding the card, plus 2 additional credits for every $5,000 spent. This can help you climb toward higher-tier elite status, such as Hyatt Globalist, where the rewards become even more valuable.

Travel And Purchase Protection

The World of Hyatt Credit Card also comes with a range of protections that can save you money and offer peace of mind while traveling or making purchases:

• Baggage Delay Insurance. Reimbursement of up to $100 per day for 5 days if your luggage is delayed by over 6 hours.
• Lost Luggage Reimbursement. Coverage of up to $3,000 per passenger if your checked or carry-on luggage is lost or damaged.
• Trip Cancellation/Interruption Insurance. Reimbursement of up to $5,000 per person ($10,000 per trip) for nonrefundable expenses if your trip is canceled or interrupted due to covered reasons.
• Auto Rental Collision Damage Waiver. Provides secondary coverage in the U.S. and primary coverage abroad for theft or damage to rental vehicles.

These protections, combined with the ability to earn free nights and points, make this card a powerful tool for travelers who want extra coverage without a premium annual fee.

How To Redeem Points With The World Of Hyatt Credit Card

Credit. Hyatt. Impression Moxche by Secrets (Mexico).

The best way to redeem points earned with the World of Hyatt Credit Card is for free nights at Hyatt hotels and resorts. Hyatt points are highly valuable, and redemptions start at just 3,500 points for off-peak nights at Category 1 hotels and go up to 45,000 points for peak nights at Category 8 properties.

Other redemption options include:

• Room Upgrades. Use points to upgrade your existing reservation to a Suite or a Club-Level room
• Hyatt Experiences. Redeem points for unique experiences such as FIND Experiences, dining, spa treatments, and other experiences
• Airline Transfers. Transfer points to multiple airline partners; though the 2.5:1 transfer ratio is not ideal if you are looking to maximize value

Note: Mr & Mrs Smith, Miravel, and Hyatt All-Inclusive properties have separate award redemption charts, with some nightly redemptions far exceeding the 45,000 point peak nigh Category 8 redemption.

Alternative Credit Card Options

Credit. Reward Expert. Alternatives To The World Of Hyatt Credit Card.

While the World of Hyatt Credit Card is an excellent choice for Hyatt loyalists, there are alternatives worth considering. Here are some alternatives that may better align with your spending habits or hotel loyalty requirements:

• Chase Sapphire Preferred® Card
• Hilton Honors American Express Card
• Hilton Honors American Express Surpass® Card
• Hilton Honors American Express Aspire
• Marriott Bonvoy Bold® Credit Card
• Marriott Bonvoy Boundless® Credit Card
• Marriott Bonvoy Bevy™ American Express® Card
• Marriott Bonvoy Brilliant® American Express® Card
• IHG One Rewards Traveler Credit Card
• IHG One Rewards Premier Credit Card

Related: The Best Credit Cards For Hotel Status

Final Thoughts

The World of Hyatt Credit Card is an excellent choice for anyone who stays at Hyatt properties or wants to maximize travel rewards. With its limited-time welcome offer of 5 free nights — one of the best in recent years — plus ongoing perks like annual free night certificates and elite status, the card delivers tremendous value for just a $95 annual fee. Whether you are earning points on everyday purchases or enjoying travel protections and free nights, this card easily pays for itself. For those looking to elevate their hotel stays, the World of Hyatt Credit Card is a top contender.