Is the World of Hyatt card worth the annual fee?

The World of Hyatt Credit Card (see rates and fees) has many followers and comes with a modest $95 annual price, however does that imply it is value it?

That is the one private cobranded bank card providing from World of Hyatt, so when you’re loyal to the award-friendly hotel chain, you could need to take into account it.

This is a take a look at what you get from the World of Hyatt card annually so you may make up your thoughts.

New candidates for the World of Hyatt card can earn:

• Two free nights at any Class 1-4 Hyatt lodge after spending $4,000 on purchases within the first three months from account opening
• 25,000 bonus factors after spending $12,000 on purchases within the first six months from account opening

This provide ends Aug. 28.

The free nights and factors included on this bonus are value as much as $1,037 per TPG’s July 2025 valuations. Observe that that is solely the case when you attain each spending necessities and maximize the 2 free nights for 18,000 factors every at a Class 4 property.

The obvious technique to redeem Hyatt points is for lodge stays with World of Hyatt. This consists of not simply lodges with “Hyatt” within the identify, however different Hyatt manufacturers like Small Luxury Hotels of the World as nicely. Lodge redemptions can embrace free night time awards and Factors + Money funds.

You too can redeem factors for eating, spa or assembly credit, Find Experiences, rental cars and room upgrades.

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World of Hyatt makes use of a peak and off-peak award chart, that means you will pay extra factors for lodge stays across the holidays and through busy journey seasons. Conversely, when you can journey at quieter occasions, you possibly can redeem fewer factors.

Off-peak pricing at Class 1 properties begins at simply 3,500 factors per night time. Hyatt properties have eight different categories, with peak pricing at Class 8 properties topping out at 45,000 factors per night time.

You too can prime up your World of Hyatt account with 1:1 transfers from Chase Ultimate Rewards. These factors ought to transfer instantly.

Associated: Best Hyatt Category 4 hotels, according to Globalists

Annually in your cardholder anniversary, you will obtain a free night award. It may be used at Class 1-4 lodges worldwide for one free night time. It is also value declaring that you just will not pay resort charges on award stays with Hyatt.

This profit alone can justify the Hyatt card’s $95 annual price since you possibly can redeem your free night time for $200 or extra in worth with minimal effort.

Associated: The best Hyatt hotels in the world

Associated: Why I aim to spend $15K on my World of Hyatt Credit Card each year

As a cardholder, you will obtain complimentary Discoverist standing annually. That is the entry-level standing tier in World of Hyatt, however it offers solid value and perks.

It affords complimentary bottled water throughout your keep, late checkout (when out there) and most well-liked room upgrades throughout the identical room class (when out there).

Moreover, you will additionally earn 10% bonus factors on money stays (5.5 as a substitute of 5 factors per greenback spent).

Incomes Discoverist standing usually requires staying at Hyatt properties for at least 10 nights per yr. Hyatt loyalists can probably attain Discoverist standing on their very own annually, however those that journey sometimes or should not loyal to 1 model will not be in a position to take action. That may make this card’s complimentary Discoverist standing very interesting.

With the non-public World of Hyatt card, you will earn two tier-qualifying night time credit towards standing for every $5,000 spent on the cardboard. Thus, spending the $15,000 on purchases to unlock the free night time award (detailed above) would additionally yield a further six tier-qualifying nights. There isn’t a restrict to the variety of tier-qualifying nights earned via bank card spending.

Associated: World of Hyatt card vs. World of Hyatt Business card

Different cardmember perks

Along with the above, you will take pleasure in a number of journey protections, together with:

You will earn World of Hyatt factors on every buy together with your card. At Hyatt lodges, you will earn 4 factors per greenback, and that is on prime of the factors you will earn by being part of Hyatt’s loyalty program.

You will earn 2 factors per greenback spent at eating places and on commuting, health membership and health club memberships, flights bought instantly from airways and transit; and 1 level per greenback spent on different purchases.

These charges symbolize a 6.8%, 3.4% and 1.7% return on spending, respectively, based mostly on TPG’s July 2025 valuations.

You are able to do significantly better than a 1.7% return on on a regular basis spending with different bank cards, however it’s value contemplating how these purchases might be extra invaluable when serving to you earn a bonus Class 1-4 free night time award and tier-qualifying nights towards standing annually.

Associated: Which credit card should you use for Hyatt stays?

Should you can maximize these advantages, the annual price is well value it annually. If not, one other card — maybe one that offers straightforward cash back — could also be higher suited to your pockets.

To be taught extra, see our full review of the World of Hyatt card.

Apply right here: World of Hyatt Credit Card