World of Hyatt Credit Card

The World of Hyatt is the best mid-tier hotel cobrand on the market for people who actually use hotels: the 4x at Hyatt sits on top of the program's 5x base for 9x total, the free-night anniversary covers most Hyatt categories, and the $15k spend threshold for a bonus night is reachable for anyone running a small business on the card. Hyatt's loyalty program is the strongest in mid-luxury hotels, and its points consistently redeem at roughly 1.7 to 2 cents each, well above the industry average.

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Annual fee

$95

$7.92/mo equivalent
Welcome offer

60,000 points

≈$1,020 at our valuation
after $3,000 in 6 months
Recommended credit

700-790

Median 740. See why →

Earning rates

on World of Hyatt

4x

Hotels Resorts

Hyatt portfolio only
2x

Airfare

Direct with airline
2x

Dining
2x

Fitness
2x

Transit
1x

Everything else

Benefits and credits

Travel credits and perks

1 Free Night Award (Anniversary)
5 Tier-Qualifying Night Credits
Bonus Free Night After $15k Spend
Roadside Dispatch
Travel and Emergency Assistance Services

Purchase and protection benefits

Extended Warranty Protection

Up to $10,000
Purchase Protection

Up to $500 · 90d

Elite status conferred

world of hyatt

Discoverist

Travel and purchase coverage

Baggage delay

$500

Delay threshold 6h

Secondary coverage
Lost luggage

$3,000

Secondary coverage
Rental car collision damage waiver

$60,000

Secondary coverage
Travel accident insurance

$500,000

Secondary coverage
Trip cancellation and interruption

$5,000

Per trip $10,000

Secondary coverage

Pricing and fees

Full Pricing and Terms

Purchase APR: 19.24% to 27.74%
Foreign tx: None
Penalty APR (cap): 29.99%
Balance transfer: 19.24% to 27.74%; Fee $5 or 5.00%, whichever is greater
Cash advance: 28.49%; Fee $10 or 5.00%, whichever is greater
Late / returned: $40 · $40

Eligibility and application

Card type

Unsecured personal card
Pre-qualification

Not disclosed
Application inquiry

Hard credit inquiry on submission
Approval bureau

Not disclosed by issuer
Authorized user fee

Free
Reports AU to bureaus

Conditional

Reports adult AU activity to all three bureaus; does not report minors (under 18).
Issuer policy

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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Sources

Data current as of May 14, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.