The Hyatt Credit Card

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  • Earn 2 free nights at any Hyatt hotel or resort worldwide after you make $2,000 on purchases in the first 3 months after account opening
  • Receive a free night award every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember
  • 3 Bonus Points for every $1 spend at Hyatt hotels and resorts 
  • 2 Bonus Points for every $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies
  • 1 point for every $1 spent on purchases anywhere else you use your card
  • Keep all the points you earn – your points do not expire as long as your Hyatt Credit Card account is open
  • As a Hyatt Cardmember, you’ll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open
Annual Fee:
$75
Purchase Intro APR:
N/A
Purchase Regular APR:
16.74% - 23.74%*
Variable
Balance Transfer Intro APR:
N/A
Balance Transfer Regular APR:
16.74% - 23.74%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 25.74%* Variable
Cash Advance Fee 5%, Min: $10
Late Fee See Terms*
Penalty APR None
Balance Transfer Fee 5%, Min: $5
Foreign Transaction Fee $0
Return Payment Fee See Terms*

Rewards

All Purchases

1 point per dollar

No cap on spending

Restaurants

2 points per dollar

2 Bonus Points for every $1 spent at restaurants

Airfare

2 points per dollar

2 Bonus Points for every $1 spent on airlines tickets purchased directly from the airlines


Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
MechAZ
More benefits than what meets the eye!
by MechAZ
Helpful to 25 out of 27

I'm generally not a fan of cards that have an annual fee, but I decided to go for this one after some careful thought and consideration. The sign-up bonus was pretty significant and the card is through Chase, whom I've never had a problem with in any regard. Approval was instant for me with the following stats:

* Chase cardmember since 2006

* No late payments or any derogatory remarks from Chase or any other creditor.

* 775 CK Score, 780 Experian FICO (Did research and found this is the report they pull for my state, so I checked on the FICO before applying.)

 

The initial sign-up bonus I received was the standard 2-free nights at ANY Hyatt on the planet after $1,000 spend in the first 90 days, no annual fee the first year, and a $50 statement credit after the first purchase (tip: the statement credit is offered if you click on the offer through Hyatt's website while making a reservation.)

The two free nights is kind of a big deal. There are no restrictions and it can literally be used at any Hyatt, regardless of the hotel's category level--even at the most expensive Hyatt properties. That in itself could be worth several thousand dollars if used right. 

As for the $75 annual fee, I understand that some people aren't a fan and I can't say I blame them as I generally avoid those types of cards as well. But if you look at the benefits, it more than pays for itself with the free night stay you receive each year plus the other perks. 

 

The Main Benefits

  1. 2 Free nights at any Hyatt on signing up and meeting the spend requirement - huge value!
  2. Free night every year on your account's anniversary
  3. Hyatt Gold Passport Platinum status for as long as you have the card
  4. 3x points at any Hyatt, 2x at restaurants and gas stations, 1x everything else
  5. Chip enabled & no international transaction fee (for those who leave the country)

Platinum status has it's own benefits. Skip the check-in line, free internet at Hyatt, late checkouts, automatic room upgrades, and whatever else they are offering. Platinum normally requires that you stay in a Hyatt property at least a certain number of nights, but you receive this status automatically for being a card member and it never expires (as long as you stay a card member.)

If you ever like to visit Las Vegas, then this card is going to have a load of additional benefits for you that aren't really advertised, but exist. Being a platinum member unlocks several of these, which, as we discussed is included with the card membership.

If you stay at any of the MGM properties in Vegas (Bellagio, Aria, Monte Carlo, Luxor, Excalibur, MGM Grand, etc) then you will earn Hyatt Gold Passport points in addition to MLife points at the rate of 5x per $1 spent, plus the 15% bonus for being a platinum member. Additionally, you can also use your Hyatt points to book free nights at any MGM property in Vegas as well, and can also earn MLife tier credits when staying at Hyatt hotels. 

Probably the best perk for occasional Vegas-goers that have this card is the MLife Tier upgrade you receive. For being a Hyatt Platinum member, you automatically become upgraded to "Gold" level in MLife's players club. Besides the point boost in the casinos, you also get to skip lines for check-in/check-out, buffets, discounts, priority reservations and other upgrades.

To top it all off, this card is a Visa Signature Card. If you aren't familiar with all the hidden benefits (free concierge, lost luggage insurance, etc) then you should look into that on Visa's website. 

All in all, this card is excellent for anyone who travels at least once a year, and Hyatt is an excellent hotel choice (and any MGM property for the Vegas-goers.) The benefits seem to more than pay for the annual fee, and Chase is always a good bank to deal with when it comes to credit products.

If you don't really travel, never stay at a Hyatt or never go to Vegas, then you're going to be better off with another card. If you do any of the above three, however, this card is an excellent choice and I'd highly recommend it!

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Review
MechAZ
More benefits than what meets the eye!
by MechAZ
Helpful to 25 out of 27

I'm generally not a fan of cards that have an annual fee, but I decided to go for this one after some careful thought and consideration. The sign-up bonus was pretty significant and the card is through Chase, whom I've never had a problem with in any regard. Approval was instant for me with the following stats:

* Chase cardmember since 2006

* No late payments or any derogatory remarks from Chase or any other creditor.

* 775 CK Score, 780 Experian FICO (Did research and found this is the report they pull for my state, so I checked on the FICO before applying.)

 

The initial sign-up bonus I received was the standard 2-free nights at ANY Hyatt on the planet after $1,000 spend in the first 90 days, no annual fee the first year, and a $50 statement credit after the first purchase (tip: the statement credit is offered if you click on the offer through Hyatt's website while making a reservation.)

The two free nights is kind of a big deal. There are no restrictions and it can literally be used at any Hyatt, regardless of the hotel's category level--even at the most expensive Hyatt properties. That in itself could be worth several thousand dollars if used right. 

As for the $75 annual fee, I understand that some people aren't a fan and I can't say I blame them as I generally avoid those types of cards as well. But if you look at the benefits, it more than pays for itself with the free night stay you receive each year plus the other perks. 

 

The Main Benefits

  1. 2 Free nights at any Hyatt on signing up and meeting the spend requirement - huge value!
  2. Free night every year on your account's anniversary
  3. Hyatt Gold Passport Platinum status for as long as you have the card
  4. 3x points at any Hyatt, 2x at restaurants and gas stations, 1x everything else
  5. Chip enabled & no international transaction fee (for those who leave the country)

Platinum status has it's own benefits. Skip the check-in line, free internet at Hyatt, late checkouts, automatic room upgrades, and whatever else they are offering. Platinum normally requires that you stay in a Hyatt property at least a certain number of nights, but you receive this status automatically for being a card member and it never expires (as long as you stay a card member.)

If you ever like to visit Las Vegas, then this card is going to have a load of additional benefits for you that aren't really advertised, but exist. Being a platinum member unlocks several of these, which, as we discussed is included with the card membership.

If you stay at any of the MGM properties in Vegas (Bellagio, Aria, Monte Carlo, Luxor, Excalibur, MGM Grand, etc) then you will earn Hyatt Gold Passport points in addition to MLife points at the rate of 5x per $1 spent, plus the 15% bonus for being a platinum member. Additionally, you can also use your Hyatt points to book free nights at any MGM property in Vegas as well, and can also earn MLife tier credits when staying at Hyatt hotels. 

Probably the best perk for occasional Vegas-goers that have this card is the MLife Tier upgrade you receive. For being a Hyatt Platinum member, you automatically become upgraded to "Gold" level in MLife's players club. Besides the point boost in the casinos, you also get to skip lines for check-in/check-out, buffets, discounts, priority reservations and other upgrades.

To top it all off, this card is a Visa Signature Card. If you aren't familiar with all the hidden benefits (free concierge, lost luggage insurance, etc) then you should look into that on Visa's website. 

All in all, this card is excellent for anyone who travels at least once a year, and Hyatt is an excellent hotel choice (and any MGM property for the Vegas-goers.) The benefits seem to more than pay for the annual fee, and Chase is always a good bank to deal with when it comes to credit products.

If you don't really travel, never stay at a Hyatt or never go to Vegas, then you're going to be better off with another card. If you do any of the above three, however, this card is an excellent choice and I'd highly recommend it!


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‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2016 through March 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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