Unlocking Hyatt Perks: A Deep Dive into Hyatt’s Credit Cards

Updated Aug 1, 2025
Chase WOH credit cards

World of Hyatt overview

World of Hyatt is a standout hotel loyalty program that offers exceptional value through reasonable redemption rates, tiered elite perks, and a wide range of redemption options, like free nights and exclusive experiences.

Members earn points by staying at Hyatt properties, using cobranded credit cards and participating in non-hotel activities like FIND experiences. Chase Ultimate Rewards and Bilt Rewards points can also be transferred to Hyatt.

The program’s three elite tiers — Discoverist, Explorist and Globalist — reward frequent travelers with benefits like room upgrades, late checkouts and club lounge access.

Today, we’ll look at Hyatt’s two credit cards — both offered through Chase: The World of Hyatt Credit Card and the World of Hyatt Business Credit Card.

Why we love the World of Hyatt Credit Card

The World of Hyatt Credit Card provides substantial value for Hyatt enthusiasts through its well-rounded suite of benefits. It’s easy to justify the $95 annual fee even if you don’t travel too much. As a cardholder, you receive automatic Discoverist status if you keep the card open. This includes perks such as preferred room upgrades and late checkouts.

The card also has an annual free night certificate redeemable at Category 1-4 properties. Additionally, the card enables users to earn elite night credits through spending, accelerating progress toward higher tiers of Hyatt loyalty status.

The annual free night certificate is especially valuable, as it can be redeemed for stays at properties where nightly rates often exceed $400. Among cobranded hotel credit cards, this one stands out for its flexibility, benefits and overall utility.

What you need to know about the World of Hyatt Credit Card

Who should get the World of Hyatt Credit Card?

If you can use the Category 1-4 annual certificate, you can almost always get your money back on the card’s annual fee as most Category 1-4 Hyatt hotels cost over $100 per night. Savvy travelers who spend in the bonus categories can further maximize this card’s earning structure.

Check our full review here.

What you need to know about the World of Hyatt Business Credit card 

The World of Hyatt Business Credit Card is tailored for small business owners who frequently stay at Hyatt properties. It offers flexible earning categories and unique benefits designed to reward business spending.

Who should get the World of Hyatt Business Credit card?

The World of Hyatt Business Credit Card is best suited for small business owners who frequently stay at Hyatt properties and can maximize the flexible earning categories. It’s best for businesses looking to earn elite status and points through spending.

Bottom line

The World of Hyatt Credit Card and World of Hyatt Business Credit Card offer substantial value for Hyatt loyalists.

The personal card provides excellent benefits for travelers seeking elite status and free nights. In contrast, the business card caters to business owners looking to maximize rewards when spending at Hyatt properties.

Choose based on your travel patterns and whether you want a personal or business card.

FAQs – World of Hyatt Credit Cards

Marc Delaney
Marc Delaney
Marc Delaney is a bilingual (English/French) travel rewards strategist and credit card expert at Milesopedia USA. Born in the U.S. to a French-American family, Marc combines North American know-how with a deep understanding of international loyalty programs. With over a decade of experience in personal finance, he specializes in helping high-income individuals, digital nomads, and frequent flyers optimize their credit card points and travel benefits. His insights focus on maximizing value from programs like Chase Ultimate Rewards®, Amex Membership Rewards®, Aeroplan® and Flying Blue®. Marc started his career advising startups on business credit strategies and later transitioned into rewards consulting for cross-border entrepreneurs. He holds a degree in economics from the University of Vermont and has contributed to financial newsletters, webinars, and loyalty-focused communities across North America and Europe. A passionate traveler, Marc has explored more than 40 countries using points and miles to fly in premium cabins and stay in luxury hotels. When he's not analyzing credit card ecosystems, you'll find him hiking remote trails or reviewing airport lounges for Milesopedia readers.
All posts by Marc Delaney

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