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Home » Hyatt credit cards complete guide: Rewards, benefits, and welcome bonuses.

Hyatt credit cards complete guide: Rewards, benefits, and welcome bonuses.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.

If you’re looking for a Hyatt credit card, Hyatt keeps things simple. Unlike Marriott and Hilton, Hyatt only offers two Hyatt credit cards. Here’s a comparison of The World of Hyatt Credit Card and the World of Hyatt Business Credit Card.

The World of Hyatt Credit Card card art World of Hyatt Business Credit Card card art

Article overview

Here’s what this article covers. Click any section to jump to that section of the article.

Hyatt point earnings

The Hyatt credit cards earn Hyatt points. Both cards offer 4x points on Hyatt stays and 2x in bonus categories. The personal card offers fixed bonus categories, while the business card offers more points in categories where you spend the most.

The World of Hyatt Credit CardWorld of Hyatt Business Credit Card
The World of Hyatt Credit Card card art
Annual fee: $95
World of Hyatt Business Credit Card card art
Annual fee: $199
Hyatt stays4x4x
Airline tickets
Purchased directly with airlines
2x(Up to 2x)
Dining2x(Up to 2x)
Gym memberships2x2x
Local transit and commuting2x(Up to 2x)
Top three categories each quarter
Eligible categories include:
Dining
Shipping
Airline tickets when purchased directly with the airline
Local transit & commuting
Social media & search engine advertising
Car rental agencies
Gas stations
Internet, cable & phone services

Beginning 12/31/24, this changes to the top 2 categories each quarter
2x
Other purchases1x1x
World of Hyatt point earnings on Hyatt credit cards

Hyatt credit card hotel benefits compared

Here’s how the Hyatt credit cards compare on benefits related to stays at Hyatt-branded hotels.

The World of Hyatt Credit CardWorld of Hyatt Business Credit Card
The World of Hyatt Credit Card card art
Annual fee: $95
World of Hyatt Business Credit Card card art
Annual fee: $199
Earnings on Hyatt stays4x4x
Complimentary elite statusWorld of Hyatt Discoverist statusWorld of Hyatt Discoverist status for you and up to 5 employees
Free nightCategory 1-4 certificate
Granted each year after your cardmember anniversary

Earn a second free night after spending $15,000 on the card in a calendar year.
Hyatt statement creditsUp to $100 each year.

Spend $50 or more at any Hyatt property and earn a $50 credit up to two times each cardmember anniversary year.
Tier-qualifying nights5 tier qualifying nights
Earn tier qualifying nightsEarn 2 tier-qualifying night credits for each $5,000 spent on the card.Earn 5 tier-qualifying nights credits for each $10,000 spent on the card.
Point rebateSpend $50,000 in a calendar year and receive 10% of the points you redeem back for the rest of the year on up to 200,000 points redeemed.
Hyatt Leverage membershipSave 15% off standard rates at participating Hyatt hotels worldwide.
World of Hyatt benefits for Hyatt stays

World of Hyatt credit card travel benefits compared

The World of Hyatt Credit CardWorld of Hyatt Business Credit Card
The World of Hyatt Credit Card card art
Annual fee: $95
World of Hyatt Business Credit Card card art
Annual fee: $199
Baggage delay insuranceYes

Up to $100/day for 5 days for delays over 6 hours.
Lost luggage reimbursementYes

Up to $3,000 per passenger.
Trip delay reimbursementYes

Up to $500 per ticket for 12-hour or overnight delays.
Trip cancellation/interruption insuranceYesYes
Auto rental collision damage waiverYes

Secondary in the U.S.
Yes

Primary when renting for business purposes.
Travel accident insuranceYes

Common carrier and 24-hour travel accident insurance.
World of Hyatt credit card travel benefits

World of Hyatt credit card other benefits compared

The World of Hyatt Credit CardWorld of Hyatt Business Credit Card
The World of Hyatt Credit Card card art
Annual fee: $95
World of Hyatt Business Credit Card card art
Annual fee: $199
Purchase protectionYes

120 days, up to $500 per claim and $50,000 per account.
Yes

120 days, up to $10,000 per claim and $50,000 per account.
Extended warranty
One additional year, on eligible warranties of 3 years or less.
YesYes
Other credit card benefits of Hyatt credit cards

Current World of Hyatt credit card welcome bonuses

Here are the current welcome offers on World of Hyatt credit cards offered in partnership with Chase.

Hyatt Credit CardWelcome BonusFull Welcome Bonus
The World of Hyatt Credit Card card art
The World of Hyatt Credit Card
Annual fee: $99
bonus_milesbonus_miles_full

Jump to this welcome bonus.
World of Hyatt Business Credit Card card art
World of Hyatt Business Credit Card
Annual fee: $199
bonus_milesbonus_miles_full

Jump to this welcome bonus.

A better welcome bonus may be available through referral links.
World of Hyatt credit card welcome bonuses

More details about the Hyatt Honors credit card welcome bonuses

The World of Hyatt Credit Card welcome bonus

The World of Hyatt Credit Card welcome bonus:

bonus_miles_full

Click here to learn more and apply.

Our take on the welcome bonus: We really like Hyatt points—they are some of the most valuable hotel points you can earn. But we don’t like how the World of Hyatt Credit Card structures its welcome bonus. A large part of the bonus is earned as an effective 3x rewards on the first $15,000 of spending on the card.

The link above is a link directly to the bank’s website. We don’t make money when you use the above link, but we always show you the best offer.

The World of Hyatt Credit Card card art

The World of Hyatt Credit Card at a glance:
Annual fee: $95
Rewards: 4x Hyatt stays, 2x airline tickets, dining, gym memberships and local transit and commuting. 1x other purchases.
Benefits: Category 1-4 free night certificate. Discoverist status. Earn 2 tier-qualifying nights for every $5,000 spent.

World of Hyatt Business Credit Card welcome bonus

card_name welcome bonus:

A better welcome bonus may be available through referral links.

bonus_miles_full

Click here to learn more and apply.

This is the standard welcome bonus on this card. We like this bonus over the welcome bonus on the personal card because you get all of the bonus points up front.

The link above is our affiliate link. We always show you the best offer, and this is the best public offer we know about on this card.

World of Hyatt Business Credit Card card art

World of Hyatt Business Credit Card at a glance:
Annual fee: $199
Rewards: 4x Hyatt stays. 2x on your top three select categories each quarter. 2x on gym memberships. 1x other purchases.
Benefits: Discoverist status for you and up to 5 employees. Up to $100 Hyatt statement credits (2 x $50) each year. Earn 5 tier-qualifying nights for every $10,000 spent.

Advertiser disclosure: Cards and Points has partnered with CardRatings for our coverage of credit card products. Cards and Points and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on this site are from advertisers. Compensation may affect how and where card products appear on the site. The site does not include all card companies or all available offers. Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities. Terms apply to all credit card benefits.