Credit Cards

How To Redeem Hyatt Free Nights

By David Krug David Krug is the CEO & President of Bankovia. He's a lifelong expat who has lived in the Philippines, Mexico, Thailand, and Colombia. When he's not reading about cryptocurrencies, he's researching the latest personal finance software. 6 minute read

As a hotel rewards credit card, Chase’s World of Hyatt Credit Card is a good option for frequent visitors to Hyatt Hotels & Resorts, Andaz, Hyatt Centric, and Hyatt Place, among others. The annual cost is $95 and the rewards program is appealing.

All active Hyatt credit card members are immediately registered in the World of Hyatt travel reward program and get Hyatt Discoverist status. Discoverist members enjoy various benefits, such as faster point accrual, free accommodation upgrades, and assured hotel bookings.

At any of the hundreds of Hyatt hotels or hotels run by Hyatt throughout the world, you may use your points to get a free night’s stay or an upgrade to a better room. Car rentals, spa services, restaurants, and other resort amenities at Hyatt properties may be purchased using accumulated points, and members can also exchange their points for miles on partner airlines. Points are devalued by these approaches, though.

Important Characteristics

Bonus for Signing Up

The sign-up bonus for the World of Hyatt Credit Card is split into two stages. Spend $3,000 on qualifying purchases during the first three months and receive 30,000 bonus points. Spend up to $15,000 in the first 6 months after creating your account and receive 2 extra points for every $1 spent.

Earning Hyatt Points

You may earn up to 5 basic points for $1 spent as a World of Hyatt member, plus an additional 4 bonus points per $1 spent at any Hyatt hotel or resort using this card.

Spending in restaurants, on airfare purchased straight from the airline, and on regional public transportation and commuting receives double points, up to a maximum of two points per dollar. Last but not least, it accrues 1 point for every $1 spent on anything else that qualifies.

Redeeming Hyatt Points

Your collected Hyatt points can be redeemed for free nights at any Hyatt or Hyatt-operated hotel around the globe, excluding Hyatt Vacation Club Resorts and All Inclusive resort locations (Ziva and Zilara).

In the hotel category system, a regular room redemption can cost anywhere from 5,000 to 30,000 points, with Category 1 hotels being the most affordable and Category 7 hotels being the most luxurious. Suite redemptions start at just 8,000 points for Category 1 hotels and run all the way up to 48,000 for Category 7 lodging. Redemptions for Ziva and Zilara hotels vary from 20,000 to 40,000 points each night, plus 12,500 points per guest beyond the first two. 

Depending on the size of the room or unit, Hyatt Vacation Club redemptions can cost anywhere from 12,000 to 30,000 points per night.

Points + Cash allows you to pay for a night with a combination of points and cash, starting at 2,500 points plus $50 for a Category 1 resort and going up to 15,000 points plus $300 for a Category 7 hotel. All minimum redemption amounts are subject to change at any moment.

Airline Partners Transfer

Several major airlines, such as American and Southwest, are transfer partners with Hyatt. You can often convert 5,000 Gold Passport points into 2,000 airline miles. Though this is an option, it is not suggested because hotel redemptions offer considerably more value.

Discoverist Status in the Hyatt World

Discoverist status in the World of Hyatt reward program is a perk of having the World of Hyatt Credit Card. Discoverist members receive a 10% bonus on all base points earned during their Hyatt stays, an extra two hours to check out of their accommodation (until 2:00 pm), free premium Internet access, and preferred room upgrades.

Accumulating 10 paid nights or 25,000 bonus points (points earned on stays alone) in a calendar year is required to gain Discoverist level without the World of Hyatt Credit Card.

Credits Toward Further Elite Status

Additional perks are available to loyal customers. A cardholder in good standing is entitled to five annual complimentary night credits that can be applied toward elite status. In addition, you will earn two extra qualifying night credits for every five thousand dollars spent.

Anniversary Award Ceremonies

On your cardmember anniversary, so long as your account is active, you will receive one complimentary reward night. You may use this perk toward a free night at any Category 1-4 Hyatt, except Hyatt Zilara and Ziva hotels.

An additional free reward night is yours to claim for a free night’s stay at any qualifying Category 1-4 Hyatt resort when you spend at least $15,000 in eligible purchases during your cardmember anniversary year. The calendar year that counts as your cardmember anniversary begins on the day you first used your card.

Important Fees

This service costs $95 per year. Any international money transfers will not cost you anything. The fee for a balance transfer is the greater of $5 or 5% of the amount transferred, while the fee for a cash advance is $10 or 5% of the amount borrowed.

Additional Advantages

Additional perks that cardholders can take use of include:

  • Free collision damage waiver for car rentals charged in full with the card Access to a concierge 24 hours a day, seven days a week
  • Benefits of a high-quality travel insurance policy include payment for lost or delayed bags, money back if your vacation is canceled or interrupted, and refund for some of the money you spend.

Credit Required

You need outstanding or decent credit to qualify for this card. Any major flaws in your application will probably cause you to be rejected.


  1. The Sign-Up Bonus Is Straightforward to Obtain. When used for everyday purchases, the World of Hyatt Credit Card has a significant sign-up bonus that may be quickly earned by frequent travelers.
  2. Significant Potential for Initial Benefits. The sign-up bonus for the World of Hyatt Credit Card might be pretty lucrative.
  3. Discoverer by Consciousness Alone, with Potential for Social Advancement. For as long as your World of Hyatt account is active and in good standing, you will be upgraded to Discoverist rank. You may earn points at a 10% quicker rate on hotel purchases and receive free room upgrades (where available) with that. In addition, for every $5,000 you spend, you’ll receive two additional free qualifying nights that count toward your next loyalty tier, for a total of five free qualifying nights toward your next tier.
  4. Annual Fee May Be Nullified By Free Award Night Given Annually. The first anniversary reward night is given to all active World of Hyatt Credit Card members, regardless of how much they have spent, and may be redeemed at any Category 1 through 4 Hyatt hotel. The normal accommodation rate at Category 4 facilities is usually above $200, more than covering the card’s yearly charge. Free anniversary nights are a rare perk among hotel loyalty cards, and many of their competitors don’t even come close to matching this level of generosity.
  5. There will be no additional charges for international transactions. There are no hidden costs for using your World of Hyatt credit card abroad. Since several of Hyatt’s most desired resorts (including its Zilara and Ziva properties) are located outside of the United States, this is a huge perk for cardholders who often travel internationally.


  1. Charges a yearly fee. This card has an annual charge of $95. Compared to fee-free travel cards such as the Expedia+ Card from Citi, the inability to maximize its benefits is a significant disadvantage.
  2. Airline Transfers Don’t Optimize Point Values. Rarely does transferring Hyatt points to Hyatt’s airline partners make financial sense. Typically, these transfers occur at a ratio of 5:2, indicating that you need 5,000 Hyatt points to obtain 2,000 airline points. Since airline partners demand at least 7,500 points (and frequently significantly more) to redeem for a one-way economy segment, while 5,000 Hyatt points are sufficient to receive a free night in a Category 1 hotel, it is preferable to save your
  3. Hyatt points for future travel. Consider the Chase Sapphire Preferred instead if you’re searching for a travel rewards card with substantial point transfers.

Bottom Line

For regular fliers who like to stay at Hyatt properties—and there are hundreds of them—the World of Hyatt Credit Card is a fantastic credit card. Although convenient for frequent flyers, it is less than ideal for customers who like to leave their travel redemption options open and flexible.

More flexible cards, such as the Chase Sapphire Preferred and the Capital One Venture Rewards, let you use your accumulated points for almost any kind of travel purchase, and at flat point-to-dollar values so you can rest assured you’re getting the best deal possible without wasting mental energy doing the math.

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