Chase Hyatt Credit Card
If you’re a Hyatt loyalist, you’re not going to want to miss the Chase Hyatt credit card. The rewards structure and sign-up bonus let you rack up an astonishing value in perks. Swipe this card regularly and you could earn a sign-up bonus worth at least $1,000 and regular rewards points worth at least $1,000. Plus, you can take simple steps to score another small bonus worth around $130, and Hyatt gives you a free night each year just for holding this card — that’s another $130 or more.
Use this card right — and enjoy the amenities of Hyatt hotels and rewards across the globe — and you’re looking at a potential value of $2,260 or more in just the first year alone!
- 4x Points on Purchases at Hyatt Hotels
- 2x Points when Eating Out, and Travelling
- 1x Points on Everything Else
- 4x Points at Hyatt Hotels
- 2x Points on Lifestyle
- 1x Points on Everything
- Limited to Hyatt Hotels
Recommended Credit Profile
Rates & Fees
- Annual Fee$95
- Regular APR17.99% to 24.99%
- Great ForHyatt HotelsRestaurantsTravel
- Regular Purchase APR17.99% to 24.99%
- Regular Balance Transfer APR17.99% to 24.99%
- Cash Advance APR26.99%
- Balance Transfer Fee$5 or 5%
- Cash Advance Fee$10 or 5%
- Foreign Transaction Fee$0
Sign-Up Bonus Worth Multiple Hotel Nights
It’s easy to rack up rewards with the Chase Hyatt credit card, and the World of Hyatt rewards program makes it easy to put those points to work. Your first step with any travel rewards card should be to find out what the sign-up bonus is and figure out if you can hit it.
For the Chase Hyatt card, the bonus is 40,000 points.
You get to the bonus by spending $2,000 with the card within the first three months. While that might look like a big purchase amount, this is actually a relatively easy sign-up bonus to hit.
Do the math and you see that it’s only $667 in spending each month, which most people can cover by whipping out the Chase Hyatt card to cover grocery bills, dining out or fuel. It’s just $22 a day, so if you eat out once a day for lunch, you could cover the tab with this card and be all or most of the way to the sign-up bonus without even trying.
What do you get with the 40,000 points? Several free nights in a standard room in a business-class Hyatt or one or two nights in a swankier space or suit. Standard room reward redemptions start at 5,000 points, so you could get up to eight nights with your points. If you’d like to upgrade to a more luxurious hotel, you’re looking at 20,000 to 30,000 points for a room. Either way, these 40,000 points could be worth $1,000 or more.
Seek tip: You can garner another 5,000 bonus points simply by adding another authorized user to your account and making any purchase within the first three months. That’s a super simple way to get enough points for a free hotel night worth about $130.
Three Ways to Keep Earning Points and Plenty of Ways to Use Them
The free hotel nights and other perks don’t stop after you earn the sign-up bonus, either. You can earn rewards all year — every year — by spending with the Chase Hyatt card. Use it to cover travel or daily living expenses you’re already planning to spend on, and you can reap the rewards without spending extra.
Here’s how you can earn points with this card:
- Get three points for every dollar you spend directly at Hyatt resorts and hotels — that includes room charges, upgrades and hotel-based food and service charges.
- Get two points for every dollar you spend directly with participating airlines, car rental agencies and restaurants.
- Get one point for every dollar you spend on everything else.
What does all that mean for you? It means it’s easy to score rewards and get free nights in Hyatt hotels. Check out this hypothetical to understand how quickly things can add up.
- Say you spend $800 a month just on living expenses like groceries, gas, school supplies or clothes. That’s $9,600 — and 9,600 points — a year.
- Perhaps you dine out once a week and spend an average of $75 each time. That’s $3,900 a year, and you get double points on them, which is 7,800 points.
- If you’re looking into a travel rewards card, you’re probably traveling a few times a year. Let’s say you take three trips this year, spending:
- $3,000 total with airlines — double points nets you 6,000 points
- $6,000 with Hyatt hotels and resorts — triple points means 18,000 points
- $1,500 total with car rental companies — double points on that gets you another 3,000 points
You’re up to 44,400 points for the year, which is worth up to eight hotel nights or more than $1,000 in value. Plus, you would have scored the sign-up bonus with all that spending, so that brings your total value to over $2,000 potentially in free hotel nights.
Other Rewards Points Perks
If you’re not looking to score free hotel nights, you can use your Hyatt rewards on other things, including:
- Upgrades at participating resorts and hotels
- Booking or upgrading MGM resort reservations
- Covering in-hotel spa, dining and experience expenses
- Transferring to participating airline rewards programs for use on flights
- Sharing or gifting points to others
Other Perks of the Chase Hyatt Travel Rewards Card
Like all our favorite travel rewards cards, this one comes with some additional perks. First, you get a free hotel night just for being a card holder every year. You can choose from category 1 through 4 Hyatt hotels. That’s at least a value of $130.
Keeping your account open earns you Discoverist status with the World of Hyatt rewards program. That means you get complimentary late check-out, in-room premium internet and bonus points when you spend at hotels, plus a lot of other great perks.
The Chase Hyatt also comes with travel and purchase protection benefits, including:
- Baggage delay insurance
- Lost luggage reimbursement
- Trip cancellation or delay insurance
- Purchase protection
- Price protection
You can also contact the Visa Concierge service for help with travel arrangements, purchases or locating tickets to entertainment and sporting events.
What Can You Expect to Pay for All These Benefits?
We always say if you’re using a travel rewards card the right way, you aren’t really paying anything, and that’s true with the Chase Hyatt credit card.
There aren’t any foreign transaction fees, so you won’t pay extra for swiping this card outside of the United States. Many banks charge 3 to 5 percent, so using this card overseas or in Canada or Mexico potentially saves you $3 to $5 for every $100 spent.
The card does come with a $75 annual fee, but as long as you use the free hotel night you get every year you hold the card, that’s going to be at least a wash value wise (and it probably comes out more in your favor).
We definitely recommend this card for anyone who travels regularly and is a Hyatt resort and hotel enthusiast.