When it comes to earning points, Hyatt offers loyal travelers a unique advantage over other major hotel chains.
Unlike other large hotel brands such as Hilton, Marriott and IHG, which have transfer partnerships with shows like Chase Ultimate Rewards and American Express membership rewards, Hyatt is the only program that usually proposes reliable transfer value.
Given how popular the world of Hyatt Program is, many people want to know if it’s better to earn chasing the ultimate reward points, with the aim of transferring it to Hyatt The World of Hyatt Credit Cards (See rates and fees).
The World of Hyatt Credit Cards
Hyatt World offers two Chase shared-brand credit cards: The World of Hyatt Credit Cards and The World of Hyatt Business Credit Cards (See rates and fees).
Let’s review some key details about personal cards.
- Welcome offer: Spend $4,000 in purchases in the first three months of opening an account, earning two free nights. In addition, $12,000 was spent in the first six months of opening an account, earning 25,000 bonus points. Overall, the welcome offer is $1,037, based on TPG’s July 2025 valuation.
- Annual fee: $95.
- Income rate: Earn 4 points per dollar at Hyatt Hotel; 2 points per dollar on tickets directly purchased with airlines, restaurants, local transportation and commuters (including rides) and fitness club/gym membership; 2 points per dollar spent on all other purchases.
- Famous card benefits: Get free night certificates in free categories 1-4 in your account anniversary and free Hyatt Discoverer identity and earn five elite night points each year and get two additional funding format nights for every $5,000 spent on your card.
For more details, read our full review of Hyatt Credit Cards and Hyatt Business Credit Card World.
Earn potential and redemption
Let’s start with a clear disadvantage and just stick to it The World of Hyatt Credit Cards: You are waived access to all other transfer partners of Chase, including United Airlines, British Airways and Singapore Airlines.
The flexibility of these programs drives most of the value of Chase Ultimate Rewards points, which is why TPG’s July 2025 valuation valued them at 2.05 cents, while Hyatt’s valuation was only 1.7 cents.
Daily Newsletter
Reward your inbox with TPG Daily Newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG experts
Unless you just stick to traveling, you will need a way to get to any Hyatt Regency you stay, and Chase Ultimate Rewards points are one of the best options to get you there.
Such as Chase SapphireReserve® (See Interest Rates and Fees) When you redeem points through ChaseTravel℠, it has a maximum redemption rate of 2 cents and has new points enhancements.
On the other hand, Hyatt Point can only be redeemed for accommodation and upgrades at Hyatt Hotels.
Now let’s turn our attention to the bonus category, welcome offers, and see how the world of Hyatt Cards is against the three most popular ultimate reward cards:
| card | Chatong Sapphire Reserve | Chase SapphirePreferred® Card (see Rates and Fees) | Ink BusinessPreferred® Credit Card (see Rates and Fees) | The World of Hyatt Credit Cards |
|---|---|---|---|---|
| Annual fee | $795 | $95 | $95 | $95 |
| Welcome offer | In the first three months of opening, after purchasing $5,000, earned 100,000 bonus points, plus a $500 Chase travel credit.
It is important to note that the $500 Chase Travel Credit Terms Status: Promotional credit is only valid for one-time use, and if you apply promotional credit to transactions less than $500, you will lose your remaining balance. |
Earn 75,000 bonus points after purchasing $5,000 in the first three months of opening an account. | Earn 90,000 bonus points after spending $8,000 on qualified purchases in the first three months of opening an account. | Spend $4,000 in purchases in the first three months of account opening and earning two free nights. In addition, $12,000 was spent in the first six months of opening an account, earning 25,000 bonus points. |
| Income rate |
Purchase eligibility for purchases that receive annual travel credits of $300 will not earn points |
|
|
|
At this point, you have to carefully study your spending pattern to see which card appears. Of course, the world of Hyatt Cards earns the highest points for Hyatt purchases, but if you book rewards frequently, the bonus in this category may not be of much help to you.
Also, earning more points isn’t always the most important thing, as the Hyatt Point is more flexible (and therefore less valuable) than the Chase Ultimate Rewards Point.
If you are trying to make a decision between Chase Sapphire Reserve and Hyatt Card World, the Sapphire Reserve has a clear advantage in direct booking of air tickets and catering purchases.
However, these cards have the same revenue rate on purchasing Hyatt Hotels, but the points earned on sapphire reserves are slightly more valuable. Hyatt’s Relief Grace is a unique bonus category for fitness club and gym membership.
Related: Chase Trifecta’s Power: Sapphire Reserve, Ink Preferred and Freedom Unlimited
Balanced allowance and annual fee
Of course, the welcome bonus and bonus categories are just one component of choosing the right credit card. Finding the most benefits with the lowest annual fee is another important consideration.
this The World of Hyatt Cards Free night certificates are available every year on your account anniversary, which are valid at any Class 1-4 hotels. If you schedule these redemption timings, like Category 4 Thompson Washington, D.C., you can really get great value for it, at nearly $600 per night during peak seasons.
You will also enjoy free Hyatt Discoverer status, which adds hundreds of dollars in value to your annual trip with privileges like delayed checkout and reward points. However, the privileges of this card are limited to Hyatt Regency.
If you want a card that can enhance your trip to the airport, hotels, when you rent a car, etc., you’ll want a card like Chase Sapphire Reserve or Sapphire Preferred.
For example, even occasional travelers will get more value from reserve priority membership and concierge services rather than from the world of Hyatt Discovery Identity at Hyatt Cards.
Plus, you can even use the annual travel credit of the Sapphire Reserve $300 to pay for the Hyatt Regency.
Related: How many points do you need to break the Chase Sapphire Reserve?
Obtaining more than 1 card
Ultimately, many Hyatt loyalists have the potential to hold a chase sapphire card (or both) and The World of Hyatt Cards To get the best of both worlds. The biggest caveat is that all cards mentioned in this post are subject to Chase’s 5/24 rules, which means that if you have opened five or more cards in the last 24 months, you will automatically reject it.
Explain the opportunity cost of using 5/24 slots on these applications. It is also important to note that Chase’s new sapphire card welcome bonus eligibility rules no longer allow one every 48 months.
However, if you are close to 5/24 and only get one card, I recommend going on the Sapphire route as it provides more flexibility, especially if you are not a big Hyatt and want other hotel transfer options.
Bottom line
Commonly branded airline and hotel cards are hard to offer better returns and more benefits than transferable points cards, but there is a compelling case The World of Hyatt Cards. At least, a free night certificate is enough to negate the annual fee. Also, if you often find yourself paying for Hyatt Hotels, the 4 points you spend will increase quickly.
If you prefer the flexibility in how to redeem points, consider a final rewards chase card that can take advantage of several transfer partners. If you want the best world somewhere in the middle, you can also apply for the world of Hyatt Card and Final Reward Earn Card – Just make sure you follow Chase’s 5/24 rules when applying.
Apply here: The World of Hyatt Credit Cards
Apply here: The World of Hyatt Business Credit Cards
Apply here: Chatong Sapphire Reserve
Apply here: Chase Sapphire’s first choice
Apply here: Ink business priority
Related: How to calculate 5/24 station
