Worth $75? Hyatt Credit Card review & benefits


40,000 point intro offer. Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening. This doesn’t sound super exciting on the surface, but Hyatt points are really valuable. Most Hyatt hotels cost 20,000 points or less per night, so this gets you 2 or more nights at many Hyatt hotels, and in fact up to 8 nights if you stick to bargain Category 1 hotels.

A good reward program under the hood. If you like Hyatt hotels, you’re in luck with a strong reward program. It takes a lot fewer points to book free nights at most Hyatt hotels than it does at bigger chains like Marriott, Hilton, and IHG. Which is nice given the better quality of most Hyatt properties.


$75 annual fee. It’s not steep by most standards, and is waived the first year, but still annoying.

Limited anniversary free night. You do get a free night certificate each year you renew your card. But it’s only good for ‘Category 1-4’ hotels, which are not often hotels in the big cities and popular destinations you may want to visit. You can see lists of hotels in each category here.


Overall Rating
4.4/5 Stars   
Key Features


This is one you’re really going to want for the sign on deal of free nights upfront. But after that, you’re going to have to value some of these benefits to really want to keep the card:

Hyatt Discoverist Status. Normally you have to stay 10 nights a year to qualify for Discoverist status. But it’s yours as long as you hold the card, no matter how many or few times you stay each year. The status gets you free Premium wifi at Hyatt hotels, select room upgrades, 2pm late check-out, and expedited check-in.

You also get a faster track to mid tier Explorist status. Hyatt Credit Cardmembers who spend $50,000 USD on their Hyatt Credit Card in each calendar year will receive Explorist status through the following calendar year, which earns better room upgrades, but not suite or club level rooms. Explorist members do get 4 club lounge level access passes each year. Travel and dining bonuses. You get 3x points on all Hyatt property spending and 2x on restaurants, airline tickets purchased directly from airlines, and car rental agencies. Those are nice bonuses which make this one of the faster cards for earning Hyatt points, though there are other options we discuss below.

$500 trip delay coverage. If your flight is delayed 12 hours or more, and you paid for the flight with your Hyatt credit card, you’re eligible for up to $500 in reimbursement for lodging, dining, and other necessary expenses. That’s a great help since the airlines often won’t do anything for you when you’re delayed, especially if it’s because of weather.

$5,000 trip cancellation coverage. If you can’t make a nonrefundable trip that involves common carrier transportation that you booked with your Hyatt card, you can get it reimbursed. As long as it’s a valid covered reason like a serious illness or severe weather, you can avoid having to buy a separate trip cancellation insurance policy. Up to $5,000 can be covered for a single trip.

Primary auto collision damage coverage. Unlike a lot of cards that require you to file a claim with your own insurance when you damage your rental car, the Chase Hyatt Visa doesn’t require that as it offers primary coverage. Even better, rentals in any country are covered.


Chase Sapphire Preferred® Card

Miles dont expireas long as card is open
Learn more

Partner Offer

50,000 bonus points

Intro Offer

$0 introductory annual fee the first year, then $95

Annual Fee


Foreign Transaction Fee Waived

Yes - transfer to United MileagePlus, Southwest Rapid Rewards, Marriott Rewards, and more

Points Can Transfer to Airline Miles ?

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3 thoughts on Worth $75? Hyatt Credit Card review & benefits

  1. Frank Stallone

    Would I be able to redeem my two free Hyatt nights for two free Hyatt suites? If not, do they discount the price of the suites so that I’d only have to pay the difference?


      @Frank Stallone – You’d have to redeem them for a regular room. The hotel itself might have some sort of ‘buy up’ program after you book, so might be worth a call to the hotel. And even when you check in they might have some sort of offer, as hotels are always looking to upsell.


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