How to Apply for your World of Hyatt Credit Card

The World of Hyatt Credit Card, issued through a partnership between Chase and Hyatt, is a travel rewards credit card engineered for individuals who seek value and exclusivity from their hotel stays. Designed for frequent travelers and Hyatt loyalists, this card not only offers impressive rewards when spending at Hyatt properties but also turns everyday purchases into valuable points. With benefits ranging from hotel perks to elite status upgrades, the card aims to transform ordinary spending into extraordinary experiences.

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Cardholders can expect a suite of privileges extending from free nights to elite program fast tracks. The World of Hyatt Credit Card is more than just a tool for travel—it’s a passport to upgraded hospitality, offering unparalleled benefits for those who appreciate global hotel comfort. Those considering this card should prepare for a comprehensive set of offerings reflective of one of the world’s most respected hospitality brands, wrapped in Chase’s seamless customer experience.

Advantages of the World of Hyatt Credit Card

The World of Hyatt Credit Card offers a compelling mix of advantages, making it a top choice in the hotel credit card category. Highlighted benefits include earning up to 9 points per dollar spent at Hyatt hotels, automatic Discoverist elite status, and a coveted annual free night certificate valid at Category 1-4 Hyatt properties. Everyday spending in categories like dining, airfare, fitness clubs, and even transit also earns you valuable points at accelerated rates. Additional perks such as no foreign transaction fees, statement credits, and a path to higher status tiers all help offset the $95 annual fee.

For those striving to maximize travel rewards, elite status, or simply extract more value from their hotel spending, the World of Hyatt Credit Card delivers a comprehensive rewards structure and tangible, year-round travel benefits.

Detailed list of card benefits

• 9x Points at Hyatt Hotels: Earn 4 bonus points per $1 on eligible Hyatt purchases with the card, plus the 5 base points as a World of Hyatt member for every $1 spent, for a total of up to 9 points per dollar at Hyatt properties.
• 2x Points on Everyday Spending: Earn 2 points per $1 on dining (including delivery services), airline tickets purchased directly from airlines, gym memberships, and transit expenses. All other purchases earn 1 point per $1.
• Annual Free Night Certificate: Receive a free night at any Category 1-4 Hyatt hotel each card anniversary—with the opportunity to earn a second free night by spending $15,000 in a calendar year.
• Automatic Discoverist Status: Cardholders receive complimentary Discoverist status as long as the card is open, unlocking late checkout, preferred room upgrades, premium internet, and bottled water at Hyatt stays.
• Elite Night Credits: Get 5 qualifying night credits every year, plus 2 additional night credits for every $5,000 spent on the card, making it easier to reach higher elite tiers like Explorist and Globalist.
• No Foreign Transaction Fees: Make purchases abroad without incurring additional charges, maximizing the advantage of international travel.
• Up to $100 Statement Credit: Earn up to $50 in statement credits twice a year for Hyatt purchases (terms apply).
• Reward Protection and Security: Benefit from fraud protection, purchase coverage, and access to Chase’s reliable customer service.
• Points Never Expire: As long as your account remains open, accumulated points do not expire.

World of Hyatt Rewards Program: earning and redemption

The World of Hyatt rewards program offers generous earning and flexible ways to redeem points:

• Earning: 9x points per $1 at Hyatt hotels (4x via card, 5x via membership), 2x points on select daily spend (dining, airline tickets, gyms, transit), and 1x on all else.
• Free Night Certification: One free night at a Category 1-4 property every card anniversary, plus a second if you spend $15,000 annually on the card.
• Elite Status Boost: 5 elite night credits each year, with additional credits possible for every $5,000 spent, providing a streamlined path to higher status tiers.
• Redemption: Use points for free nights, room upgrades, dining and spa experiences, or transfer them to airline partners (though this is generally not as valuable as using for Hyatt stays). No blackout dates for awarding rooms at standard rates.
• Point Expiration: Points remain active as long as the card account is open.

The program is engineered to reward both the loyal Hyatt guest and the regular credit card user, creating travel value from both hotel stays and day-to-day life.

Credit limits: initial, minimum, and maximum

Initial Credit Limit: Upon approval, the World of Hyatt Credit Card typically grants a minimum initial credit limit of $5,000. This substantial starting line classifies it as a Visa Signature product, indicative of a premium-tier card.

Minimum Credit Limit: The baseline credit limit for new cardholders is $5,000, meeting Visa Signature standards and providing ample purchasing power from the outset.

Maximum Credit Limit: While no explicit public maximum is listed, credit limits are determined based on your creditworthiness, income, and existing relationship with Chase. High credit scores and substantial income can result in significantly higher credit limit assignments, subject to further review and individual circumstances.

Requirements and prerequisites for application

To apply for the World of Hyatt Credit Card, applicants must:

• Be at least 18 years old (19 in AL and NE, 21 in Puerto Rico).
• Have a valid Social Security Number and a permanent U.S. residence address or U.S. military address.
• Possess a good to excellent credit score (typically 700+ is recommended).
• Be financially stable with verifiable income and employment, as Chase reviews credit bureau information and may verify income or employment history.
• Not currently have or have recently held another Chase card in the same Hyatt Rewards Program, due to Chase’s restrictions on duplicate cards.

Applicants must also comply with U.S. banking laws, including the USA PATRIOT Act. Completing the application accurately is essential to avoid delays or denial.

About Chase

JPMorgan Chase & Co., commonly known as Chase, is one of the most established and trusted financial institutions in the U.S. With a legacy exceeding two centuries, Chase has continually evolved by blending traditional banking with innovative digital services. The bank’s broad presence includes nearly 4,700 branches and serves over 60 million households. Chase offers a comprehensive suite of financial products, with a special focus on rewards and travel credit cards, leveraging partnerships with top-tier brands like Hyatt, United, Marriott, and Southwest.

Known for reliability, security, and customer-centric service, Chase stands at the forefront of the rewards credit card market. Its deep expertise and vast resources allow Chase to deliver valuable tools, robust mobile and online banking, and a seamless experience for cardmembers across the country. As the issuer of the World of Hyatt Credit Card, Chase merges its financial acumen with the global hospitality reputation of Hyatt, delivering a sophisticated travel rewards product for discerning consumers.

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Who is this card for?

The World of Hyatt Credit Card is ideal for:

• Frequent Travelers and Hyatt Loyalists: Those who regularly stay at Hyatt hotels and want to amplify their reward earning potential.
• Elite Status Seekers: Individuals who value late checkouts, room upgrades, and the perks of Discoverist or higher status.
• Active Spenders: Anyone who spends consistently in bonus categories like dining, airfare, or fitness, enabling rapid points accumulation.
• Consumers with Strong Credit Profiles: Applicants should have good to excellent credit and no recent Chase Hyatt Rewards card history for eligibility.

If you wish to maximize returns on both travel and everyday purchases, particularly if Hyatt is your brand of choice, this card presents standout value.

Step-by-step guide to apply for the World of Hyatt Credit Card

1. Visit the Official Application Page: Go to World of Hyatt Credit Cards
2. Click “Apply Now”: Start the application directly online.
3. Complete the Application Form: Enter your personal information—full name, address, Social Security number, income, and employment details.
4. Review Legal Disclosures: Carefully examine all terms and privacy policies.
5. Submit Your Application: Once everything is verified, submit for processing. Most applicants receive a decision within minutes, but some cases may require additional review—be ready to provide follow-up documentation or answer verification questions if needed.
6. Check Application Status: You may follow up using Chase’s online tools or support contacts as provided.
7. Card Issuance: If approved, your card is mailed promptly.

Chase and Hyatt offer easy mobile and web account management:

• Android app (link pending)
• iOS app (link pending)

Pros and cons of the World of Hyatt Credit Card

Pros:

• Exceptional earning rates at Hyatt properties (up to 9x points per $1).
• Annual free night easily offsets the annual fee; ability to earn a second free night with $15,000 annual spend.
• Automatic Discoverist status and a streamlined fast track to higher elite levels.
• No foreign transaction fees—great for international travelers.
• Ample travel protections and security error prevention.
• Points never expire while the account remains open.

Cons:

• $95 annual fee with no waiver in the first year, which may not be worthwhile for infrequent travelers.
• Bonus night certificates are limited to Category 1-4 hotels, excluding luxury properties.
• Interest rates (variable APR: 19.99%–28.49%) can be high if balances are carried.
• Annual spend required for the second free night ($15,000) may be too steep for some.
• Chase’s 5/24 rule and card family limits may restrict eligibility for some applicants.

How to sctivate the card

Once your World of Hyatt Credit Card arrives, you can activate it in several ways:

• By phone: Call the activation number provided on the sticker affixed to your card (usually 1-800-432-3117).
• Online: Log into your Chase account at chase.com and navigate to the card activation section.
• App: Use the Chase mobile app to complete activation with just a few taps.

You’ll need your card information and may be asked to verify your identity during activation. Once activated, your card is ready for use both online and in-person wherever Visa is accepted.

Fees and charges

The fee structure of the World of Hyatt Credit Card includes:

• Annual Fee: $95 (not waived in the first year).
• Variable Purchase APR: 19.99%–28.49%, based on creditworthiness and prevailing Prime Rate.
• Balance Transfer APR: 19.99%–28.49% (either $5 or 5% of amount transferred, whichever is greater).
• Cash Advance APR: 29.24% (either $10 or 5% of amount advanced, whichever is greater).
• Foreign Transaction Fee: None—an attractive benefit for international usage.
• Late Payment/Return Payment Fees: Up to $40.

These rates are subject to change; always refer to the latest Pricing and Terms at Chase Pricing & Terms for updates.

Customer service

Chase offers comprehensive support for the World of Hyatt Credit Card via multiple channels:

• Phone Support: 1-800-432-3117
• In Person: Visit a Chase branch for face-to-face assistance (find nearest branches through their website).
• Secure Messaging: Available after logging into your Chase online account.

Additional help is accessibly 24/7, ensuring cardholders can resolve queries quickly and efficiently.

Conclusion

The World of Hyatt Credit Card stands out as a premier travel-hotel card for Hyatt aficionados and points-oriented travelers. The annual fee is more than offset for frequent Hyatt guests and those able to leverage bonus categories or chase elite perks. If you value enhanced travel experiences, elite status, and real-world savings, consider starting your application today at the official Hyatt credit card page and take your hospitality journey to new heights.

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