Review: Hyatt Credit Card From Chase

What's Hot

2 Types of Black Marks Might Vanish From Your Credit File SoonBorrow

6 Ways the Obamacare Overhaul Might Impact Your WalletInsurance

7 Dumb and Costly Moves Homebuyers MakeBorrow

This Free Software Brings Old Laptops Back to LifeMore

Obamacare Replacement Plan Gets ‘F’ Rating from Consumer ReportsFamily

Beware These 12 Common Money MistakesCredit & Debt

21 Restaurants Offering Free Food Right NowSaving Money

17 Ways to Have More Fun for Less MoneySave

House Hunters: Beware of These 6 Mortgage MistakesBorrow

30 Household Uses for Baby OilSave

25 Ways to Spend Less on FoodMore

Nearly Half of Heart-Related Deaths Linked to These 10 Foods and IngredientsFamily

5 Surprising Benefits of Exercising Outdoors in WinterFamily

10 Ways to Save When You’re Making Minimum WageSave

Boost Your Credit Score Fast With These 7 MovesCredit & Debt

7 Painless Ways to Pay Off Your Mortgage Years EarlierBorrow

The Most Sinful City in the U.S. Is … (Hint: It’s Not Vegas)Family

The True Cost of Bad CreditCredit & Debt

10 Companies With the Best 401(k) PlansGrow

This Scam Now Tops ID Theft as the No. 2 Consumer ComplaintFamily

6 Stores With Awesome Reward ProgramsFamily

6 Ways to Save More at Lowe’s and The Home DepotSave

6 Healthful Treats for Your DogFamily

New Study Ranks the Best States in the U.S.Family

Thousands of Millionaires Moving to 1 Country — and Leaving AnotherGrow

Strapped for College Costs? How to Get the Most From FAFSABorrow

6 Overlooked Ways to Save at Chick-fil-AFamily

Ask Stacy: What’s the Fastest Way to Pay Off My Mortgage?Borrow

Where to Sell Your Stuff for Top DollarAround The House

8 Ways to Get a Good Price on a Shiny New AutoCars

Ask Stacy: How Do I Start Over?Credit & Debt

Secret Cell Plans: Savings Verizon, AT&T, T-Mobile and Sprint Don’t Want You to Know AboutFamily

30 Awesome Things to Do in RetirementCollege

14 Super Smart Ways to Save on TravelSave

The Rich Prefer Modest Cars — Should You Join Them?Cars

You’ll Soon Pay More to Shop at CostcoSave

10 Ways to Save When Your Teen Starts DrivingFamily

The Hyatt card can be "suite," offering you free rooms around the globe. But is it really a good deal?

I review dozens of credit card offers each week to find the best deals. Check out more on our credit card page.

When it comes to reward cards, the name of the game is value – in both the initial sign-up bonus and the rewards you’ll receive from spending. If a card charges an annual fee, you should get additional value to offset it.

Many airline credit cards have promised a “free flight,” but as fees and surcharges have gradually been added, those flights are getting a lot less “free.” Fortunately, hotel cards offer an alternative form of travel rewards that can meet – or even exceed – the value of the airline cards.

Chase offers its Hyatt credit card to travelers who want to earn free nights at premium properties and receive all the perks of elite status…


  • Earn two free nights. You receive a sign-up bonus of two free nights at any Hyatt hotel worldwide after your first purchase. Additionally, those who already hold Platinum status in Hyatt’s Gold Passport program will receive two suite upgrade certificates. Those who hold Diamond status will receive two free nights in a suite. Considering that a standard room at some Hyatt properties in Europe can cost more than $1,000, and a suite can cost several times that, this is one of the most valuable credit card sign-up bonuses offered.
  • Receive elite status. You automatically receive Platinum status in Hyatt’s Gold Passport program. This entitles you to receive room upgrades, free Internet service, and late checkouts.
  • Earn points from spending. You earn 1 point per dollar from most purchases, with 3 points per dollar spent at Hyatt properties.
  • Redeem points for free nights. Standard room awards vary from 5,000 to 22,000 points, depending on the hotel category. The real value is in the high-end properties such as the Grand Hyatt in Paris or Milan. Even a suite at their top hotels only requires 33,000 points – a real bargain for a room that can normally cost thousands of dollars.
  • International travel features. The Hyatt card has no foreign transaction fees, and it includes an EMV smart chip that will allow your card to be accepted at unattended kiosks in Europe. (See: Why Your Credit Card Might Not Work in Europe)
  • Renewal bonus. Each year upon renewal, you receive a complimentary night’s stay at one of Hyatt’s low-end to mid-range properties. This takes the edge off of the $75 annual fee.


  • Annual fee. There’s a $75 annual fee, and unlike some competitors’ cards, it’s not waived the first year. Even though this card offers tremendous value at sign-up and renewal, some credit card users still draw the line at paying an annual fee.
  • High interest rate. The standard APR is 15.24 percent, which is a lot higher than the credit cards with the lowest interest rates. Anyone who carries a balance on their credit card should always be looking for the lowest interest rate, not the highest rewards.
  • Other redemption options have low value. Hyatt’s Gold Passport program offers redemption options for dining,  spa treatments, flights, and car rentals – but none of them offer nearly as much value as the free night stays.

Bottom line

Get it if: You want to earn free nights in luxury hotels around  the world.

Forget it if: You’re carrying a balance and need the lowest interest rate.

Stacy Johnson

It's not the usual blah, blah, blah

I know... every site you visit wants you to subscribe to their newsletter. But our news and advice is actually worth reading! For 25 years, I've been making people richer without making their eyes glaze over. You'll be glad you did. I guarantee it!


Read Next: 50 Ways to Make a Fast $50

Check Out Our Hottest Deals!

We're always adding new deals and coupons that'll save you big bucks. See the deals to the right and hundreds more in our Deals section.

Click here to explore 2,010 more deals!