Ask an Expert: Is the Hyatt Card a Suite Deal?

Photo (cc) by PYONKO

I review dozens of credit card offers each week to find the best deals. Check out more on our credit card page. Have a question? Email me.

Sometimes it seems the better the credit card rewards, the more confusing the conditions. A Money Talks News reader recently asked…

I read your article on the Hyatt Visa card and I had a quick question for you.

I currently have Hyatt Platinum Status which should get me two free nights and two suite upgrades (that can each be used on a stay of up to seven days) if I apply for the Hyatt Visa.

My understanding is that if I had the higher Diamond status, I would get those two free nights in a suite – but no upgrade certificates. Wouldn’t it be better to have the lower level status for this promotion? Or am I missing something?

Thanks for your thoughts,
– AJ

You bring up an interesting question, AJ – one I hadn’t considered.

In my review of the Hyatt card, I noted that “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. ”

Is it possible that those with higher status get the less valuable reward?

I always try to use my points and miles for free travel, so I value upgrade certificates that require paid night stays far less than just two free night stays in a suite. On the other hand, I understand that my situation is not all that typical.

Many travelers pay for hotel rooms that are later reimbursed by their company, and some even rent hotel rooms with their own money (or so I hear). So in this case, you’re comparing the difference in value between a standard room and a suite for up to 14 nights, versus the cost of the entire suite for just two nights. From that perspective, it seems correct that the 14 nights of suite upgrades from a paid room might be worth more to some travelers than just the two free nights in the suite.

The bigger question here is: How do you value rewards?

It turns out that in this case, as in many others, the value of the reward depends on who’s receiving it. I could see having very little use for a suite when I’m on a business trip by myself, but it could come in rather handy if was traveling with my family of four.

While this is an unusual circumstance where the higher-value reward might be granted to customers with lower status, this is certainly not the only time that you’ll value a credit card reward differently than someone else. For example, a free domestic flight can be very valuable to someone who pays for last-minute travel, while it would be of less value to someone who travels with plenty of advance notice and scores really low fare.

By considering how valuable a particular award is to you, only then can you choose the best credit card for your needs.

Disclosure: The information you read here is always objective. However, we sometimes receive compensation when you click links within our stories.

Read Next
The Annuity Everyone Needs — and Anybody Can Get
The Annuity Everyone Needs — and Anybody Can Get

This simple strategy can put more money in your pocket during retirement.

13 Affordable Products for a Better Night’s Rest
13 Affordable Products for a Better Night’s Rest

These Amazon products can help you finally catch 40 winks — or more.

5 Ways to Save up $500,000 in 15 Years
5 Ways to Save up $500,000 in 15 Years

Even if you’re behind in preparing for retirement, there’s still a way to pull together a solid nest egg if you focus.

7 Steps to Keep Your Car Looking Like New
7 Steps to Keep Your Car Looking Like New

Take a few steps to preserve the beauty of your car, and you stand to get a lot more money at trade-in time.

This Pastime Can Keep Your Brain Sharp as You Age
This Pastime Can Keep Your Brain Sharp as You Age

It’s never too late to benefit from taking up this type of activity.

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Most Popular
7 Kirkland Signature Items to Avoid at Costco
7 Kirkland Signature Items to Avoid at Costco

Even if it seems you save a bundle buying Costco’s Kirkland Signature brand products, they may not be the bargain they appear to be.

If You Find This Thrift Shopping, Buy It
If You Find This Thrift Shopping, Buy It

Whether you resell it for a big profit or add it to your own wardrobe, this type of clothing is a hidden steal.

3 Ways to Get Microsoft Office for Free
3 Ways to Get Microsoft Office for Free

With a little ingenuity, you can cut Office costs to zero.

9 Things You’ll Never See at Costco Again
9 Things You’ll Never See at Costco Again

The warehouse store offers an enormous selection, but these products aren’t coming back.

This Surprise Factor Can Raise Your Risk of Dementia
This Surprise Factor Can Raise Your Risk of Dementia

Nearly half of U.S. residents may face this threat.

Organize Your Home With These 10 Thrift Store Finds
Organize Your Home With These 10 Thrift Store Finds

Resolve to be clutter-free in 2021 with these secondhand purchases.

11 Laws You Could Be Breaking Without Knowing It
11 Laws You Could Be Breaking Without Knowing It

Seriously? Fibbing about the weather is a crime? This and other little-known legal traps await the unwary.

Is This Treatable Condition Causing Your High Blood Pressure?
Is This Treatable Condition Causing Your High Blood Pressure?

Researchers say too many doctors are overlooking this potential source of hypertension.

13 Things Seniors Can Get for Free — or Almost Free
13 Things Seniors Can Get for Free — or Almost Free

There are many ways to get cheap or free services and goods after reaching a certain age.

These Are the 3 Best Used Cars You Can Buy
These Are the 3 Best Used Cars You Can Buy

These vehicles boast reliability, safety and long-lasting value.

Taking a Multivitamin? Here’s Why You Should Reconsider
Taking a Multivitamin? Here’s Why You Should Reconsider

A new study has bad news for the millions of Americans who spend money on multivitamins.

21 Items to Cut From Your Budget That You Won’t Even Miss
21 Items to Cut From Your Budget That You Won’t Even Miss

Start off the new year by implementing these small-but-smart savings strategies. They’ll soon add up.

This Is America’s New Favorite Grocery Store
This Is America’s New Favorite Grocery Store

Consumers say a familiar name has become their go-to source of grocery items.

Internet Providers Can’t Charge You for This Anymore
Internet Providers Can’t Charge You for This Anymore

Starting this month, your ISP no longer can bill you for this fee.

15 Painless Ways You Can Cut Costs in 2021
15 Painless Ways You Can Cut Costs in 2021

Follow these tips to save, so you’ll have money for things that really matter.

Prepare to Pay More for These 31 Drugs in 2021
Prepare to Pay More for These 31 Drugs in 2021

More than 700 prescription medications have seen price hikes so far this year. Here’s a look at the worst.

10 Cars You Are Most Likely to Keep for 15 Years
10 Cars You Are Most Likely to Keep for 15 Years

The cars that owners hold onto the longest have one thing in common, a new study shows.

The 10 Golden Rules of Becoming a Millionaire
The 10 Golden Rules of Becoming a Millionaire

I’m a millionaire several times over. I got here the same way you can — by following these simple steps.

5 States Lowering Taxes This Year — and 2 Raising Them
5 States Lowering Taxes This Year — and 2 Raising Them

State personal income tax rates, brackets and deductions just changed in these places.

View More Articles

View this page without ads

Help us produce more money-saving articles and videos by subscribing to a membership.

Get Started

Add a Comment

Our Policy: We welcome relevant and respectful comments in order to foster healthy and informative discussions. All other comments may be removed. Comments with links are automatically held for moderation.