Skip to content

Points of View: Which credit card should you use for Hyatt stays?

Oct. 10, 2022
7 min read
Park Hyatt Auckland
This post contains references to products from one or more of our advertisers. We may receive compensation when you click on links to those products. Terms apply to the offers listed on this page. For an explanation of our Advertising Policy, visit this page.

Compared to its competitors, World of Hyatt has fewer credit cards available for applicants. Consider that there are six credit cards from Marriott Bonvoy, four cards from Hilton Honors, three cards from IHG One Rewards and three cards from Wyndham Rewards. While Hyatt has a personal and a business credit card, it lacks a luxury credit card.

Is this a good or a bad sign? Should you look elsewhere when paying for stays at World of Hyatt and Small Luxury Hotels of the World properties?

Let's take a look at some popular cards you might use to pay for your next stay at these hotels and resorts to understand what these cards can offer you in terms of return on spending and perks during your stay.

Comparing credit cards for a Hyatt or SLH hotel stay

Aside from using a Hyatt cobranded credit card, you might also consider using an all-around travel rewards card that earns transferable points on travel purchases, including your next hotel stay. Let's look at some common credit card options and what you could get when using these cards:

Card nameEarning rate at Hyatt and SLH hotelsValue of the rewards earned*Hyatt-related benefits from the cardAnnual fee
World of Hyatt Credit Card4 points per dollar.6.8 cents.
  • Automatic entry-level Disoverist status for cardholders, offering perks like 10% bonus points, premium in-room internet and late checkout when available.
  • Five tier-qualifying night credits automatically added to your account each year.
  • Earn two tier-qualifying night credits for each $5,000 spent on the card.
$95.
World of Hyatt Business Credit Card4 points per dollar.6.8 cents.
  • Automatic entry-level Disoverist status for cardholders, offering perks like 10% bonus points, premium in-room internet and late checkout when available.
  • Earn five tier-qualifying night credits for each $10,000 spent on the card.
  • Up to $100 in annual credits for spending with Hyatt.
  • Earn a 10% points rebate after spending $50,000 or more on the card in a calendar year.
  • Hyatt Leverage membership offers potential room discounts on paid stays.
$199.
American Express® Green Card3 points per dollar.6 cents.None.$150 (see rates and fees).
Chase Sapphire Reserve3 points per dollar (or 10 points per dollar if booked via the Chase travel portal).6 cents (or 20 cents).None.$550.
Citi Premier® Card3 points per dollar.5.4 cents.None.$95.

* Bonus value is an estimated value calculated by TPG and not the card issuer.

The information for the Amex Green card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

Related: Credit card showdown: World of Hyatt card versus World of Hyatt Business card

Which card should you use?

There are two factors to consider when choosing a credit card for your next stay at a Hyatt or Small Luxury Hotels property: the benefits you enjoy during your stay and the points you earn on the card when paying for your stay.

The first part is relatively simple. The benefits and perks of your elite status will apply regardless of whether you use a specific card for your stay. As an example, you don't actually need to pay with the World of Hyatt card or World of Hyatt Business card to enjoy your Discoverist status, which is conferred automatically by having either of these cards.

Sign up for our daily newsletter

(The one exception is using the Chase Sapphire Reserve to book a paid stay at a Hyatt or SLH hotel through the Chase travel portal. This will generally count as a third-party booking. While you'll earn 10 Ultimate Rewards points per dollar spent on these bookings, you'll likely forgo any perks of World of Hyatt elite status when staying at the hotel.)

KYLE OLSEN/THE POINTS GUY

When it comes to earning points from spending money at hotels that participate in World of Hyatt — as well as SLH properties — using your Hyatt credit card is actually a good option, unlike some hotel programs. Due to the high value of Hyatt points, using these cards will provide a better rate of return than using a Marriott credit card at a Marriott hotel, for example. However, the value to be had here is subjective in some ways. Do you prefer to earn the maximum value according to our monthly points valuations? Are you OK with that even if it means earning points that are stuck in a single program and can only be used with Hyatt (or transferred to airlines in such a way that you lose a lot of value)?

Or do you prefer to earn transferable points because you know how to maximize these for flight awards in premium cabins or during expensive holiday periods, obtaining outsized value for your points? In this case, using a card that earns Chase Ultimate Rewards may be your best bet, since you would have access to the full range of Chase's transfer partners and still have the option to transfer points to World of Hyatt for hotel redemptions.

Related: How long do Chase Ultimate Rewards take to transfer?

Bottom line

Sometimes, deciding which credit card to use on a purchase can require tradeoffs. Maybe you earn more points but sacrifice some benefits. Perhaps you're willing to earn fewer points but access a valuable benefit by using a particular card.

Luckily, the choice of which credit card to use when staying at a Hyatt or SLH hotel is pretty simple. Due to high earning rates from Hyatt's credit cards and the value of these points, you should be able to earn a high value in rewards while also enjoying your cardholder benefits — without the tradeoffs required by making this decision at some other hotel chains.

Editor’s note: “Points of View” is a series evaluating decisions on which credit card to use. If you’re facing a dilemma about which card is best for an upcoming payment, email us at tips@thepointsguy.com.

Also in this series:

For rates and fees of the Amex Green card, click here.

Featured image by ERIC ROSEN/THE POINTS GUY
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Top offers from our partners

How we chose these cards

Our points-obsessed staff uses a plethora of credit cards on a daily basis. If anyone on our team wouldn’t recommend it to a friend or a family member, we wouldn’t recommend it on The Points Guy either. Our opinions are our own, and have not been reviewed, approved, or endorsed by our advertising partners.
See all best card offers

TPG featured card

Best for earning alternative rewards for travel purchases
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review
Apply for Credit One Bank Wander® Card
at Credit One Bank's secure site

Rewards

1 - 10X points
10XEarn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5XEarn 5x points on eligible travel, dining, and gas
1XEarn 1x points on all other purchases

Intro offer

Earn 10,000 Bonus Points
Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel

Annual Fee

$95

Recommended Credit

Fair/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

The revamped Wander Card from Credit One Bank earns cardmembers up to 10 points per dollar spent on eligible travel purchases. With no foreign transaction fees, the card is also great for international travel. However, points earned from this card can only be used at a fixed value, so it may not be the best option for those striving to get maximum value from their rewards.

Pros

  • This card has no foreign transaction fees and earns up to 10 points per dollar on travel purchases through the Credit One Bank travel partner site.

Cons

  • While cardholders can earn a significant amount of points on travel purchases, there isn't any way to redeem points from the Wander Card for maximum value (beyond 1 cent per point).
  • Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees
Apply for Credit One Bank Wander® Card
at Credit One Bank's secure site
Terms & restrictions apply. See rates & fees
Best for earning alternative rewards for travel purchases
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
3 / 5
Go to review

Rewards Rate

10XEarn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5XEarn 5x points on eligible travel, dining, and gas
1XEarn 1x points on all other purchases
  • Intro Offer
    Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel

    Earn 10,000 Bonus Points
  • Annual Fee

    $95
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    Fair/Good

Why We Chose It

The revamped Wander Card from Credit One Bank earns cardmembers up to 10 points per dollar spent on eligible travel purchases. With no foreign transaction fees, the card is also great for international travel. However, points earned from this card can only be used at a fixed value, so it may not be the best option for those striving to get maximum value from their rewards.

Pros

  • This card has no foreign transaction fees and earns up to 10 points per dollar on travel purchases through the Credit One Bank travel partner site.

Cons

  • While cardholders can earn a significant amount of points on travel purchases, there isn't any way to redeem points from the Wander Card for maximum value (beyond 1 cent per point).
  • Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days and redeem for a $100 statement credit, gift cards, or travel
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees