Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
July 13, 2026 • 21 min read
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Frequently asked questions
The World of Hyatt loyalty program is the rewards program for 38 brands, including Park Hyatt, Hyatt Regency, Alila, Miraval, Thompson Hotels and Hyatt Place. You can enjoy elite status benefits, earn points and redeem points through the World of Hyatt loyalty program.
World of Hyatt is free to join. Simply open the Hyatt website or app, click the Join button and follow the easy steps.
Hyatt points are worth 1.6 cents each based on TPG's July 2026 valuations. These valuations estimate the value you should aim to get when redeeming Hyatt points.
World of Hyatt has award charts for most of its properties, each of which includes award rates for standard rooms, club rooms, standard suites and premium suites. In addition to the award charts for Hyatt hotels and resorts, there are also separate award charts for Miraval resorts and all-inclusive resorts.
You can transfer Chase Ultimate Rewards points to World of Hyatt at either a 1:1 or 4:3 ratio, depending on which Ultimate Rewards card you have. You can also transfer Bilt Points to World of Hyatt at a 1:1 ratio.
Hyatt points expire if an account is inactive for 24 consecutive months. Luckily, activities like earning points or buying points will keep your account active.
World of Hyatt members can transfer points to other members at no cost. Each member can share or receive points only once every 30 days, and members must complete and sign a paper form and email it to Hyatt customer service to combine points.
World of Hyatt Points + Cash awards let you book a stay using a mix of Hyatt points and money. You'll usually pay 50% of the points required for a free night award plus 30% to 50% of the standard room rate, so compare the Points + Cash rate against the full cash and points rates before booking.
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Quick summary
World of Hyatt recently expanded its award chart from three to five pricing tiers, allowing for more nuanced point redemption rates across hotel categories.
Annual category shifts have moved some properties to higher or lower award categories, impacting the number of points needed for free nights.
Select elite members and certain cardholders now receive earlier access to award night inventory, enhancing booking flexibility for advance planners.
Hyatt points remain highly valued, with TPG's July 2026 valuations placing them at 1.6 cents each, making them among the most valuable hotel loyalty points.
What to consider
Award rates now fluctuate more within each category, so checking current rates before booking is essential.
Dynamic pricing applies to select properties, often yielding lower redemption value than the published award charts.
Elite status offers significant perks, but achieving higher tiers requires substantial qualifying nights or base points.
What you'll miss from the article
A detailed breakdown of elite status benefits, milestone rewards, and strategies for maximizing Hyatt point redemptions.
Generated by AI with support from our editorial team.
World of Hyatt has made several notable changes in 2026, including changes to award pricing, award availability and its all-inclusive footprint. Here's a quick look at what's changed recently.
Expanded award chart pricing
World of Hyatt moved from three award pricing tiers per category — off-peak, standard and peak — to five: Lowest, Low, Moderate, Upper and Top. This means award rates can now vary more within each category.
Annual category changes
Hyatt also implemented its annual category changes on May 20, with some properties moving to higher award categories and others moving to lower ones. If you're planning an award stay, it's worth checking current award rates before transferring points or booking.
Hyatt House Johannesburg Sandton. KATIE GENTER/THE POINTS GUY
Early award access for select members
World of Hyatt now gives select elite members and cobranded Hyatt cardholders earlier access to some award night inventory. This can make Hyatt elite status or a Hyatt credit card more useful if you like to book award stays far in advance.
Hyatt has also said it plans to make it easier for members to share points digitally. This should simplify combining points with another World of Hyatt member once the feature launches.
World of Hyatt brands
The World of Hyatt program has 38 brands. Here's how Hyatt classifies its brands:
Five luxury brands: Alila, Impression by Secrets, Miraval, Park Hyatt and The Unbound Collection by Hyatt
Nine lifestyle brands: Andaz, Breathless Resorts & Spas, Bunkhouse Hotels, Dream Hotels, JdV by Hyatt, Me and All Hotels, The Standard, The StandardX and Thompson Hotels
Six classics brands: Destination by Hyatt, Grand Hyatt, Hyatt, Hyatt Centric, Hyatt Regency and Hyatt Vacation Club
Seven essentials brands: Caption by Hyatt, Hyatt House, Hyatt Place, Hyatt Select, Hyatt Studios, Unscripted by Hyatt and UrCove
Two more to explore brands: Mr & Mrs Smith and The Venetian Resort Las Vegas
KATIE GENTER/THE POINTS GUY
Every time you stay at a Hyatt brand for the first time, you'll earn toward the Hyatt Brand Explorer promotion. This promotion gives you a Category 1-4 free night award for every five unique brands you experience. Since Hyatt currently has 38 brands, you can earn up to seven free night awards through this promotion.
One of the strongest parts of the World of Hyatt loyalty program is its elite status tiers. World of Hyatt elite status is extremely valuable, as are the milestone rewards you can earn along the way toward securing status.
Talk Shop at Caption by Hyatt Central Sydney. KATIE GENTER/THE POINTS GUY
Everyone starts with Member status, and this is the tier you'll get if you don't secure Hyatt elite status. But once you earn a specific tier of Hyatt elite status, you'll keep it through the end of February two years later. So, if you earn Hyatt Globalist status in November 2026, you'll keep it through the end of February 2028.
Member
Member is the tier all Hyatt members get if they don't have elite status. Here's a look at the perks available to Hyatt members without elite status:
Ability to earn 5 base points per eligible dollar spent at most Hyatt hotels and resorts (or 2.5 base points per eligible dollar spent at Hyatt Studios)
Discoverist
Hyatt Discoverist status is the first elite status tier, which you can earn after accruing 10 elite qualifying nights or 25,000 base points in a calendar year.
Cardholders of the (see rates and fees) and the (see rates and fees) also get automatic Hyatt Discoverist status. Plus, primary cardholders of the World of Hyatt Business Card can give Discoverist status to up to five employees.
Park Hyatt Kuala Lumpur in Malaysia. ERIC ROSEN/THE POINTS GUY
Here's a look at the perks Hyatt Discoverist members enjoy above and beyond what is offered to members without status:
10% bonus point earning on eligible purchases
2 p.m. late checkout upon request (subject to availability at hotels with a casino, Destination by Hyatt Residences and Hyatt resorts; not available at Hyatt Vacation Club properties)
Complimentary premium internet during stays (when available)
A daily complimentary bottle of water
Access to a dedicated elite check-in area at some properties
Room upgrades, as available at check-in, to a preferred room within the type booked
Explorist
You must accrue 30 elite qualifying nights or 50,000 base points in a calendar year to earn Hyatt Explorist status. However, (see rates and fees) cardholders can also unlock Hyatt Explorist status by meeting specific annual spending requirements.
Here's a look at the perks Hyatt Explorist members enjoy above and beyond what is offered to Discoverist members:
20% bonus point earning on eligible purchases
Room upgrades, as available at check-in, to an upgraded room (excluding suites and rooms with club lounge access)
Early access to award night inventory
Globalist
You'll secure Hyatt Globalist status once you accrue 60 elite qualifying nights or 100,000 base points in a calendar year. And you can earn lifetime Hyatt Globalist status if you accrue 1,000,000 base points over the life of your account.
Hyatt Place Melbourne / Palm Bay / I-95 in Florida. KATIE GENTER/THE POINTS GUY
It can be difficult to earn Hyatt Globalist status each year, but the perks can make it a worthwhile endeavor for some travelers. Here's a look at the perks Hyatt Globalist members enjoy above and beyond what is offered to Explorist members:
30% bonus point earning on eligible purchases
Club lounge access (including continental breakfast and evening hors d’oeuvres daily) at properties with a club lounge
Complimentary full breakfast daily for each registered guest (up to two adults and two children) at participating properties without a club lounge
4 p.m. late checkout upon request (subject to availability at hotels with a casino, Destination by Hyatt Residences and Hyatt resorts; not available at Hyatt Vacation Club properties)
Room upgrades, as available at check-in, to an upgraded room (including standard suites)
Priority access to available rooms when checking in early at participating hotels
Ability to choose a $15 market credit or 500 bonus points per stay as a welcome amenity during Hyatt Studios stays
While it can be difficult to accrue enough elite qualifying nights, keep in mind that the World of Hyatt Credit Card gives you five qualifying night credits toward your next tier status every year and lets you earn two additional tier qualifying night credits toward your next tier status every time you spend $5,000 on your card. Meanwhile, the World of Hyatt Business Credit Card lets you earn five tier qualifying night credits toward status for every $10,000 you spend in a calendar year.
The Hyatt Milestone Rewards program lets you choose extra perks once you accrue 20 qualifying nights or 35,000 base points each calendar year. You'll get more benefits to choose from for each additional 10 qualifying nights, up to 150 nights, per calendar year, as follows:
20 qualifying nights or 35,000 base points: One choice of a 2K Next Stay award, two club access awards, a $25 Find experience credit or two Preferred seat coupons on American Airlines
30 qualifying nights or 50,000 base points: One Category 1-4 free night award and one choice of a 2K Next Stay award, two club access awards, a $25 Find experience credit or two Preferred seat coupons on American Airlines
40 qualifying nights or 65,000 base points: One Guest of Honor award and one choice of 5,000 bonus points, a suite upgrade award, a $150 Find experience credit or two Main Cabin Extra seat coupons on American Airlines
50 qualifying nights or 80,000 base points: One choice of 5,000 bonus points, two suite upgrade awards, a $150 Find experience credit or two Main Cabin Extra seat coupons on American Airlines
60 qualifying nights or 100,000 base points: Two Guest of Honor awards, one Category 1-7 free night award, two suite upgrade awards and access to My Hyatt Concierge
70, 80 and 90 qualifying nights: One Guest of Honor award and one choice of 10,000 bonus points, one suite upgrade award, a $300 Find experience credit or AAdvantage Gold status
100 qualifying nights: One Category 1-7 free night award and one choice of 10,000 bonus points, one suite upgrade award, a Miraval extra night award or AAdvantage Platinum status
110, 120, 130 and 140 qualifying nights: One Guest of Honor award and one choice of 10,000 bonus points, one suite upgrade award, a Miraval extra night award or AAdvantage Platinum status
150 qualifying nights: One ultimate free night award and one choice of 10,000 bonus points, one suite upgrade award, a Miraval extra night award or AAdvantage Platinum status
There are plenty of ways to earn Hyatt points; here are some of the most popular and lucrative.
Hotel stays
During stays at Hyatt Studios hotels, you'll earn 2.5 base points per dollar spent on eligible rates and eligible incidental charges. During stays at other Hyatt points properties, you'll earn 5 base points per dollar spent on eligible rates and eligible incidental charges. Note that taxes, service charges and gratuities often aren't eligible to earn points.
You can earn base points for up to three rooms per night within the same hotel or resort as long as you occupy one of the rooms.
Hyatt House Johannesburg Sandton. KATIE GENTER/THE POINTS GUY
In addition to the base points that you earn on eligible rates and incidental charges, Hyatt elite members also earn 10% to 30% bonus points based on their status tier. After this bonus, Discoverist members earn 5.5 points per dollar spent on most Hyatt stays, Explorist members earn 6 points per dollar spent and Globalist members earn 6.5 points per dollar spent.
World of Hyatt promotions
Frequent World of Hyatt promotions can help you earn more points on stays. When I wrote this post, I'd enrolled in several promotions that would let me earn bonus points on select stays.
Cobranded credit cards are also a great way to earn Hyatt points. Here's a look at the current welcome offers and earning rates on the cobranded Hyatt credit cards:
Card
Welcome offer
Earning rates
Earn four free nights (at Category 1-4 Hyatt hotels) after spending $5,000 on purchases in the first three months from account opening.
4 points per dollar spent on qualifying purchases at Hyatt hotels
2 points per dollar spent on tickets purchased directly from an airline, on fitness club and gym memberships, on local transit and commuting and at restaurants
1 point per dollar spent on all other purchases
Earn 70,000 bonus points after spending $7,000 on purchases in the first three months from account opening.
4 points per dollar spent on qualifying purchases at Hyatt hotels
2 points per dollar spent on fitness club and gym membership purchases
2 points per dollar spent in your top three eligible spending categories each quarter
You can also earn Hyatt points by buying them. World of Hyatt occasionally offers sales or bonuses on points purchases that can make buying points a valuable option, especially if you're buying points for a high-value redemption.
THE GOOD BRIGADE/GETTY IMAGES
Without a sale, you can usually buy Hyatt points at 2.6 cents each. However, with a sale, you may be able to buy Hyatt points for less than 2 cents each. You can usually buy up to 55,000 Hyatt points per calendar year.
TPG's July 2026 valuations peg Hyatt points at 1.6 cents each, so you'll want to aim to get at least that value per point when you redeem them.
World of Hyatt award chart
World of Hyatt maintains separate award charts for Hyatt hotels and resorts, all-inclusive resorts and Miraval resorts. For each of these three, you'll find award charts for standard rooms, club rooms, standard suites and premium suites. Each award chart has five pricing tiers per category.
For example, here's the eight-category standard room award chart for Hyatt hotels and resorts (excluding all-inclusive resorts and Miraval resorts):
Category
Lowest points per night
Low points per night
Moderate points per night
Upper points per night
Top points per night
1
3,000
4,500
6,000
7,500
9,000
2
6,000
7,500
10,000
12,000
15,000
3
8,000
12,000
15,000
17,500
20,000
4
12,000
15,000
20,000
22,500
25,000
5
15,000
20,000
25,000
30,000
35,000
6
20,000
25,000
30,000
35,000
40,000
7
25,000
30,000
35,000
45,000
55,000
8
35,000
45,000
55,000
65,000
75,000
And here's the six-category standard room award chart for double occupancy at all-inclusive resorts (excluding Miraval resorts):
Category
Lowest points per night
Low points per night
Moderate points per night
Upper points per night
Top points per night
A
12,000
15,000
20,000
22,500
25,000
B
15,000
20,000
25,000
30,000
35,000
C
20,000
25,000
30,000
35,000
40,000
D
25,000
30,000
35,000
45,000
55,000
E
35,000
45,000
55,000
65,000
75,000
F
45,000
55,000
65,000
75,000
85,000
You can also often book Points + Cash awards, where you pay 50% of the points required for a free night and 30% to 50% of the standard room rate. To learn more about the award charts and Points + Cash award rates, check out our post on the Hyatt award charts.
Redeeming points for upgrades
You can often redeem Hyatt points to upgrade your stay. Specifically, you may be able to redeem 3,000 points per night to upgrade to a club room, 6,000 points per night to upgrade to a standard suite and 9,000 points per night to upgrade to a premium suite.
Regal suite at the Alila Fort Bishangarh in India. KATIE GENTER/THE POINTS GUY
These room upgrade awards aren't available at all properties, and you may need to book a minimum room type or specific rate to be eligible to upgrade. You can book room upgrade awards online when making a new reservation, but you'll need to call World of Hyatt to redeem points to upgrade an existing reservation.
Redeeming points for dynamically priced properties
World of Hyatt uses dynamic award pricing for several types of properties: Mr & Mrs Smith properties, Homes & Hideaways by World of Hyatt properties and two Las Vegas properties (The Venetian Resort Las Vegas and The Palazzo at The Venetian Resort Las Vegas).
The Venetian Resort in Las Vegas. TANNER SAUNDERS/THE POINTS GUY
For these properties, the award rate will vary depending on when you book and the dates of your stay. You'll usually get less than TPG's valuation of Hyatt points (1.6 cents per point based on our July 2026 valuations) when booking these dynamically priced options, so we generally recommend saving your points for higher-value redemptions.
You can also redeem Hyatt points for various experiences.
For example, at select properties, you can redeem points at checkout for a credit toward in-room movies, parking, transportation and more. You'll get better value as you redeem for higher dollar amounts, as you can see in the table below:
Points
Credit
Redemption rate in cents per point
1,000
$10
1
2,500
$25
1
5,000
$50
1
7,500
$75
1
8,000
$100
1.25
12,000
$150
1.25
20,000
$250
1.25
35,000
$500
1.43
65,000
$1,000
1.54
You can also redeem Hyatt points to book Find experiences. Award rates vary, but I could, for example, redeem 2,500 points or pay $35 for an hourlong sound-healing class at the Andaz Scottsdale Resort & Bungalows. That would give you a redemption rate of 1.4 cents per point.
HYATT
You can also redeem points toward future meetings and events or an Avis car rental reward. Explorist and Globalist members can redeem Hyatt points to get AAdvantage Status for a Day. And all Hyatt members can share or gift points to other members and convert Hyatt points into airline miles with select airlines.
You can find Hyatt sweet spots across the program's award charts. Just calculate your redemption rate before booking, and consider booking a paid rate if you'd get too low a redemption rate. TPG's July 2026 valuations peg Hyatt points at 1.6 cents each, but you may have a different threshold below which you won't redeem Hyatt points (for me, it's 2 cents per Hyatt point).
Category 1 Hyatt hotels
Category 1 Hyatt hotels cost 3,000 to 9,000 points per night in a standard room. If you can find nights bookable for just 3,000 points, you'll almost certainly get a high redemption rate. However, even the Upper and Top award prices may be worth paying for Category 1 hotels on nights with expensive paid rates.
Category 4 hotels with reward night certificates
Category 4 Hyatt hotels are where you'll want to look when redeeming Category 1-4 free night certificates. Category 4 award rates range from 12,000 to 25,000 points for a standard room, so you'll want to use your certificates on Upper or Top nights, which cost 22,500 and 25,000 points.
Hyatt Regency Lake Washington at Seattle's Southport. KATIE GENTER/THE POINTS GUY
Hyatt considers more than just nightly rates when determining which nights are classified as Lowest, Low, Moderate, Upper and Top for award pricing purposes. So, you can often get a high redemption rate when redeeming points for Lowest and Low nights at hotels that don't offer comparably inexpensive paid rates.
Peak nights
Finally, you may also find that you can get good redemption rates even on peak (Upper and Top) nights. This is especially true during big concerts, games or other events when paid rates are extremely high.
How World of Hyatt compares to other hotel programs
World of Hyatt points are the most valuable hotel currency in TPG's July 2026 valuations, but that doesn't mean Hyatt is the best program for every traveler. Here's how Hyatt stacks up against several other major hotel loyalty programs:
Hotel loyalty program
TPG's July 2026 valuation
World of Hyatt
1.6 cents per point
Marriott Bonvoy
0.8 cents per point
IHG One Rewards
0.6 cents per point
Hilton Honors
0.4 cents per point
Based on TPG's July 2026 valuations, World of Hyatt points are worth twice as much as Marriott Bonvoy points, almost three times as much as IHG One Rewards points and four times as much as Hilton Honors points. However, point values don't tell the full story. Marriott, Hilton and IHG each have significantly larger global footprints than Hyatt, which can make them more practical for travelers who frequently visit smaller markets or want the widest possible range of brands and price points.
World of Hyatt may be the better program if you value the potential for high-value redemptions, published award charts and valuable elite perks (especially if you can reach the Globalist tier). However, Marriott Bonvoy, Hilton Honors or IHG One Rewards may be a better fit if you prioritize having more hotels to choose from in more destinations.
The World of Hyatt program has one of the best top-tier hotel elite statuses and valuable hotel points. Despite recent changes in the Hyatt award charts, Hyatt points remain one of the most valuable hotel rewards currencies.
Although I earn some points through stays and my , I also transfer Chase points to Hyatt as needed and usually buy the maximum number of Hyatt points each year. I also carefully consider when to redeem Hyatt points and when to book at a paid rate, based on the redemption rate I could get, which helps me save my Hyatt points for the best-value redemptions.
American Express® Gold Card
TPG Editor's Rating4/5
TPG Editor's Rating4/5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Pros + cons
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
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Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
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$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
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at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Pros + cons
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
American Express® Gold Card
TPG Editor's Rating4/5
TPG Editor's Rating4/5
at American Express's secure site. Terms & restrictions apply. See rates & fees.
Rewards rate
Rewards rate
Rate
Category
4X
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
4X
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
5X
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
3X
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
2X
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
1X
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Intro offer
As High As 100,000 points. Find Out Your Offer.
Annual fee
$325
Regular APR
See Pay Over Time APR
Recommended credit
Excellent to Good
Pros + cons
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
More details
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
No Foreign Transaction Fees.
Annual Fee is $325.
Terms Apply.
Pros
Valuable dining and food-related credits
Points are transferable
Multiple travel and purchase protections
No foreign transaction fees
Access to Amex Offers for additional savings (enrollment required)
Cons
Not as useful for those living outside the U.S.
Difficult credit redemption
You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App™.
Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App™, or purchased directly from airlines.
Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App™ and cruises booked and paid through AmexTravel.com.
Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
$120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
$100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
$84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
$120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
Enjoy complimentary Hertz Five Star® Status benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
Book two nights or more with The Hotel Collection through AmexTravel.com or the Amex Travel App™ and receive a $100* credit towards eligible charges at over 1,400 upscale hotels worldwide. *Eligible charges vary by property.
Book your travel through the Amex Travel App™ with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
