Is The Hyatt Credit Card Worth Keeping? I Think So

When my husband and I signed up for the Hyatt Credit Card, the signup bonus was for two free nights at any Hyatt worldwide. Ultimately, we chose to redeem our free nights for stays at the Hyatt Ziva all-inclusive resort in Jamaica. Since each card requires only a $2,000 minimum spending requirement and an annual fee of $75, scoring four expensive spring break nights in paradise was obviously a stellar deal.

Now that the signup bonus is for 40,000 points after you use your card for $2,000 in purchases within the first three months (plus an extra 5,000 points if you add an authorized user who makes a purchase within three months of account opening), the signup bonus seems a lot less lucrative. But, is it? Well, it depends.

I would probably still sign up if I didn’t have the card already, and I would have my husband sign up, too. After all, 90,000 Hyatt points can stretch a long way….but it’s even better than that since Hyatt is a transfer partner with Chase Ultimate Rewards.

Still, my cardmember anniversary is coming up and I’ve actually decided to keep the card another year. Here’s why:

Free Annual Night Award

The Hyatt Credit Card offers a free annual night award at a Category 1-4 property for each year you keep the card and pay the annual fee of $75. I’ve already used one of our free nights at the Hyatt House Miami Airport last month when nightly rates were $180. Obviously, paying $75 for a room worth $180 is a good deal and one worth repeating, especially since my husband and I seem to need a lot of random one-night hotel stays here and there.

And actually, I am getting ready to book my husband’s free Hyatt night at the same hotel for the night before we leave on our Christmas cruise on the MSC Divina later this year.

Discoverist Status

I am the last person to celebrate hotel status, and especially low tier status, but so far I like having Discoverist status. We got upgraded to a two-bedroom suite at the Hyatt House Miami Airport due to our status, which made sense to me since World of Hyatt says Discoverist gets you an “upgrade to a preferred room based on availability at check-in.” We also got a free bottle of water upon check-in, which was no big deal but appreciated. Finally, we could have stayed until 2:00 p.m. but we needed to check out early.

Easy to Earn Free Nights

With free nights starting at just 5,000 World of Hyatt points, I would like to continue my Discoverist status for upgrades since I have two kids and appreciate a bigger room when available. We have actually stayed at several Category 2 hotels that were 8,000 points per night, and I thought those properties represented a good value.

I may not use my Hyatt Credit Card a lot, but I am very likely to transfer Chase points 1:1 to Hyatt when I want to make a redemption. That is another reason this card has been easy for me to keep.

The Bottom Line

We all use our own set of criteria before we decide to keep a hotel credit card, and I’m not too difficult to please. I am also pretty happy to pay a small annual fee for an anniversary night somewhere, which is why I’ve kept my IHG Rewards Club Select Credit Card so long. Is your Hyatt Credit Card worth keeping? Only you can decide.


Do you plan to pay the annual fee on your Hyatt Credit Card? Why or why not?

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