Which Credit Card Should I Use At Hyatt Hotels?

Which Credit Card Should I Use At Hyatt Hotels?
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Deciding which credit card to use for your purchases is an important step in maximizing your household savings. Use the wrong card for a purchase, and you may miss out on over 5% in savings. Each purchase is different, so this post will focus on Hyatt hotels. Which credit card should you use? Read on to learn more!

Which Credit Card Should I Use At Hyatt Hotels?

Hyatt's World of Hyatt program is one of the best in the business, even with its comparatively small footprint of hotels worldwide. The best hotels in the program top out at 30,000 points per night for award nights, which is way cheaper than any other hotel award program (if you need a refresher, check out our program guide).

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Best Earning: Chase Hyatt Visa and Chase Sapphire Reserve

The most obvious choice for a credit card to use on Hyatt purchases is the Chase Hyatt Visa Card. It earns 3 World of Hyatt points per dollar on Hyatt purchases, and one World of Hyatt point per dollar on everything else. Currently, the card has a 40,000 point sign up bonus for spending $2,000 in the first 3 months from account opening.

Another card, the Chase Sapphire Reserve, earns 3 Ultimate Rewards points on every travel and dining purchase. These points are transferrable at a 1:1 ratio into the World of Hyatt program, so the earning is the same as the Hyatt visa card. You'll also get a 50,000 point bonus for spending $5,000 in the first 3 months.

Best Benefits: Chase Sapphire Reserve (Though the Hyatt Card is No Slouch)

While both cards are great for Hyatt hotel earning, there are some differences that you should be aware of. The Chase Hyatt card comes with a Category 1-4 night each anniversary year, which is worth the $75 annual fee. I've used this benefit to stay in hotels that ran $300 the night of use! The Hyatt card also comes with Discoverist status, which isn't incredibly rewarding, but does give you a 10% bonus on points earned, a free bottle of water, premium internet, waived resort fees on award nights, Pearl status with M Life, and 2 PM late check out.

The Chase Sapphire Reserve card is much more versatile, but comes with a $450 annual fee. You'll receive a $300 travel credit each cardmember year, Priority Pass Select membership for lounge access worldwide, a $100 Global Entry/TSA Pre-Check enrollment fee waiver, and the ability to transfer to a dozen Ultimate Rewards transfer partners at a 1:1 ratio.

If you're not excited by the $450 annual fee, the Chase Sapphire Preferred card is only $95 a year, and earns 2 Ultimate Rewards points per dollar and has a 50,000 point sign up bonus. However, there aren't any fancy bells and whistles, like $300 travel credit or Priority Pass membership.

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Best Sign Up Bonus

Finally, the Chase Ink Business Preferred card has a $95 fee, but currently has a 80,000 point bonus for spending $5,000 in 3 months. You'll earn 3 points per $1 on the first $150,000 spent in combined purchases in the following categories each account anniversary year:

  • Travel, including airfare, hotels, rental cars, train tickets, and taxis
  • Shipping purchases
  • Internet, cable and phone services
  • Advertising purchases made with social media sites and search engines

You'll also earn one point per dollar on everything else. The card is also a transfer partner at a 1:1 ratio with Hyatt, so this is actually the best sign up bonus currently for Hyatt points.

Overall

Hyatt is one of the best programs out there for redeeming miles. If you can swing Globalist status, it's my favorite top-tier elite status, with free full breakfasts, suite upgrades, no resort fees on any reservation, and free parking on award reservations. Redeeming points is a great way to see the world, and Hyatt's properties, like the Park Hyatt Maldives, are some of the best. Let us know in the comments if you love Hyatt, or use any of the cards above in your day-to-day lives!