At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X
Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.
For World of Hyatt fans, the World of Hyatt Credit Card is easily worth its $99 annual fee. Just the annual free night earned on each cardmember anniversary can provide that much value. Plus, cardholders will get automatic Discoverist World of Hyatt elite status with the ability to earn even higher elite status levels by spending on the card.
Not surprisingly, the Hyatt Credit Card offers bonus points on Hyatt stays. Cardholders earn 4X bonus points on Hyatt stays. Add in the 5X base points you earn as a World of Hyatt member and 10% elite status bonus points from Hyatt Discoverist status, and cardholders earn at least 9.5x World of Hyatt points per dollar spent at Hyatt properties.
Bonus points aren’t just limited to your Hyatt purchases. World of Hyatt Credit Card holders earn 2 Hyatt bonus points per dollar spent in the following categories: local transit and commuting; dining out at restaurants, cafes, and coffee shops; flights purchased directly from the airline; and fitness club and gym memberships. All other eligible purchases earn 1x Hyatt points.
Although Discoverist elite status is the bottom tier in the World of Hyatt program, it still offers valuable benefits like waived resort fees on free night awards, premium internet, preferred room upgrade, 2 pm late checkout, and bonus points when flying American Airlines.
But you don’t have to be content with Discoverist tier status. You can use the World of Hyatt Credit Card to earn even higher elite status in the World of Hyatt program. Each calendar year, World of Hyatt Credit Card cardholders will start with five qualifying night credits. Then you’ll earn two qualifying night credits for every $5,000 in purchases every calendar year.
Another reason to spend on the World of Hyatt Credit Card is to earn free night awards. Like many co-branded hotel cards, cardholders get one free night certificate every cardmember anniversary. However, World of Hyatt Credit Card account holders can also earn an extra free night certificate by spending $15,000 in a calendar year.
That means cardholders will get a total of two free nights and 11 qualifying night credits each year they spend $15,000 on the World of Hyatt Credit Card. That puts you more than one-third of the way to World of Hyatt Explorist status.
These free nights can are limited to Category 1-4 Hyatt properties. While that’s somewhat limiting, you still have plenty of options for redeeming your Hyatt free nights. For example, you can redeem your free night certificates at the Grand Hyatt Tampa Bay — a waterside Category 3 hotel that averages $266 per night.
World of Hyatt Credit Card holders are protected when traveling with extensive travel protections like trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, and travel accident insurance. Plus, the World of Hyatt Credit Card doesn’t charge foreign transaction fees.
Plus, you’ll get benefits from several partners. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.
Earn 6X when you book Marriott Bonvoy properties direct. Earn 2X on all other hotel bookings.
Marriott Bonvoy offers co-branded credit cards from two major issuers: American Express and Chase. With so many options to choose from, it can be hard to narrow down the right Marriott credit card for you. If you’re interested in a Marriott Bonvoy credit card but don’t necessarily want to pony up a huge annual fee, the Marriott Bonvoy Boundless Credit Card could be the perfect fit. This card provides an excellent introduction into earning a ton of Marriott points, from the welcome bonus earned upon account opening to the everyday rewards rate.
You’ll not only earn 6x points (up to 17X total Bonvoy points per dollar spent when including your Bonvoy program earnings) on eligible hotels participating in Marriott Bonvoy, but the Bonvoy Boundless credit card is a solid match for everyday purchases. Cardholders can earn 3x points per dollar on up to the first $6,000 spent in combined purchases at grocery stores, gas stations and dining. By maxing out that limit, you would earn 18,000 Marriott Bonvoy points alone from everyday spend! Not to mention, you’ll still earn 2x points per dollar on all non-bonus category purchases.
Once you rack up a sizable sum of Marriott Bonvoy points, you can redeem them at participating Marriott Bonvoy hotels, where the 5th night is always free on awards, adding to the value.
With 8,500 properties and counting, you can find a Marriott Bonvoy hotel at virtually every corner of the world. It’s easy to search for properties through Marriott’s website, then press “use points/certificates” to see the award rate for your desired travel dates.
Another huge perk to discuss is the card’s free night award. You’ll receive the annual free night certificate every account anniversary year, and the free night valued at up to 35,000 points can be a huge money-saver every year – especially since you can add on up to 15,000 points from your account if the room you want is between 35,000 and 50,000 points. As we value Marriott Bonvoy points at 0.6 cents apiece, this translates into roughly $210 in value — which is more than double the value of the $95 annual fee!
There are even more benefits once you get to participating Marriott hotels thanks to the card’s automatic elite status perks. You’ll be bumped up from your Marriott Bonvoy member account to Silver elite status with the automatic 15 elite night credits, and this level offers 10% bonus Marriott Bonvoy points (as reflected in the card’s rewards rate) and priority late check-out. You can easily bypass the ranks to earn Gold elite status by spending at least $35,000 on the card every year (although, at that point, you’d probably be better off with the premium Bonvoy Brilliant card which grants automatic Platinum status – admittedly for a high annual fee. This level can be particularly rewarding, thanks to enhanced room upgrades upon availability, 2 p.m. late checkout (based on availability), and 25% bonus points on eligible Marriott stays.
Last but not least, the Marriott Bonvoy Boundless credit card isn’t just a great pick for your hotel stays. When traveling, you’ll be covered with a plethora of protections, including trip delay reimbursement, lost luggage reimbursement, and secondary rental car coverage. Finally, some important purchase coverages that are standard with Chase are included, including purchase protection and extended warranty.
In summary, the Marriott Bonvoy Boundless credit card is a popular pick for the $95 annual fee. It’s easy for cardholders to justify paying this cost every year thanks to the free night award, and that’s before you consider all of the other benefits on the card.
However, if you’re interested in a higher elite status level, a free night valued up to 85,000 points per night, and the possibility to earn Marriott Bonvoy points faster, you may want to consider other Marriott Bonvoy credit cards like the Marriott Bonvoy Brilliant™ American Express® Card.