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Compare the Features and Benefits of World of Hyatt Credit Card and
The Platinum Card® from American Express

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Secondary Car Rental CDW Waiver
Grants Hotel Status
Extended Warranty
Purchase Protection
Trip Protections
Concierge Services
Free Annual Hotel Night
No Foreign Transaction Fees
Free Access to Credit Score
No Fees for Authorized Users
Airport Lounge Access
Annual Statement Credits
Grants Car Rental Status
Earns Transferable Points
Global Entry / TSA PreCheck Reimbursement
Return Protection
Cell Phone Protection
Has No Preset Spending Limit
Metal Card
Annual Fee
$95
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.24%-27.24% (Variable)
Balance transfers fees
-
Best Multiplier
4x Hotels

At Hyatt family hotels booked directly with Hyatt only; Otherwise earn 1X

2x Airfare
2x Dining Out / Food Delivery
2x Gym Memberships
2x Transit
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
35,000 bonus World of Hyatt points when you spend $3,000 within 3 months. Then get an additional 1 bonus point per dollar on your first $15,000 in spend in categories that don’t otherwise earn bonus points within 6 months.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4) Our Review

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.

Review

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.

World of Hyatt status requirements

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.

A Hyatt member can redeem a World of Hyatt hotel Category 1-4 free night at Hyatt locations like the Grand Hyatt Tampa Bay.

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.

Get a free year of DoorDash DashPass through the World of Hyatt Card.

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Concierge Services
yes
Free Annual Hotel Night
yes
No Foreign Transaction Fees
yes
Free Access to Credit Score
yes
No Fees for Authorized Users
yes
Airport Lounge Access
no
Annual Statement Credits
no
Grants Car Rental Status
no
Earns Transferable Points
no
Global Entry / TSA PreCheck Reimbursement
no
Return Protection
no
Cell Phone Protection
no
Has No Preset Spending Limit
no
Metal Card
no
Annual Fee
$695 (Rates and fees)
Avg. Min. Credit Score
670-850 *
Ongoing APR
See Pay Over Time APR
Balance transfers fees
-
Best Multiplier
5x Airfare

Earn 5x Membership Rewards points on airfare (booked directly with the airline or via AmexTravel.com and on prepaid hotels when booked via AmexTravel.com), up to $500,000 on these purchases per calendar year.

5x Hotels

Only when booked via AmexTravel.com; Otherwise, hotels will earn 1X points per dollar spent

1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer

Earn 80,000 Membership Rewards® Points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership. Terms apply.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.25) Our Review

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.

Review

In many ways, the American Express Platinum card is the crème de la crème of premium travel rewards credit cards. There are not only a laundry list of embedded perks — from hotel and rental car elite statuses to complimentary access to airport lounges through the Global Lounge Collection — but this card also can provide serious value in the form of statement credits with partner merchants. You can see the full list of benefits above.

Truth be told, it may require some work to fully maximize the card’s many perks but it shouldn’t be difficult to recoup at least some, if not all, of the card’s $695 annual fee (Rates and Fees).

An overhaul of the Platinum in 2021 showed Amex wanted to expand this card well beyond travel. While it’s unlikely the Platinum will ever fully shed its decades-long roots in the travel sphere, Amex also hopes to play a role at the top of your wallet whether you are at home or away.

Of course, on the travel front, the card still earns 5X on airfare purchased directly with the airlines or through the Amex Travel portal (on up to $500,000 of airfare purchases per calendar year), 5X on prepaid hotels, provides the most access to lounges of any card issuer, and has built-in travel protections and elite-status perks. This is on top of all the other relatively-recent lifestyle benefit additions — from Uber credits, Equinox credits, preferred restaurant reservations with Resy, and much, much more.

airfare-the-platinum-card-from-american-express

 

A few notes you need to know:

Amex now has language restricting you from getting the bonus on this Card if you have or have had this card OR have had this Card, the Platinum Card® from American Express Exclusively for Charles Schwab, the Platinum Card® from American Express Exclusively for Morgan Stanley or previous versions of these Cards.

Additional Platinum cards are $195 each.

If you want an Authorized User card with none of the benefits, that is still available as the “Companion Platinum Card.” They will simply be able to make charges that post to your account.

Bottom Line:

While the Platinum is a solid choice for most cardholders looking to level up their travel experience, consider other options from both Chase and Capital One including the $550-per-year Chase Sapphire Reserve and $395-per-year Capital One Venture X credit card.

Rates and Fees for the The Platinum Card® from American Express

Read more
Unique Card Benefits
yes
Secondary Car Rental CDW Waiver
yes
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Concierge Services
yes
Free Annual Hotel Night
no
No Foreign Transaction Fees
no
Free Access to Credit Score
no
No Fees for Authorized Users
no
Airport Lounge Access
yes
Annual Statement Credits
yes
Grants Car Rental Status
yes
Earns Transferable Points
yes
Global Entry / TSA PreCheck Reimbursement
yes
Return Protection
yes
Cell Phone Protection
yes
Has No Preset Spending Limit
yes
Metal Card
yes

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