Is a credit score of 650 good enough?
0
UpvotesReply
Hector Molina
Don't think so. It's not “good” credit. Mine was 651 and I got turned down.
The World of Hyatt Credit Card
The World of Hyatt Credit Card
Earn 30,000 Bonus Points
after you spend $3,000 on purchases in your first 3 months from account opening.
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Sponsored Card
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Earn 30,000 Bonus Points
after you spend $3,000 on purchases in your first 3 months from account opening.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$95
Rewards
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent
Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
Earn up to 9 points total for Hyatt stays - 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
APR on Purchases
16.24% - 23.24% (V)
Balance Transfer
APR: 16.24% - 23.24% (V)
Balance Transfer Fee
Editor's Take
by John Kiernan
May 9th, 2022
Hyatt Credit Card Pros & Cons
High rewards rate
30,000 points initial rewards bonus
No foreign fee
Reports to the three major credit bureaus
Membership fees
No intro APR on purchases
No intro APR on balance transfers
Hyatt Credit Card's Additional Info
| cash advance fee | Either $10 or 5% of the amount of each transaction, whichever is greater. |
| cash advance APR | 25.24% (V) |
| foreign transaction fee | $0 |
| smart chip | Yes, chip-and-PIN |
| max late fee | See Terms |
| max overlimit fee | See Terms |
| max penalty APR | 29.99% (V) |
| grace period | See Terms |
Questions & Answers
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Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Purchase Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Transfer Intro APRNot Offered
Regular APR16.24% - 23.24% (V)
Regular APR16.24% - 23.24% (V)
Regular APR16.49% - 25.49% (V)
Rewards Rate1 - 4 points / $1
Rewards Rate1 - 3 points / $1
Rewards Rate3 - 7 points / $1
People Also Apply For
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Hyatt Credit Card Reviews
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3.8
249 reviews
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4 Star Rating
This Hyatt Credit Card is one of my favorite. There is no annual fee for the first year and every year after that it's only $75. If you travel a lot and often stay in hotels and eat out at restaurants this is the card for you. The Hyatt Credit Card has an excellent point system where you gain points that you can use and redeem for hotel stays! If you spend $1000 within the first 3 months of having your Hyatt Visa you will be rewarded with 2 free nights of a hotel stay. This is really great for me because my husband and I do A LOT of traveling with our kids so to rack up points just for checking into our room and using this specific card is a win win situation for our family. You are also able to use the card for cash advances and you have a 21 day grace period for paying the monthly bill. Overall I would highly recommend this card if you travel often.
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4 Star Rating
I was a little wary about the Hyatt credit card at first because of the annual fee, in comparison to other travel cards I have. Once I started using it on my travels, I found out it had some great perks to them and overall not too shabby. I received enough points for a free night, and was given another free night on the anniversary date of my card. It ended up paying for the annual fee and more. I think it is easier to attain some of the bonuses compared to the other cards I have had, and it is good for people who haven't had extensive experience with travel cards. It is pretty straight-forward and easy to use, and I definitely got my money's worth out of it since I like to stay at Hyatt hotels.
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4 Star Rating
The Hyatt credit card is a great steal for those who travel frequently. There is an annual fee of $75 but that is offset by the 1 free room on your anniversary of holding the card. The 29.99% APR is somewhat high but if you are paying balances and gaining rewards this is not an issue. There is no foreign transaction fee, which is a plus when traveling abroad. Also, with the great perk offered you can process balance transfers and cash advances if needed. I also love the fact that you earn points on everything that you purchase and extras on restaurants, hotels, car rentals and airlines.
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5 Star Rating
The Hyatt credit card is good for frequent travelers and even with the $75 annual fee it is still a great rewards card. If you frequently stay at Hyatt properties it will be easy to rack up points for free nights. This card is similar in rewards to the American Express Gold card which gives $500 back after spending $1000 in the first three months, or the Citi Thank you card which gives bonus Thank You points each year on your card member anniversary. I like that with the card you don't have to pay a resort fee when redeeming. Another perk is no limits to the points you can earn. The Discover card has limits as to how much spending goes towards the extra 5% bonus each quarter in rotating categories. I like the ability to earn unlimited points. At 3 points per dollar through Hyatt and unlimited points, it will be easy to rack up quite a few free hotel nights. Overall I think this card is definitely worth the annual fee. Especially since the fee doesn't kick in until the second year, so you can try it out for a year to see if it works for you.
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3 Star Rating
This is a great card for people that travel frequently, particularly for businesspeople. The free nights really start to add up if you frequently stay at hotels in the Hyatt chain, making it well worth having. You get one night for every 5000 points that you accumulate, and you accumulate points fairly rapidly just from normal travel accomodations. The big issue with this card for people that do not travel a lot is the annual fee, which is fairly high compared to the Mariott or Hilton credit cards. If you normally stay at hotels in the Hyatt line on a regular basis, however, this is a must-have.
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4 Star Rating
The Hyatt credit card seems like a wonderful card for those who like to travel and prefer to stay in familiar hotels. Hyatt owns properties around the world, so finding a Hyatt hotel should never be a problem, regardless of travel plans. This card requires excellent credit and charges an annual fee beginning the second year, but other than that I believe the benefits far outweigh the costs. Earn free nights easily, even a free one on your cardmember anniversary, simply for keeping your account in good standing. There are no limits to the points you can earn on this account, so if you decide to pay all of your bills with this card, you can easily rack up enough free nights and points to go on an entire vacation without ever having to worry about hotels. The reliability of the Visa network helps to alleviate any worries and confirms that you can use this card around the world if your trips take you in such directions. Overall, for a frequent traveler or someone who wants to become one, this card can lead to many great memories.
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4 Star Rating
The Hyatt Credit Card is a good card for someone who spends a good amount of time traveling and frequently stays at Hyatt Hotel properties and seems to be a good entry level hotel rewards credit card for people who are looking to maximize their rewards potential. Compared to the Hilton HHonors Credit Card, the Hyatt card offers rewards at a lower buy in requiring only $1,000.00 in purchases over the first 3 months vs. the $2,500.00 requirement for the Hilton HHonors card. The annual fee for the Hyatt card is only $75.00 compared to the $95.00 for the Hilton HHonors card. Overall, I would say this is a great card for people who frequently stay in Hyatt properties, but may not offer as much reward to those who don't.
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4 Star Rating
The Hyatt credit card is an exceptional value for travelers who frequent Hyatt properties. The value of many of these rewards would far exceed the cash back bonus offered by Discover card. The rates for this card seem comparable to other cards I have used. However, the annual fee of $75 would need to be considered when signing up for this card. The 2 Free Nights after spending $1,000 within the first 3 months would be easy to obtain for some users and more difficult for others. In short, only the highest consumers of Hyatt properties would get the greatest benefit from this card.
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4 Star Rating
Hyatt's credit card seems like a good card for only certain people. If you are a business man or woman or someone who travels a lot this card is a really good idea. All of the reward that you can receive have to do with a nice stay in a hyatt hotel. If you are someone who already stays in this or another great hotel I believe this credit card would be a good investment so you can get something back for all the money you spend on hotel stays. The yearly fee isn't too large and isn't applied until after the first year. I am not much of a traveler and I do not have the best credit score so this card would not be ideal for me.
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3 Star Rating
Hyatt's credit card is an extremely specific card, and I only recommend it to a select few and I will tell you why. The Hyatt is a pretty well known hotel company with locations all over which is convenient for the traveler which is the only person I would advise get this card. I am a person who likes to stay in one location and not travel to often so this is not the card for me, but if you like getting out and about, renting hotels this could be helpful. Pros are you get an initial bonus of 2 free nights which is really nice, and there is no initial annual fee, which leads me to the cons. Things I dislike about this is the annual fee of 75$ after year 1, and that to even be qualified to use this card you need Excellent credit. I prefer more rewarding cards with a wider range of options than this one, but I guess if you really do love the Hyatt then check this card out.
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Offer last updated: May 9th, 2022 at 18:25 ET