hyatt visa travel insurance

World of Hyatt Credit Card

  60K Bonus Points * Opens offer details overlay

Up to 9X Total points per $1 * Opens offer details overlay

  2X Bonus Points per $1 * Opens offer details overlay

New cardmember offer

Earn up to 60,000 bonus points.

after qualifying purchases. * Opens offer details overlay

At a glance

Turn your purchases into more free nights at hyatt with up to 9x total points per $1 spent at hyatt hotels & resorts. * opens offer details overlay.

Plus, get 1 free night and 5 tier qualifying night credits toward status each year. * Opens offer details overlay

Interest Rate

--> 21.49 Min. of (8.50+12.99) and 29.99 %– 28.49 Min. of (8.50+19.99) and 29.99 % variable APR. † Opens pricing and terms in new window

--> $95. † Opens pricing and terms in new window

Travel Credit Card Rewards & Benefits

New cardmember offer, up to 60,000 bonus points.

30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. * Opens offer details overlay 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. * Opens offer details overlay

This product is available to you if you do not have this card and have not received a new cardmember bonus for this card in the past 24 months.

EARN BONUS POINTS

Up to 9 total points per $1.

4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels. * Opens offer details overlay

Plus, up to 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member.

2 Bonus Points per $1

2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. * Opens offer details overlay

Plus, earn 1 Bonus Point per $1 spent on all other purchases. * Opens offer details overlay Points don't expire as long as your World of Hyatt Credit Card account is open. * Opens offer details overlay

ANNUAL FREE NIGHT

Get a free night every year.

Receive one free night at any Category 1–4 Hyatt hotel or resort every year after your cardmember anniversary. * Opens offer details overlay Plus , an extra free night at any Category 1–4 Hyatt hotel or resort if you spend $15,000 in a calendar year. * Opens offer details overlay

Explore Additional Benefits

Elevate your elite status opens drawer that reveals additional content, unlock a faster way to elite status.

• Receive World of Hyatt Discoverist status for as long as your account is open. * Opens offer details overlay
• You receive 5 qualifying night credits towards your next tier status every year. * Opens offer details overlay
• Earn 2 additional qualifying night credits every time you spend $5,000 on your card. * Opens offer details overlay

No foreign transaction fees † Refer to Pricing and Terms Opens drawer that reveals additional content

You will pay no foreign transaction fees when you use your card for purchases made outside the United States. † Opens pricing and terms in new window For example, if you spend $5,000 internationally, you would avoid $150 in foreign transaction fees.

Contactless - Just Tap To Pay Opens drawer that reveals additional content

For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol. For more information, please see www.chase.com/contactless Opens in a new window .

Travel & purchase coverage Opens drawer that reveals additional content

You're covered with built-in benefits

Baggage Delay Insurance

Reimburses you for essential purchases like toiletries and clothing for baggage delays over 6 hours by passenger carrier up to $100 a day for 5 days. ** Same page link to disclaimer

Lost Luggage Reimbursement

If you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you're covered up to $3,000 per passenger. ** Same page link to disclaimer

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per person and $10,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours, and hotels. ** Same page link to disclaimer

Purchase Protection

Covers your new purchases for 120 days against damage or theft up to $500 per claim and $50,000 per account. ** Same page link to disclaimer

Auto Rental Collision Damage Waiver

Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is provided for theft and collision damage for most cars in the U.S. and abroad. In the U.S., coverage is secondary to your personal insurance. ** Same page link to disclaimer

Visa Concierge

Get complimentary Visa Signature ® Concierge Service 24 hours a day. Find tickets to the top sports and entertainment events, make dinner reservations and even get help sending the perfect gift. * Opens offer details overlay

** Same page link to disclaimer reference These benefits are available when you use your card. Restrictions, limitations and exclusions apply. Most benefits are underwritten by unaffiliated insurance companies who are solely responsible for the administration and claims. There are specific time limits and documentation requirements. Once your account is opened we will send you a Guide to Benefits, which includes a full explanation of coverages.

Merchant offers Opens drawer that reveals additional content

Get one-year complimentary DashPass, a membership for both DoorDash and Caviar that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by 12/31/24. * Opens offer details overlay

Spend Instantly Opens drawer that reveals additional content

Apply for a card, use it the same day.

Receive instant access to your card by adding it to a digital wallet, like Apple Pay ® , Google Pay ™ or Samsung Pay. Find out how at chase.com/digital/spend-instantly Opens in a new window .

Chase Pay Over Time SM Opens drawer that reveals additional content

Chase Pay Over Time * Opens offer details overlay lets eligible Chase customers break up credit card purchases into budget friendly payments. There are two potential ways to pay over time:

After purchase: Pay off an eligible purchase you've already made of $100 or more * Opens offer details overlay in smaller, equal monthly payments. No Interest- just a fixed monthly fee † Opens pricing and terms in new window with plan durations that range from 3-24 months. Start a plan by selecting an eligible purchase with the "Pay Over Time" option next to the transaction amount in your credit card activity.

At checkout: Chase Credit card members may have the option to create a payment plan at checkout on Amazon.com. Orders totaling $50 or more * Opens offer details overlay using your eligible Chase credit card at Amazon.com could be eligible for Chase Pay Over Time. You will be able to view Chase Pay Over Time plan options (including the fixed APR and durations) at checkout.

Keep in mind: Even though you may have an eligible card, access to Chase Pay Over Time is not guaranteed. Your ability to create a Chase Pay Over Time plan is based on a variety of factors, such as your creditworthiness, credit limit and account behavior, and may change from time to time.

For more information on Chase Pay Over Time features, please visit chase.com/chasepayovertime Opens in a new window .

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Offer details, offers may vary depending on where you apply, for example online or in a branch, and can change over time. to take advantage of this particular offer now, apply through the method provided in this advertisement. review offer details before you apply..

30,000 Bonus Points After You Spend $3,000 On Purchases In The First 3 Months From Account Opening: The credit card is not available to either (i) current Cardmembers of this credit card, or (ii) previous Cardmembers of this credit card who received a new Cardmember bonus for this credit card within the last 24 months. To qualify for and receive your 30,000 Bonus Points, you must make Purchases totaling $3,000 or more during the first 3 months from account opening. ("Purchases" do not include balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable.) After qualifying, please allow 6-8 weeks for your Bonus Points to post to your World of Hyatt account. To be eligible for this bonus offer, account must be open and not in default at the time of fulfillment. Chase is not responsible for offer fulfillment. If your account is not open for at least 6 months, Hyatt and Chase reserve the right to deduct the Bonus Points from your World of Hyatt account. All World of Hyatt terms and conditions apply and are available at worldofhyatt.com/terms .

Earning Points: Rewards Program Agreement: For more information about the World of Hyatt ® Credit Card rewards program, view the latest Rewards Program Agreement (PDF) Opens in a new window . We will mail your Rewards Program Agreement once your account is established. If you become a Chase Online customer, your Rewards Program Agreement will also be available after logging in to chase.com Opens in a new window . How you can earn Bonus Points: You'll earn World of Hyatt Bonus Points on purchases of products and services, minus returns or refunds, made with a World of Hyatt ® Credit Card by you or an authorized user of the account. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count as a purchase and won't earn World of Hyatt Bonus Points: balance transfers, cash advances and other cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. 4 Bonus Points on Hyatt purchases: You'll earn 4 World of Hyatt Bonus Points for each $1 USD spent on purchases made at Hyatt hotels and resorts (including at participating restaurants and participating locations that are owned, managed, franchised or licensed by Hyatt Corporation or its subsidiaries or affiliates) and on FIND experiences purchased directly at hyatt.com/FIND . 2 Bonus Points on select categories and purchases: You'll earn 2 World of Hyatt Bonus Points for each $1 USD spent on purchases made in any of the following rewards categories: restaurants (excluding dining purchases that qualify for 4 Bonus Points as described above); airline tickets when purchased directly with the airline; local transit/commuting; fitness club and gym memberships. Through 12/31/2024, you'll earn 2 World of Hyatt Bonus Points for each $1 USD spent on Headspace subscriptions purchased on headspace.com . 2 Bonus Points on all other purchases until the earlier of the end of your first 6 months or first $15,000 spent: You'll earn 2 World of Hyatt Bonus Points for each $1 USD spent on all other purchases for the first 6 months from account opening, or until you reach $15,000 on those purchases, whichever occurs first. After that, you'll earn 1 Bonus Point: You'll earn 1 World of Hyatt Bonus Point for each $1 USD spent on all other purchases. Information about earning/transferring Bonus Points to Hyatt: You must be a World of Hyatt member to receive and use Bonus Points, Free Night Awards, or other World of Hyatt Program benefits. If you are currently a World of Hyatt member, Bonus Points you earn through your World of Hyatt ® Credit Card will be deposited into your World of Hyatt Program account as described below. If you are not already a World of Hyatt member, Chase will provide your information to Hyatt upon approval of your World of Hyatt ® Credit Card application and Hyatt will enroll you in the World of Hyatt Program. World of Hyatt Bonus Points earned through the World of Hyatt ® Credit Card can only be transferred to the primary card member's World of Hyatt Program account. World of Hyatt Bonus Points earned during a billing cycle will be automatically transferred to Hyatt after the end of each billing cycle and will be placed in the member's World of Hyatt account, at which point they will be available to be used. How you could lose Bonus Points that have not yet transferred to Hyatt: You'll immediately lose all World of Hyatt Bonus Points that haven't been transferred to your World of Hyatt Program account if your card account status changes, or your card account is closed for program misuse, fraudulent activities, failure to pay, bankruptcy, or other reasons described in the terms of the Rewards Program Agreement. Points expiration: The Bonus Points transferred to your World of Hyatt Program account won't expire as long as your card account is open. If your card account is closed, you will lose any unredeemed points (including Bonus Points) in your World of Hyatt Program account if you fail to have qualifying activity in the World of Hyatt Program at least once every 24 months. Please see the World of Hyatt Program Terms and Conditions at worldofhyatt.com/terms for details on how to keep your account active. Also, if your World of Hyatt Program account is terminated, any unredeemed points in your World of Hyatt Program account will be lost. Rewards Categories: Merchants who accept Visa/Mastercard credit cards are assigned a merchant code, which is determined by the merchant or its processor in accordance with Visa/Mastercard procedures based on the kinds of products and services they primarily sell. We group similar merchant codes into categories for purposes of making rewards offers to you. Please note: We make every effort to include all relevant merchant codes in our rewards categories. However, even though a merchant or some of the items that it sells may appear to fit within a rewards category, the merchant may not have a merchant code in that category. When this occurs, purchases with that merchant won't qualify for rewards offers on purchases in that category. Purchases submitted by you, an authorized user, or the merchant through third-party payment accounts, mobile or wireless card readers, online or mobile digital wallets, or similar technology will not qualify in a rewards category if the technology is not set up to process the purchase in that rewards category. For more information about Chase rewards categories, see chase.com/RewardsCategoryFAQs Opens in a new window . All World of Hyatt Program Terms and Conditions apply and are available at worldofhyatt.com/terms .

Free Night Award Every Cardmember Anniversary: To qualify for this Free Night Award, you must be the primary cardmember and your card account must be open and not in default at the time the award is issued. Please allow up to 10 weeks after your cardmember anniversary each year for your Free Night Award to be issued to you. ("Anniversary" is the date that is twelve months after your account open date, and the same date each twelve months thereafter.) This Free Night Award is good for one (1) night in any available standard room within 12 months from issuance at Hyatt hotels and resorts that are designated as Category 1 through 4 under the World of Hyatt program. Not valid at properties in any other category or at Miraval, Hyatt Zilara or Hyatt Ziva resorts. To find Category 1 through 4 hotels or resorts, visit worldofhyatt.com . An authorized user will not receive this Free Night Award. Hyatt reserves the right to reclassify any hotel or resort at any time for any reason in its sole discretion (provided that reclassification of a hotel or resort will not affect a previously booked award reservation). This Free Night Award must be redeemed for a reservation with a checkout date before the expiration date of the award. This Free Night Award cannot be redeemed for packages. Resort, destination, or facility fees, where charged by the applicable hotel or resort, will be waived for cardmembers for the specific redeemed Free Night Award (excluding Hyatt Residence Club resorts). In some instances, a hotel or resort may charge other fees (such as a "service fee" for room service) that are independent of any resort, destination, or facility fee charged by that hotel or resort. These fees will not be waived when redeeming a Free Night Award. Reservations for Free Night Award redemption are subject to availability and must be made in advance by visiting the My Awards page within your account at worldofhyatt.com , or by calling 888.75.HYATT or your nearest Hyatt Global Contact Center . Chase is not responsible for offer fulfillment. Except as otherwise expressly set forth here, redemption of this Free Night Award is subject to all terms applicable to Free Night Awards as set forth in the World of Hyatt terms and conditions, available at worldofhyatt.com/terms .

5 World of Hyatt Tier-Qualifying Night Credits Each Calendar Year: You, as the primary cardmember, will receive 5 World of Hyatt Tier-Qualifying Night credits in your World of Hyatt account within 8 weeks of your World of Hyatt Credit Card account open date. Every calendar year after your first year, you will receive 5 Tier-Qualifying Night credits within 8 weeks of January 1. To qualify for the 5 World of Hyatt Tier-Qualifying Night credits each January, your World of Hyatt Credit Card account must be open and not in default and you must be a member in good standing with the World of Hyatt program. World of Hyatt Tier-Qualifying Night credits are valid from the date of issuance through December 31st of the same calendar year. An authorized user will not receive the 5 World of Hyatt Tier-Qualifying Night Credits. World of Hyatt Tier-Qualifying Night credits will apply to achieving World of Hyatt status and milestone benefits applicable to Tier-Qualifying Night requirements (as outlined in the program terms). The 5 Tier-Qualifying Nights earned are not Free Night Awards. Chase is not responsible for offer fulfillment or the provision of or failure to provide the stated benefits and services.

Free Night Award After $15,000 in Purchases: As a one-time bonus each calendar year, you, as the primary cardmember, will earn a Category 1 through 4 Free Night Award after you spend $15,000 in purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. This Free Night Award is good for one (1) night in any available standard room within 12 months of issuance at Hyatt hotels and resorts that are designated as Category 1 through 4 under the World of Hyatt program. After qualifying, please allow up to 4 weeks for the Free Night Award to be issued to your World of Hyatt account at worldofhyatt.com . Not valid at properties in any other category or at Miraval, Hyatt Zilara or Hyatt Ziva resorts. To find Category 1 through 4 hotels or resorts, visit worldofhyatt.com . An authorized user will not receive this Free Night Award. Hyatt reserves the right to reclassify any hotel or resort at any time for any reason in its sole discretion (provided that reclassification of a hotel or resort will not affect a previously booked award reservation). This Free Night Award must be redeemed for a reservation with a checkout date before the expiration date of the award. This Free Night Award cannot be redeemed for packages. Resort, destination, or facility fees, where charged by the applicable hotel or resort, will be waived for cardmembers for the specific redeemed Free Night Award (excluding Hyatt Residence Club resorts). In some instances, a hotel or resort may charge other fees (such as a "service fee" for room service) that are independent of any resort, destination, or facility fee charged by that hotel or resort. These fees will not be waived when redeeming a Free Night Award. Reservations for this Free Night Award redemption are subject to availability and must be made in advance by visiting the My Awards page within your account at worldofhyatt.com , or by calling 888.75.HYATT or your nearest Hyatt Global Contact Center . Except as otherwise expressly set forth here, redemption of a Free Night Award is subject to all terms as set forth in the World of Hyatt terms and conditions, available at worldofhyatt.com/terms . Chase is not responsible for offer fulfillment or the provision of or failure to provide the stated benefits and services.

Discoverist Status: The primary cardmember will receive Discoverist status in the World of Hyatt program as long as their World of Hyatt Credit Card is open and not in default and the cardmember complies with the World of Hyatt terms and conditions (available at worldofhyatt.com/terms ). An authorized user will not receive Discoverist status or associated benefits in the World of Hyatt program as a result of his or her designation as an additional authorized user of the World of Hyatt Credit Card (provided that (s)he may independently enroll in and earn Discoverist status in the World of Hyatt program as otherwise set forth in the World of Hyatt program terms and conditions).

Earn Additional World of Hyatt Tier-Qualifying Night Credits For Every $5,000 in Purchases: You, as the primary cardmember, will earn 2 World of Hyatt Tier-Qualifying Night credits for every $5,000 in Purchases. Purchases are when you, or an authorized user, use a card to make purchases of products and services, minus returns or refunds. Buying products and services with your card, in most cases, will count as a purchase; however, the following types of transactions won't count: balance transfers, cash advances, travelers checks, foreign currency, money orders, wire transfers or similar cash-like transactions, lottery tickets, casino gaming chips, race track wagers or similar betting transactions, any checks that access your account, interest, unauthorized or fraudulent charges, and fees of any kind, including an annual fee, if applicable. Chase and Hyatt have the right to determine which purchases qualify for this offer. Chase and Hyatt reserve the right to change or end this offer at any time. There is no limit to the number of World of Hyatt Tier-Qualifying Night credits that you can earn. An authorized user will not receive World of Hyatt Tier-Qualifying Night Credits. World of Hyatt Tier-Qualifying Night credits will be credited to the calendar year in which the spend occurred. World of Hyatt Tier-Qualifying Night credits will apply to achieving World of Hyatt status and milestone benefits applicable to Tier-Qualifying Night requirements (as outlined in the program terms). Please allow up to 8 weeks from the last day of the calendar month when you qualify, for World of Hyatt Tier-Qualifying Night credits to be added to your World of Hyatt account. To qualify for the World of Hyatt Tier-Qualifying Night credits, your account must be open and not in default at the time of processing and fulfillment. Chase is not responsible for offer fulfillment or the provision of or failure to provide the stated benefits and services.

Concierge Service: Cardmembers are responsible for the cost of any goods or services purchased through Visa Signature Concierge.

Complimentary DashPass: When the membership is activated for the first time with a World of Hyatt Credit Card by 12/31/2024 you and your authorized user(s) will receive 12 months of complimentary DashPass for use on both the DoorDash and Caviar applications during the same membership period based on the first activation date. After the complimentary DashPass membership period ends, you and any authorized users will continue to be enrolled and charged the then current monthly DashPass rate for each membership activated. You can cancel anytime on DoorDash or Caviar. Membership period for all users on this credit card account will begin and end based on when the first user activates the membership on DoorDash or Caviar, regardless of when subsequent memberships are activated. The same log in credentials must be used on DoorDash and Caviar in order for the DashPass benefit to be used on both applications. To receive the membership benefits, the primary cardmember and authorized user(s) must first add their applicable Chase credit card as a default payment method on DoorDash or Caviar, and then click the activation button. Once enrolled in DashPass, you must use your World of Hyatt Credit Card for payment at checkout for DashPass-eligible orders to receive DashPass benefits. Benefits of DashPass include no delivery fee on orders above the minimum subtotal (as stated in the DoorDash and Caviar apps and sites) from DashPass-eligible merchants (amounts subject to change). However, other fees (including service fee), taxes, and gratuity on orders may apply. Current value of the DashPass membership is as of 04/01/2022. DashPass orders are subject to delivery driver and geographic availability. Membership must be activated with a United States address. Payment through third-party payment accounts, or online or mobile digital wallets (like Apple Pay and Google Pay), or memberships purchased through third parties are excluded from this offer. If you product change to another Chase credit card during the promotional period, your benefits may change. You may experience a delay in updating your applicable benefits on DoorDash or Caviar; please note, once you product trade, the benefits from your previous credit card are no longer available for your use. You can only access the benefits available with your current credit card. Mobile applications, websites and other information provided by DoorDash or Caviar are not within Chase's control and may or may not be available in Spanish. Chase is not responsible for the provision of, or the failure to provide, DoorDash or Caviar benefits and services. Your applicable Chase credit card account must be open and not in default to maintain membership benefits. See full DoorDash terms and conditions at: https://help.doordash.com/consumers/s/article/offer-terms-conditions?language=en_US . All deliveries subject to availability. Must have or create a valid DoorDash account. Qualifying orders containing alcohol will be charged a $0.01 Delivery Fee. No cash value. Non-transferable. See full terms and conditions at: help.doordash.com/consumers/s/article/offer-terms-conditions .

Cardmembers Eligible for Chase Pay Over Time: Eligible cardmembers are those with access to Chase Pay Over Time who use a participating Chase credit card for eligible purchases. Access to Chase Pay Over Time is not guaranteed, is based on a variety of factors such as creditworthiness, credit limit and account behavior, and may change from time to time. Participating Credit Cards for Chase Pay Over Time After Purchase: Participating Chase credit cards include most consumer credit cards and select small business credit cards. For a complete list of participating Chase credit cards, see "Which Chase credit cards are eligible to use Chase Pay Over Time after a purchase is made" at chase.com/personal/credit-cards/chasepayovertime/faqs/after-purchase Opens in a new window . Participating Credit Cards for Chase Pay Over Time at checkout on Amazon.com: Participating Chase credit cards include all credit cards except small business credit cards, Amazon Visa and Prime Visa cards, and Chase Mastercard credit cards. Purchases Eligible for Chase Pay Over Time Set Up After Purchase: Purchases of at least $100 are eligible, excluding certain transactions such as (a) cash-like transactions, (b) any fees owed to us, including Annual Membership Fees, and (c) purchases made under a separate promotion or special finance program. Eligible purchases will be identified within your transaction history on chase.com or the Chase Mobile App. Purchases Eligible for Chase Pay Over Time at Checkout on Amazon.com: Orders totaling at least $50 of eligible items on Amazon.com are eligible. Amazon may designate any item as ineligible, such as Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save. If your order includes a recurring subscription, then only the first month's subscription fee will be eligible. If available for your account, the option to choose "financing offers available" will appear at checkout. Amazon, the Amazon.com logo, the smile logo, and all related logos are trademarks of Amazon.com , Inc. or its affiliates.

The Contactless Symbol and Contactless Indicator are trademarks owned by and used with the permission of EMVCo, LLC.

The trademarks World of Hyatt ® , Park Hyatt ® , Grand Hyatt ® , Hyatt Regency ® , Hyatt ® , Hyatt Vacation Club ® , Hyatt Place ® , Hyatt House ® , Miraval ® , Alila ® , Andaz ® , Thompson Hotels ® , Dream ® Hotels, Hyatt Centric ® , Caption by Hyatt ® , The Unbound Collection by Hyatt ® , Destination by Hyatt ® , JdV by Hyatt ® , Impression by Secrets, Hyatt Ziva ® , Hyatt Zilara ® , Zoëtry ® Wellness & Spa Resorts, Secrets ® Resorts & Spas, Breathless Resorts & Spas ® , Dreams ® Resorts & Spas, Hyatt Vivid Hotels & Resorts ™ , Alua Hotels & Resorts ® , Sunscape ® Resorts & Spas, and related marks are trademarks of Hyatt Corporation or its affiliates.

WORLD OF HYATT PROGRAM INFORMATION

Receipt and use of any World of Hyatt ® program points, awards or benefits require membership in the World of Hyatt program. All World of Hyatt points earned through use of the World of Hyatt Credit Card are "Bonus Points" as defined in the World of Hyatt terms and conditions. All participation in the World of Hyatt program, including accrual and redemption of Bonus Points, Free Night Awards, Tier Qualifying Night Credits and receipt of membership benefits, is subject to the terms and conditions of the World of Hyatt program. Visit worldofhyatt.com/terms for complete terms and conditions of the World of Hyatt program. Terms and conditions of the World of Hyatt program may be modified and offers, services, and benefits may be added or deleted at any time as described in the World of Hyatt program terms and conditions. Additional authorized users will not be enrolled in the World of Hyatt program as a result of this offer. World of Hyatt Bonus Points awarded through the use of an authorized user's card will only be credited to the primary cardmember's World of Hyatt account. Authorized users will not be eligible for elite status in the World of Hyatt program, or associated benefits, based on their use of the primary cardmember's World of Hyatt Credit Card.

Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC. Accounts subject to credit approval. Restrictions and limitations apply. Offer subject to change.

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• Chase Hyatt Credit Card

10 Valuable Benefits of the World of Hyatt Credit Card [2023]

Jarrod West

Senior Content Contributor

446 Published Articles 1 Edited Article

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Keri Stooksbury

Editor-in-Chief

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Stella Shon

News Managing Editor

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Table of Contents

World of hyatt benefits, 2. annual free night certificate, travel and shopping protections, final thoughts.

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our  Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

The World of Hyatt loyalty program allows members to book award stays at Hyatt hotels around the world. It has been a tremendously popular program among miles and points enthusiasts because of its reasonable redemption rates and some fantastic properties.

The World of Hyatt Credit Card by Chase provides a great way to earn World of Hyatt points and offers several perks to improve your travel experience. Let’s take a look at what this card has to offer.

Hyatt might not have as many properties as Hilton or Marriott, but there are many reasons why you might want to get the World of Hyatt card.

Here’s the latest bonus information for the World of Hyatt card:

The World of Hyatt card offers a fast track to Hyatt elite status, an annual free night, and up to 9x points per $1 on Hyatt stays.

The World of Hyatt Credit Card makes your Hyatt stays more rewarding and helps you get coveted World of Hyatt elite status faster. This card is a must-have for any traveler who regularly stays at Hyatt hotels, or even for anyone who’s able to take advantage of the card’s annual free night certificate.

When you factor in all the benefits the World of Hyatt card offers, it’s easy to see why it is one of the best co-branded hotel credit cards on the market.

• Up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
• 2x points per $1 at restaurants, on airline tickets purchased directly from the airline, local transit, rideshares, and fitness clubs/gym memberships
• 1x point per $1 on all other purchases
• $95 annual fee
• 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 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt 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
• Member FDIC
• APR: 21.49% - 28.49% Variable
• Foreign Transaction Fees:  None

World of Hyatt

1. Earn More World of Hyatt Points

When you use the World of Hyatt card, you will earn 9x points at Hyatt hotels, including restaurants and spas, that can then be used to book award stays at Hyatt brands such as Grand Hyatt, Park Hyatt, and Andaz Hotels — even luxury properties .

You’ll also earn 2x points on purchases at restaurants, flights (purchased directly from the airline), fitness clubs and gym memberships, and local transit and rideshare purchases. All other purchases will earn 1x point per dollar spent.

Check out some amazing ways to redeem your World of Hyatt points for excellent award stays!

Every year you have the card, you will receive an annual free night certificate after your account anniversary. These certificates can be redeemed at any Category 1-4 Hyatt hotel or resort in the Hyatt portfolio.

Hyatt has some fantastic Category 4 hotels from which to choose, so you won’t have any problems finding a fun way to use your annual free night certificate. For example, you could visit Cambodia and stay at the Park Hyatt Siem Reap or visit Melbourne, Australia, and stay at the Grand Hyatt Melbourne.

Hot Tip:  Don’t miss our article on the best ways to use a Hyatt Category 1-4 free night certificate !

3. Complimentary Discoverist Status

In addition, cardholders will receive complimentary Discoverist status in the World of Hyatt program as long as they keep the card open. Discoverist status can also be earned by staying 10 qualifying nights at Hyatt properties or earning 25,000 base points.

As a Discoverist, you will earn 5x points with Hyatt, plus a 10% bonus, for a total of 5.5x points . Hyatt Discoverist status includes benefits like 2 p.m. late checkout, preferred room upgrades, and elite check-in.

4. Complimentary Elite Night Credits

The World of Hyatt card boosts you towards achieving higher levels of elite status each year by starting you out with 5 elite night credits just for being a cardholder .

The World of Hyatt program has 3 elite status tiers: Discoverist, Explorist, and Globalist. All World of Hyatt cardholders receive automatic Discoverist status, while Explorist status and Globalist status require 30 elite nights and 60 elite nights, respectively.

Thanks to the 5 elite night credits from your World of Hyatt card, you’ll actually need just 25 elite nights each year to reach Explorist status and 55 elite nights to reach Globalist status.

5. Spend Your Way to Elite Status

As if the 5 annual elite night credits weren’t enough, the World of Hyatt card also gives you 2 elite night credits for every $5,000 you spend on the card . This means you can effectively spend your way to higher levels of Hyatt elite status without staying in Hyatt hotels.

Consider an example where a cardholder spends $20,000 on their World of Hyatt card throughout the year, about $1,667 a month, from a combination of Hyatt stays and their everyday purchases. This amount of spend would earn them 8 elite night credits, which, combined with the 5 elite night credits you receive for holding the card, brings you to 13 elite night credits.

With 13 elite night credits in tow, this brings the number of elite nights needed through actual Hyatt stays down to 17 nights for Explorist status and 47 nights for Globalist status. Put simply, the World of Hyatt card makes achieving higher levels of elite status much easier.

6. Earn an Extra Free Night Certificate

Want to earn an extra free night certificate? The World of Hyatt card allows you to do just that when you spend $15,000 on your card in a calendar year , and just like the free night certificate that comes with the card, it can be redeemed at any Category 1-4 Hyatt hotel or resort.

Like many credit cards provided by Chase, you have access to several travel protections with the World of Hyatt card.

Even when you’re not traveling, the World of Hyatt card can help ensure you can protect those purchases from some unfortunate circumstances.

7. Baggage Delay Insurance

No one wants to arrive at their destination only to discover their bags have been delayed. However, with the World of Hyatt card, you will be covered if your bags are delayed by at least 6 hours.

If this situation arises, Chase will reimburse you up to $100 daily for essentials (e.g., clothing and toiletries) for up to 5 days.

8. Lost Luggage Reimbursement

Even worse is when an airline loses your luggage and leaves you without any clothes for vacation or work meetings. With the lost luggage reimbursement benefit, Chase will cover you and any immediate family for lost luggage — whether it’s a carry-on or checked bag.

This benefit also covers damaged luggage and provides you and your immediate family with up to $3,000 in coverage.

9. Trip Interruption and Cancellation Insurance

If you have a vacation or work trip interrupted or canceled because of an illness, bad weather, or other situation as specified in the terms of the benefit, you could be eligible for reimbursement.

In these cases, you could be reimbursed for prepaid, non-refundable travel expenses up to $5,000 per person and up to $10,000 per trip.

10. Purchase Protection

With purchase protection, you can count on coverage against theft or damage to your new purchases for up to 120 days. You can file for up to $50,000 per account and up to $500 per claim.

For World of Hyatt loyalists, there is no better card to hold in your wallet than the World of Hyatt card . Using it will help you earn more World of Hyatt points each year, earn free night certificates, and reach higher levels of elite status within the World of Hyatt program.

You can then use your war chest of World of Hyatt points to book free nights at fantastic Hyatt hotels and enjoy those stays even more by receiving perks like late checkout and room upgrades thanks to your new Hyatt elite status.

Frequently Asked Questions

Do points earned with the world of hyatt card count toward elite status.

No. Points earned with the World of Hyatt card can be redeemed for award stays, but they aren’t base points that help you earn status. However, every $5,000 you spend on the card will earn you 2 elite night credits toward your next elite status level.

Can you transfer World of Hyatt points to airlines or other hotels?

You can transfer World of Hyatt points to airline partners, but the transfer rates are very poor. You’ll be better off using them to book award stays at Hyatt properties.

What points can be transferred to World of Hyatt points?

World of Hyatt is one of Chase’s hotel partners, and you can transfer Chase Ultimate Rewards to World of Hyatt at a 1:1 ratio. These transfers process almost instantly. Bilt Rewards is also partners with Hyatt.

Is the World of Hyatt card worth it?

If you’re someone who visits Hyatt hotels at least a few times a year and you see the value in having World of Hyatt Discoverist status, an annual free night certificate, and all of the other benefits that the card offers, then yes, the World of Hyatt card is definitely worth having.

What credit score is needed for the World of Hyatt card?

No set credit score will guarantee your approval for the World of Hyatt card. However, if you have a credit score higher than 700, 2 years or more of clean credit history, and are under the Chase 5/24 rule , you should feel good about your chances of being approved for the card.

Do World of Hyatt members get free breakfast?

World of Hyatt members receive free breakfast at select Hyatt-branded hotels, including Hyatt Place, Hyatt House, and the all-inclusive Hyatt Ziva, Hyatt Zilara, and Miraval properties.

Free breakfast is not included at any other Hyatt hotels unless you are a World of Hyatt Globalist member.

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About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 6 years. He earns and redeems over 1 million points per year and his work has been featured in outlets like The New York Times.

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World of Hyatt Travel Protection Perks Review

It is no secret that I am a World of Hyatt credit card lover.  I think Chase did a great job when launching this card. Even if they flubbed it on the British Airways card recently .  One thing I never really dug into on the card were the travel protections.  To be honest the World of Hyatt credit card travel protections are pretty decent. Especially when you consider that the card only comes with a $95 annual fee.  Without further ado here is my World of Hyatt travel protection perks review.

World of Hyatt Travel Protection Perks Details

Here is the breakdown of the World of Hyatt credit card ‘s travel protections:

Trip Cancellation / Trip Interruption Insurance If your trip is canceled or cut short by sickness, severe weather and other covered situations, you can be reimbursed up to $5,000 per trip for your pre-paid, non-refundable travel expenses, including passenger fares, tours and hotels.

Trip delay reimbursement if your common carrier travel is delayed more than 12 hours or requires an overnight stay, you and your family are covered for unreimbursed expenses, such as meals and lodging, up to $500 per ticket., travel accident insurance when you pay for your air, bus, train or cruise transportation with your card, you are eligible to receive accidental death or dismemberment coverage of up to $500,000., lost luggage reimbursement if you or an immediate family member check or carry on luggage that is damaged or lost by the carrier, you’re covered up to $3,000 per passenger., baggage delay insurance reimburses you for essential purchases like toiletries and clothing for baggage delays over six hours by passenger carrier up to $100 a day for five days., auto rental collision damage waiver decline the rental company’s collision insurance and charge the entire rental cost to your card. coverage is provided for theft and collision damage for most cars in the u.s. and abroad. in the u.s., coverage is secondary to your personal insurance., quick breakdown of the perks.

Those are all pretty good for a mid tier card.  The auto rental coverage is secondary which is offered by many cards but the rest is above average when compared to similar cards. Premium cards will over coverage after a 6 hour delay but a 12 hour delay is as good as it gets in this price point.

The nice thing is that the World of Hyatt credit card earns 2 points per dollar on most travel categories like airline tickets booked directly with the airline and transit. That puts it on par with the Chase Sapphire Preferred as far as earning rates go.

Other Comparable Options

The other competitors in the space are pretty much other Chase cards. Citi just threw a grenade into their travel protections making their “travel” cards worthless for travel bookings.  American Express doesn’t offer much of anything, even on their $550 Amex Platinum card which is downright criminal in my book.

Expensive Cards

There are a few cards with a large annual fee that offer great travel insurance.  They all come with primary rental coverage and trip delay insurance that kicks in after 6 hours.  Trip cancellation insurance is also included but it varies in dollar volume by each card:

• Chase Sapphire Reserve
• Ritz Carlton Visa  (no longer available to sign up for)
• Visa Crystal Infinite
• Altitude Reserve

These are all excellent options but it is kind of like comparing apples to oranges so let’s take a look at the World of Hyatt card’s competition.

United Explorer Card

The United Explorer card comes with very similar protections.  The trip insurance is $1,500 per person with a cap of $6,000 per booking versus a flat $5,000 for the World of Hyatt card. United’s card also comes with primary car rental insurance which is a big plus.  That means you won’t need to contact your insurance company to file a claim.  This is a huge perk for anyone that lives in a city and doesn’t own a car. Where the United Explorer card falls short is on the earn side.  Their miles are not as valuable as Hyatt points and the bonus categories are not as rewarding.

Chase Sapphire Preferred

The Chase Sapphire Preferred is the other main contender.  It does have earning rates that compare to the World of Hyatt card, except for Hyatt stays.  But the earning rate would be considered a little better since it earns transferable points .  The baggage delay is now 12 hours like the World of Hyatt card and the baggage delay is 6 hours as well.  The CSP does have larger coverage for trip cancellations at 10K per person, 20K per trip.  It also has primary car rental insurance. This is the best overall option if you were deciding between the three but it is also the toughest card to get .

Final Thoughts

When comparing the three cards I will say the Chase Sapphire Preferred offers the best travel protections and better overall earning rates. The United Explorer has a slight edge in travel protections over the World of Hyatt card as well with primary car rental insurance.

If you don’t rent cars often, like me , then I think the World of Hyatt could be a better fit than both of them.  It offers the ability to gain elite night credits. The card also comes with a yearly anniversary night plus a chance to earn a second one after $15,000 in spend.  That is more value than the other two cards can offer on a year to year basis.

If you are stuck in Chase 5/24 purgatory , like me, and don’t currently have a Chase Sapphire Preferred or Reserve but have a World of Hyatt card in your wallet it is a solid option.  I plan on forgoing some better earning rates with my Amex Platinum card to book my flights with my World of Hyatt card going forward.  Especially when I am flying Spirit so I don’t have to deal with the same situation my mom did .

You may want to consider using your World of Hyatt card for future travel bookings if you don’t have one of the better cards listed above.

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For trip delay, and lost or delayed bag, is it ok to pay the award fees only to receive the coverage?

Yeah only a portion of the flight needs to be paid with the card.

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The world of hyatt credit card review: a low annual fee hotel card with elite status, select reviews all the benefits of the world of hyatt credit card, so you can decide if this hotel rewards card with a low annual fee and automatic elite status is right for you..

For travelers looking to get more bang for their buck on their next hotel stay, there's a credit card for you.

If you frequent Hyatt hotels, such as the Grand Hyatt, Hyatt House or Andaz, and want to benefit from your loyalty, you might want to consider the The World of Hyatt Credit Card by Chase. For a $95 annual fee, you can receive World of Hyatt Discoverist status and other premium travel perks.

This card makes the list of our top picks for best hotel credit cards because of its low annual fee and automatic elite status.

To make sure you're choosing the best hotel card for your needs, Select analyzed 11 popular hotel credit cards that offer high rewards rates on purchases made with the brand. We compared each card on a range of features, including travel rewards, annual fee, welcome bonus, introductory and standard APR, one-time perks, annual perks, redemption rates, as well as factors such as required credit and customer reviews when available. (See our methodology for more information on how we choose the best cards.)

Below, we break down the The World of Hyatt Credit Card's rewards, benefits and fees to help you decide if it's the right card for you.

Latest:  Chase and Hyatt release limited-time offers to help you earn loyalty status faster

World of Hyatt Credit Card review

Additional benefits, bottom line, the world of hyatt credit card.

Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member

Welcome bonus

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.

Regular APR

21.49% - 28.49% variable

Balance transfer fee

Either $5 or 5% of the amount of each transfer, whichever is greater.

Foreign transaction fee

Credit needed.

Excellent/Good

Member FDIC. Terms apply.

• Two free night awards: one every account anniversary and one after you spend $15,000 during an anniversary year
• World of Hyatt Discoverist status
• Receive 5 World of Hyatt qualifying night credits automatically each year (no spending required)
• Earn 2 World of Hyatt qualifying night credits every time you spend $5,000
• Travel protections: baggage delay insurance, lost luggage reimbursement, trip cancellation/trip interruption insurance, 24/7 Visa concierge
• $95 annual fee
• No annual travel credits
• No introductory 0% APR
• Estimated points earned after 1 year: 81,312
• Estimated points earned after 5 years: 206,560

Rewards totals incorporate the points earned from the welcome bonus

The World of Hyatt Credit Card rewards

Hyatt offers a good rewards program, with bonuses on Hyatt purchases and select other categories: Earn up to 9X points total for Hyatt stays (4X Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 5X Base Points per $1 you can earn as a World of Hyatt member); 2X bonus points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting (taxis, mass transit, tolls and rideshare services) and gym memberships; and 1X bonus point per $1 spent on all other purchases.

The card also has a welcome bonus offer: 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.

Select calculated how many rewards the average American can earn if they optimize the way they use The World of Hyatt Credit Card. We worked with the location intelligence firm Esri , who provided us with a sample annual spending budget of $22,126.

The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953).

Here's how many points you can earn with the World of Hyatt Credit Card in each category:

• Groceries: 5,174
• Dining out: 7,349
• Travel: 8,833
• Utilities: 4,862
• General purchases: 3,953
• Total: 32,390

Based on the annual spending budget from Esri, the average American can earn an estimated 81,312 in points the first year of card membership (including the points earned from the welcome bonus) and an estimated 206,560 in points after five years with The World of Hyatt Credit Card. Extreme optimizers might be able to achieve more value, and you may earn a higher or lower return depending on your spending habits.

Your points don't expire as long as your account remains open.

The World of Hyatt Credit Card has a wide variety of premium perks that allow you to travel in luxury and benefit from insurance and purchase protections. Here are some of our favorites.

Up to two free nights: One night given annually on your account anniversary and the other night after you spend $15,000 during a year. This spend requirement is lower than some other hotels cards that require $60,000 to $75,000 in annual spending to qualify for a free night.

World of Hyatt Discoverist status: With automatic Discoverist status , you can take advantage of free breakfast at participating Hyatt Place hotels, waived resort fees on free night awards, a preferred room based on availability and more.

World of Hyatt qualifying night credits to achieve higher status: Receive 5 World of Hyatt qualifying night credits automatically each year (no spending required); and earn 2 World of Hyatt qualifying night credits every time you spend $5,000. A qualifying night is considered any night when you stay at a Hyatt property, pay an eligible rate or redeem a free night award, and use your World of Hyatt membership number with the reservation. You can be promoted to Explorist status once you've racked up 30 qualifying nights in a qualifying year. (Here's more information on the Hyatt Membership Program .)

Travel protections: Baggage delay insurance , lost luggage reimbursement and trip cancellation/trip interruption insurance.

Purchase protection: Covers your new purchases for 120 days against damage or theft.

Visa concierge: 24/7 complimentary Visa Signature ® Concierge Service helps you find tickets to the top sports and entertainment events, make dinner reservations and even shop for gifts.

Combine points to redeem an award: You can combine points with any other World of Hyatt member at no additional cost. Members can only transfer or receive points once every 30 days.

Terms apply for all benefits.

Though Hyatt's card comes with a $95 annual fee, that is on the lower end of hotel credit card annual fees and can be offset if you take full advantage of all the perks.

There is no introductory 0% APR period , and the regular variable APR is 21.49% - 28.49% on new purchases and balance transfers. A 5% fee (or $5 minimum) is charged for balance transfers, whichever is greater.

Travelers staying overseas can take advantage of no foreign transaction fees , which is a huge plus when venturing abroad.

The World of Hyatt Credit Card has both a competitive rewards program and premium perks for hotel guests. With free night stays at Hyatt properties starting at approximately 5,000 points, you can really score big using this hotel card. Cardholders also receive automatic higher membership status at Hyatt properties, which allows you to elevate your experience for a lower annual fee than most hotel loyalty credit cards.

For booking hotel stays at non-Hyatt hotels, consider a general travel credit card that rewards hotel purchases, like the Capital One VentureOne Rewards Credit Card , with 5X miles per dollar on hotel and rental cars booked through Capital One Travel and no annual fee.

Our methodology

To determine which cards will put the most money back in your pocket, Select evaluated popular rewards credit cards offered by major banks, financial companies and credit unions that allow anyone to join and offer bonus rewards on hotel-related purchases. We compared each card on a range of features, including travel rewards (points and miles), annual fee, welcome bonus, introductory and standard APR, one-time perks, annual perks, redemption rates, as well as factors such as required credit and customer reviews when available.

Select teamed up with location intelligence firm Esri . The company's data development team provided the most up-to-date and comprehensive consumer spending data based on the 2019 Consumer Expenditure Surveys from the Bureau of Labor Statistics. You can read more about their methodology here .

Esri's data team created a sample annual budget of approximately $22,126 in retail spending. The budget includes six main categories: groceries ($5,174), gas ($2,218), dining out ($3,675), travel ($2,244), utilities ($4,862) and general purchases ($3,953). General purchases include items such as housekeeping supplies, clothing, personal care products, prescription drugs and vitamins, and other vehicle expenses. CNBC Select used this budget to compare cards that reward specific purchases and estimate how many rewards the average consumer might earn.

We then estimated how many points the average consumer could earn over the course of a year, two years and five years, assuming they would attempt to maximize their rewards potential by earning all welcome bonuses offered and using the card for all applicable purchases.

For co-branded hotel cards, we only calculated the estimated number of points you can earn after one and five years. The dollar value of points depends on whether you redeem them for hotel stays, merchandise, gift cards and more.

It's important to note the value of a point or mile varies from card to card and based on how you redeem them, and this is especially true for co-branded hotel rewards cards.

Our final picks are weighted heavily toward the highest five-year returns, since it's generally wise to hold onto a credit card for years. This method also avoids giving an unfair advantage to cards with large welcome bonuses.

While the five-year estimates we've included are derived from a budget similar to the average American's spending, you may earn a higher or lower return depending on your travel habits.

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Earn more rewards with a World of Hyatt Credit Card

WORLD OF HYATT CREDIT CARD

Earn up to 60,000 Bonus Points

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 Points, on up to $15,000 spent.**

Get rewarded with every purchase and earn points toward free nights. 

**Offer Details  | †Pricing & Terms

$95 Annual Fee†

WORLD OF HYATT BUSINESS CREDIT CARD

After you spend $5,000 on purchases in your first 3 months from account opening.**

Welcome to rewards built around your business. 

***Offer Details  | ††Pricing & Terms

$199 Annual Fee††

Should you get travel insurance if you have credit card protection?

Editor's Note

Some credit cards offer built-in travel insurance as a cardholder benefit. And it may be tempting to rely on credit card travel protections instead of buying travel insurance. But, the entire point of travel insurance is to be covered if something goes wrong. So, you may be wondering whether you should buy travel insurance even if your credit card offers travel protection.

There isn't one answer that fits every traveler or situation. So in this guide, we'll explore some aspects you should consider, and I'll discuss my take on this topic. Let's dive in so you can make an informed decision for yourself.

Travel insurance you can buy

At a high level, you can pay a relatively small premium (compared to the total cost of your trip) to buy a travel insurance policy that may provide reimbursement or coverage for unexpected issues that affect your trip.

Many different types of protections fall under the term "travel insurance." Standard, comprehensive insurance policies typically include broad coverage across various potential issues.

But there are also policies that offer specific coverage. For example, it's possible to purchase travel insurance that only provides medical protection for international travel (such as GeoBlue ). Likewise, you can also purchase policies that allow you to select the protections you need (such as the build-your-own option with American Express Travel Insurance ).

We've previously compared the best travel insurance policies and providers . So, check out that guide to find the provider and policy that fits your needs best. You can also check a travel insurance aggregator to compare different policies quickly.

Most travel insurance policies exclude any loss incurred due to a preexisting medical condition. However, many policies include a process to obtain a waiver of the preexisting condition exclusion if you meet specific requirements. These requirements typically include purchasing the policy shortly after the first nonrefundable trip payment or deposit and being medically able to travel when you buy the policy. Some companies also require you to insure your trip's full, prepaid, nonrefundable cost to be eligible.

Likewise, all travel insurance policies have several exclusions. For example, most plans exclude medical benefits for injuries during adventure activities such as skydiving or skiing outside maintained trails.

Related: 7 things to look out for when buying travel insurance, according to an expert

Credit card travel protections

Some cards don't provide any special travel protections. But, many of the best travel rewards cards offer travel protections. Here's a look at our guides about some of the most common credit card travel protections:

• Trip delay reimbursement
• Baggage delay reimbursement
• Trip cancellation and interruption insurance
• Travel accident and emergency evacuation insurance

Check out our guide to the best cards that offer travel protections for more details on what card might be best for you. I also recommend reading the guide to benefits for your specific cards, as these documents will detail exactly what protections you can expect when you purchase travel with your card.

Note that some benefits require you to enroll — and virtually all require a formal claim process, with no reimbursement guarantee.

Related: Getting credit card travel insurance to cover the change fee on my Disney cruise

When to purchase travel insurance

Even if you have a credit card that offers travel protection, you may still want to purchase travel insurance for some trips. Here are some scenarios and trips for which it may make sense to purchase travel insurance.

Travel protections aren't offered

As discussed above, not all travel credit cards provide extensive travel protections when you book travel using the card. So, if you're using a card without travel protections or a card that only offers limited travel protections, you may want to purchase travel insurance .

Related: The best credit cards for booking flights

Some travelers aren't covered

Just because a card offers travel protections doesn't mean everyone traveling with you will be covered. In particular, travel protections usually only extend to select relatives of the cardholder. Your credit card's travel insurance may not cover friends, employees and all relatives.

Related: Who is covered by your credit card travel insurance?

Adventure activities

If you plan to partake in an activity that most insurance policies exclude, you may want to purchase a travel insurance policy that explicitly includes your activity of choice.

For example, many policies exclude adventure sports like base jumping, sky diving, free soloing, diving, mountaineering and paragliding. You may want to consider purchasing insurance from an association involved in your adventure activity, such as Divers Alert Network (DAN) if you're a diver or German Alpine Group (DAV) if you partake in alpine sports.

You're concerned about preexisting conditions

Most credit card trip interruption and cancellation insurance benefits exclude cancellations or interruptions caused by a sudden recurrence of a preexisting condition. So, you'll want to purchase travel insurance — and ensure you satisfy the provider's preexisting condition exclusion waiver conditions — if you want trip cancellation and interruption insurance that covers preexisting conditions.

Related: 7 times your credit card's travel insurance might not cover you

Nonmedical evacuation insurance

If you want evacuation insurance for nonmedical reasons, you should purchase travel insurance that offers this coverage even if you have a credit card with evacuation insurance .

Read the benefits guide closely, as evacuation benefits may not cover every evacuation you might need. For example, some policies don't cover evacuation from an area with a travel warning when you booked your trip or evacuation from a place suddenly inaccessible due to a landslide or other environmental incident.

Related: A Medjet medical transport membership is different from travel insurance

Cancel for any reason

Suppose you are uncertain whether you'll be able to take your trip, and you're worried that applicable credit card trip protections won't reimburse you if you decide to cancel or interrupt for a reason that isn't covered. In that case, you may want to purchase cancel for any reason trip insurance .

Related: 6 truths and myths about cancel for any reason travel insurance

You want peace of mind

Some travelers prefer to buy travel insurance — for each trip or via an annual travel insurance plan — for the peace of mind that having a travel insurance policy brings. Especially given the issues travelers have faced with a specific credit card insurance provider , it may be worth buying a travel insurance plan if you don't feel confident your credit card travel insurance and individual health insurance will combine to provide enough coverage during your trip.

Related: Here's why I buy an annual travel insurance policy, even though my credit cards offer travel protections

When credit card travel protections may be enough

Suppose you don't fall into any of the categories above and use one of the best credit cards with travel insurance when making travel purchases. In that case, you may determine that credit card protections are enough for some (or all) of your trips. However, I only recommend relying on credit card protections if you also have health insurance that will provide adequate coverage at your destination.

Below is a collection of reasons you can rely on credit card protections instead of purchasing independent travel insurance. If some (or most) of these reasons apply to your trip, it may be reasonable for you to rely on credit card protections instead of buying travel insurance:

• You have personal health insurance that will cover you on your trip, even if treatment is out of network at your destination
• You book your trip with a credit card that provides travel insurance
• You have a credit card that provides medical evacuation benefits during your trip
• You make refundable travel plans that you can cancel for little or no fee
• You tend to change your plans frequently or book travel at the last minute
• You have an emergency fund that can cover unexpected expenses if needed
• You have airline miles or transferable points you can use to leave the area or return home if needed.
• You avoid especially high-risk activities and destinations

The decision of whether to buy travel insurance is complex and personal. If you don't feel confident that your credit card protections and individual health insurance will provide adequate coverage, it's likely worth buying travel insurance.

Related: Why you might want to get a premium credit card instead of purchasing travel insurance

Why credit card travel insurance is usually enough for me

After researching the best travel insurance policies and providers , I purchased travel insurance for one specific trip because I wanted political evacuation coverage.

But for most of my trips, credit card protections and individual health insurance provide enough coverage for me. After all, my travel usually looks like the following:

• My flights are often award flights that I can cancel and redeposit free of charge — or ones that carry minimal change and cancellation fees
• My lodging can almost always be canceled without a penalty until shortly before my stay
• If I book a tour or activity, it's usually within a few days of said tour or activity (or offers free cancellation)
• My health insurance provides out-of-network coverage outside the U.S., so travel insurance would only pay for my deductible. In addition, my out-of-pocket maximum for out-of-network care is low enough to cover using my emergency fund
• I book flights and pay for the taxes and fees for award flights using the Ink Business Preferred® Credit Card , which provides excellent travel protections for a $95 annual fee card
• I have ample airline miles and transferable points that I can use to cover last-minute one-way flights if needed

As you can see, the benefits of purchasing travel insurance would be minimal for most of my trips. The travel protections I use most are trip delay protection and baggage delay protection , both of which the Ink Business Preferred Credit Card provides when I use it to pay for my flights.

Related: Why the Chase Sapphire Reserve and Ink Business Preferred combo is perfect for couples who travel

Bottom line

As you book trips, you may wonder whether you should purchase travel insurance. One way to decide is to consider whether you'd be adequately covered without purchasing travel insurance if the worst happens.

If you're willing and able to cover the costs in this situation — or you feel confident you'd be adequately covered by your credit card's travel protections and health insurance — then you may want to proceed without buying travel insurance. Otherwise, I recommend purchasing a travel insurance policy shortly after you make the initial payment for your trip.

The 4 best credit cards for Hyatt: Place to Park and everything in-between

Fortune Recommends™ has partnered with CardRatings for our coverage of credit card products. Fortune Recommends™ and CardRatings may receive a commission from card issuers.

Hyatt points consistently offer some of the best redemption value of any hotel loyalty program in the business so it’s no surprise that in the race for the best hotel credit card Hyatt is in the mix. And it all started back in 1957, when 35-year-old entrepreneur Jay Pritzker had an epiphany: as jet travel becomes more popular, an increasing number of travelers will want to stay in nice places near the airport. So he paid $2.2 million for an upscale motel called Hyatt House right by LAX, opened two more in San Francisco and Seattle, and the rest was history.

Today you can find more than 1,300 Hyatt properties in 76 countries, most of which are well beyond shouting distance of an airport. Despite Hyatt being relatively small compared to Hilton (7,000+ properties) and Marriott (nearly 8,700), the chain offers one of the most rewarding loyalty programs around. And, while there’s just one personal Hyatt co-branded card available as of this writing, there are multiple credit cards that let you transfer points to the Hyatt program .

To learn more about how we rate credit cards, see our credit cards methodology .

Overview of the 4 best credit cards for Hyatt of June 2024

• Best overall: World of Hyatt Credit Card

Best no-fee card: Bilt Mastercard

Best for general travel rewards: chase sapphire preferred® card, best premium rewards card: chase sapphire reserve®, best overall: the world of hyatt credit card.

Applying for the World of Hyatt Credit Card is virtually a no-brainer for anyone looking to stay at a Hyatt property more than once this year.

World of Hyatt Credit Card

Intro bonus.

Rewards Rates

• 4x 4X on Hyatt brand and FIND Experiences purchases
• 2x 2X points on airlines, commuting and transit, gym memberships, and restaurants
• 1x 1x points on all other purchases
• Discoverist status with the ability to spend towards higher status levels
• Robust travel protections
• Free night upon card renewal
• Limited redemption options outside of Hyatt
• Hyatt has a much smaller footprint than other hotel chains
• Anniversary night certificate is capped
• Additional perks: Trip cancelation/interruption insurance, auto rental collision damage waiver, purchase protection, ability to spend to higher status
• Foreign transaction fee: None

Why we like this card: While Hilton offers three personal credit cards in 2024 and Marriott offers five — or really, four, considering that the Bevy and the Bountiful provide pretty much the same rewards and perks but one is issued by American Express and one is issued by Chase — Hyatt has just one, the aptly-named World of Hyatt Credit Card. But this isn’t a sign of weakness, laziness or a failure to keep up with market trends. Rather, it’s a flex, like Hyatt is saying “this is all you need.” 

And there may be a point to that flex, since the World of Hyatt Card offers a welcome bonus of 30,000 bonus points after you spend $3,000 on purchases in your first 3 months (worth up to five free nights at a Category 2 property like Hyatt Place), 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.

Speaking of points, the World of Hyatt Card earns a total of 9X points per dollar spent on Hyatt purchases (an additional 4X on top of the 5X you’d earn just for being a world of Hyatt member), as well as 2X points on restaurants, directly purchased airfare, local transit, commuting and gym and fitness club memberships. 

If you think 9X sounds compared to the eye-popping 26X points per dollar you can earn with the IHG One Rewards Premier Credit Card card, remember that World of Hyatt points are some of the most valuable points in the business — with a Hyatt point you can often get anywhere from 1.5 cents to 3 cents each in value, whereas with IHG, you may be getting less than 1 cent per point.

Cardholders also enjoy instant Discoverist status, an annual free night at category 1-4 hotel (worth up to 15,000 points), an additional free night at category 1-4 hotel each year you spend $15,000, and five tier-qualifying nights to aid in your ascension to Explorist status. 

The World of Hyatt Card charges a $95 annual fee, but as long as you’re cashing in your free anniversary night, the card essentially pays for itself.

As much as we like this card, there are a few quirks and caveats to consider. First, your annual free night only works at a Category 1 through 4 resort, and you can’t just ask for points instead to apply toward a Category 5 through 8. Sure, there are plenty of nice properties at the Category 4 level (including Hyatt Centric Waikiki Beach and Hyatt Regency JFK Airport at Resorts World New York) but it’s still unfortunate Hyatt stiffs its luxury-minded clientele in this regard. 

In addition, instant Discoverist status isn’t quite as exciting as it sounds. On the plus side you’ll get Elite Check-In, 2 p.m. checkout as available and a preferred room upgrade (e.g. corner, better view) as available at check-in but you won’t get true upgrades until you reach the Explorist status at 30 nights or 50,000 Base Points. The World of Hyatt Card’s main rival—the IHG One Rewards Premier—offers Explorist-level status from the outset (Platinum Elite). 

Even after you spend your welcome bonus (worth approximately five nights by our estimate), you’ll be racking up more free nights/upgrades/spa treatments with that sweet 9X earnings rate. And even if your card collects dust in between Hyatt stays, you still have a free Category 4 night to look forward to. 

Check out our full review of the World of Hyatt Card . 

Learn more: World of Hyatt program guide

Last year, I managed to book a four-night stay at one of Hyatt’s all-inclusive resorts in Cancún, Mexico, for just 88,000 points. I don’t know of any other hotel rewards program that can offer that kind of redemption value. Ben Luthi, Fortune contributor

If you want to earn World of Hyatt points without paying an annual fee, a flexible travel credit card such as the Bilt Card is for you. But that’s just scratching the surface of what this card can do.

Bilt Mastercard®

See Rates and Fees

Special feature

• Make at least 5 transactions in a statement period, in order to earn points on rent and qualifying net purchases (purchases minus returns /credits) for that statement period.
• 3X 3X Bilt Points on dining
• 2X 2X Bilt Points on flights, hotels, rental cars, and cruises when booked directly with airlines, hotels, and car rental agencies
• 1X 1X Bilt Points on rent paid through the Bilt App with your card account up to a maximum of 100,000 points each calendar year
• 1X 1X Bilt Points on purchases
• Rewards and benefits terms.
• Uniquely earns points on rent
• Rent Day bonus every first of the month offers double points (excluding rent)
• Robust travel transfer partners
• Cash redemption rate is poor
• No traditional welcome bonus
• Travel perks: Trip Cancellation and Interruption Protection, Trip Delay Reimbursement, Auto Rental Collision Damage Waiver. See this page for details.
• Foreign Transaction Fee: None

Why we like this card: One of the “challenges” with hotel rewards cards is that they typically reward luxury living with, you guessed it, more luxury living. You generally earn the most points with these cards by dining out, flying on non-budget airlines and staying in upscale hotels. 

But what if you’re not traveling for work or pleasure all the time? What if you’re trying to generate hotel reward points while staying within budget? 

Enter the Bilt Mastercard, a card that charges no annual fee and actually awards points for paying rent. You’ll earn 1X for each on-time rent payment you make (up to 100,000 points each calendar year),  2X on travel, 3X on dining, and 1X on all other spending. Note that to earn points you must make at least five transactions on your card each statement period.

Some properties are part of the Bilt Alliance, making it especially easy to pay rent with the Bilt Mastercard. But even for those that aren’t, Bilt can send a physical check or set up an account number and routing number to let you pay through your landlord’s online portal. In all cases, Bilt helps you avoid the convenience fee landlords typically charge for paying rent by credit card.

If we assume a $2,000 rent payment each month, you could generate 24,000 Bilt Rewards points in a year. Then, since Bilt and Hyatt are partners, you could transfer points 1:1 to Hyatt — and if you manage to redeem them for Hyatt stays at a value of 2 cents per point, that’s nearly $500 worth of World of Hyatt points. You could likely book a two-night stay in a nice Category 4 Hyatt property that you didn’t have points for before, just for paying rent.

Ironically, the Bilt Mastercard still seems to market itself as a luxury lifestyle credit card. All non-rent spending earns double rewards on “Rent Day,” meaning the first of every month. That’s 6X on dining, 4X on travel, and 2X on everything else (up to a maximum of 10,000 bonus points). In other words, the card encourages you to dine out on the day rent is due. You can also earn even more bonus points throughout the year at restaurants in the Bilt Dining list.

But, as long as you remember to use your Bilt card at least five times per month, and set it as your default for paying rent, you can effortlessly generate plenty of extra World of Hyatt points. 

Check out our Bilt Mastercard review.

Learn more: Bilt Rewards program guide

I’ve been more interested in staying at boutique hotels lately, and I thought I’d have to stop using hotel points for free stays. But the World of Hyatt program has been partnering with lots of small brands, which makes it a really versatile program. We can use points for basic Hyatt brands when we just need a place to sleep, or go all-out for a luxury boutique hotel for a special occasion. Louis DeNicola, Fortune contributor

If you like the idea of rapidly generating World of Hyatt points but you’re not quite brand-loyal enough to commit to the World of Hyatt Card, the Chase Sapphire Preferred® Card may be the next best alternative for the same annual fee.

Chase Sapphire Preferred® Card

at Cardratings.com

• 5x 5x points on travel purchased through Chase Travel℠ (excluding hotel purchases that qualify for the $50 Annual Chase Travel Hotel Credit)
• 3x 3x points on dining at restaurants, including takeout and eligible delivery services
• 2x 2x points on travel purchases not booked through Chase
• 1x 1x points on other purchases
• 5x 5x points on Lyft rides through March 31, 2025 (that's 3x points in addition to the 2x points you already earn on travel)
• Valuable welcome bonus
• Extensive list of transfer partners
• Extra value on travel redemptions
• No premium travel perks
• Has an annual fee
• Additional perks: $50 annual hotel credit, trip cancelation/interruption insurance, auto rental collision damage waiver, complimentary Doordash and Instacart+ membership along with quarterly Instacart+ credits

Why we like this card: There’s a reason the Chase Sapphire Preferred® Card (or “CSP” as the cool kids call it) is beloved by travelers. This card has been a stalwart of travel rewards aficionados for years due to its generous welcome bonus 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (That's $750 when you redeem through Chase Travel℠), 5x points on travel purchased through Chase Travel℠, a $50 annual hotel credit, 3x points on dining, 2x points on travel purchases and 25% more value on points redeemed for travel in the Chase portal.

The Chase Sapphire Preferred also makes for an excellent Hyatt card since Chase Ultimate Rewards points transfer 1:1 to World of Hyatt. That means you could convert 60,000 Chase points to 60,000 World of Hyatt points — worth up to nine-ish free nights at a Category 2 property or even a weekend at a high-end Category 7 like The Polo Beach Club in Hawaii. 

So, while the World of Hyatt Card is still better to use long-term for Hyatt loyalists due to its free elite status and 9X earnings rate, the Chase Sapphire Preferred certainly offers more value right out of the gate. You can also use your $50 hotel statement credit towards your first non-reward stay (just note you have to book through the Chase Travel℠ portal to use the credit), and the 3x points on dining beats the World of Hyatt Card’s ho-hum 2X. 

Lastly, it’s worth pointing out the semi-obvious—the Chase Sapphire Preferred gives you much more flexibility than the World of Hyatt Card. When you use the latter, you’ll pretty much just be generating Hyatt points towards Hyatt stays. But with the CSP, you can convert Chase Ultimate Rewards points to Hyatt, Marriott, IHG or even cash back.  Check out our full review of the Chase Sapphire Preferred .

Learn more: Ultimate Rewards program guide

All things considered, I have yet to find a better redemption option for Chase Ultimate Rewards than transferring 1:1 to World of Hyatt. I recently found a $171 room at the Hyatt Regency/St. Louis Arch for just 6,500 points–that’s over 2.6 cents per point in value. Just keep in mind that you’ll need the Sapphire Preferred, Sapphire Reserve or Ink Business Preferred to access Chase’s transfer partners. Chris Butsch, Fortune contributor

Until Hyatt comes out with a powerhouse premium rewards card, the Chase Sapphire Reserve® is a more than capable substitute.

Chase Sapphire Reserve®

• 10x 10x points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 5x 5x points on flights through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually.
• 3x 3x points on other travel and dining immediately after the first $300 is spent on travel purchases annually.
• 1x 1x point on all other purchases
• Generous rewards on travel and dining
• Annual travel credit
• High annual fee
• Subject to Chase 5/24 rule
• Additional perks: Airport lounge access, purchase protection, extended warranty protection, trip cancelation/interruption insurance, auto rental collision damage waiver, cell phone protection, complimentary Doordash and Instacart+ membership along with monthly Instacart+ credits

Why we like this card: If you’re truly dedicated to the Hyatt brand and you’re ready to shell out a $550 annual fee for the most premium card it has to offer, well, you might have to wait. Hyatt hasn’t unleashed such a beast yet, but given how rewarding the $95 World of Hyatt Card is, we’re definitely looking forward to it. 

In the meantime, the closest thing you have to a premium World of Hyatt Card may be the Chase Sapphire Reserve. As the Preferred card’s bigger brother, the Reserve charges a $550 annual fee but offers plenty in return, including a $300 annual travel credit as reimbursement for travel purchases charged to your card each account anniversary year, 10x points on hotels and car rentals when you purchase travel through Chase Travel℠, access to over 1,300 airport lounge locations when you enroll in the complimentary Priority Pass Select membership, an up to $300 annual travel credit and roughly $1,200 worth of other partner benefits (e.g. Lyft Pink, Instacart and more). 

You’ll also get a 50% more value when you redeem your points for travel through Chase Travel℠, meaning the welcome bonus of 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. (That's $900 toward travel when you redeem through Chase Travel℠). 

All that said, we’d still recommend transferring your 60,000 points to World of Hyatt since you could get about $1,200 in value that way towards Hyatt bookings (if estimating 2 cents per point in redemption value for Hyat stays). And don’t forget about your $300 annual travel credit — meaning the Chase Sapphire Reserve comes with what we estimate to be $1,500 in Hyatt value during your first year. 

That’s enough for a nice long stay at a Hyatt property somewhere warm, where you can dip your toes in the sand. And even when it’s over, you have free Biscoff cookies waiting for you in the airport lounge on the way back. 

Check out our Chase Sapphire Reserve review .

Learn more: Best ways to spend Ultimate Rewards

World of Hyatt is one of the only programs that uses an award chart to price its hotels, allowing you to get a reasonable points price even when cash rates are obscene. I used 45,000 points to stay at the Park Hyatt Beaver Creek during peak ski season when rooms cost $1,000+. Joseph Hostetler, Fortune contributor

Frequently Asked Questions

Which credit card is associated with hyatt .

World of Hyatt currently offers two co-branded credit cards in partnership with Chase — the World of Hyatt Card and the World of Hyatt Business Credit Card . 

How much is 80,000 Hyatt points worth?

This is going to depend on the specifics of the award stay you choose to redeem your points for. World of Hyatt members often report being able to get a value of 1.5 cents per point or more, with some redemptions rising to an exceptional value of 3 cents per point. 

If we use 2 cents per point as the redemption value for our estimate here, then 80,000 World of Hyatt points are worth about $1,600 towards Hyatt stays and upgrades. 

Is it hard to get approved for a Hyatt card? 

Chase does not advertise a specific FICO Score required to apply for the World of Hyatt card, but considering it’s a high-tier travel rewards card, you can count on needing a score of at least 670 (ideally 700 or higher) for good chances of approval.

Is the World of Hyatt Card a Chase card?

Yes, the World of Hyatt Card is issued by Chase. That means you should keep the unwritten Chase 5/24 rule in mind — which essentially means if you’ve opened five or more credit cards from any issuer in the past 24 months, Chase will deny an application for one of its cards.

Is it free to be a World of Hyatt Member? 

Yes, World of Hyatt is free to join and even as a base-level member you’ll start earning 5X on Hyatt purchases, special member rates, free breakfast at Small Luxury Hotels of the World and more. 

About the author

Chris Butsch is a two-time author, keynote speaker and credit card nerd helping Gens Y and Z build better lives through financial fluency and positive psychology. His writing has been featured in Fortune, Fortune Recommends , Forbes Advisor, U.S. News, ConsumerAffairs, Money Under 30 and Investor Junkie.

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.

• Help your travel dollars go the distance with the best travel credit cards .
• The best airline credit cards help stretch your flight budget farther.
• Earn points and perks with every night you charge to one of the best hotel credit cards .
• Spend a lot of time on the road? Check out our list of the best hotel credit cards for free nights.
• The best cash back credit cards can earn you more on every purchase.

EDITORIAL DISCLOSURE : The advice, opinions, or rankings contained in this article are solely those of the Fortune Recommends ™ editorial team. This content has not been reviewed or endorsed by any of our affiliate partners or other third parties.

• Best Overall
• Best for No-Annual-Fee

Best for Independent Hotel Purchases

• Best for Beginners
• Best for Everyday Spending
• Best for Students
• Best Premium Travel Card for Affordability
• Best for Dining and Groceries
• Best for Travel Insurance
• Best for Luxury Travel Benefits
• Why You Should Trust Us

Best Travel Credit Cards of June 2024

Affiliate links for the products on this page are from partners that compensate us and terms apply to offers listed (see our advertiser disclosure with our list of partners for more details). However, our opinions are our own. See how we rate credit cards to write unbiased product reviews .

The information for the following product(s) has been collected independently by Business Insider: Wells Fargo Autograph Journey℠ Visa® Card, Citi Strata Premier℠ Card, Bank of America® Travel Rewards Credit Card for Students. The details for these products have not been reviewed or provided by the issuer.

• Best overall travel credit card : Chase Sapphire Preferred® Card
• Best travel credit card for beginners : Capital One Venture Rewards Credit Card
• Best no-annual-fee travel credit card : Capital One VentureOne Rewards Credit Card ( rates and fees )
• Best for spending at hotels : Wells Fargo Autograph Journey℠ Visa® Card
• Best for travel rewards on everyday spending : Citi Strata Premier℠ Card
• Best travel card for students : Bank of America® Travel Rewards Credit Card for Students
• Most affordable premium travel credit card : Capital One Venture X Rewards Credit Card
• Best travel credit card for earning travel credit on dining and groceries : American Express® Gold Card
• Best premium card for travel bonus categories : Chase Sapphire Reserve®
• Best for luxury travel benefits and airport lounge access : The Platinum Card® from American Express

Introduction to Travel Credit Cards

Whether you're just dipping your toe into the world of rewards credit cards or you've already flown thousands of miles on points alone, we can tell you: There's a travel credit card for everyone. There's a card if you're looking for free flights, if you're hoping for free hotel stays, or if you're just doing whatever it takes to realize your dream of an overwater bungalow. There are even no-annual-fee travel credit cards that won't cost you anything to keep.

Compare the Top Travel Credit Cards

Earn 5x on travel purchased through Chase Travel℠. Earn 3x on dining, select streaming services and online groceries. Earn 2x on all other travel purchases. Earn 1x on all other purchases.

21.49% - 28.49% Variable

Earn 60,000 bonus points

Good to Excellent

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. High intro bonus offer starts you off with lots of points
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel coverage
• con icon Two crossed lines that form an 'X'. Doesn't offer a Global Entry/TSA PreCheck application fee credit

If you're new to travel rewards credit cards or just don't want to pay hundreds in annual fees, the Chase Sapphire Preferred® Card is a smart choice. It earns bonus points on a wide variety of travel and dining purchases and offers strong travel and purchase coverage, including primary car rental insurance.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 when you redeem through Chase Travel℠.
• Enjoy benefits such as 5x on travel purchased through Chase Travel℠, 3x on dining, select streaming services and online groceries, 2x on all other travel purchases, 1x on all other purchases, $50 Annual Chase Travel Hotel Credit, plus more.
• Get 25% more value when you redeem for airfare, hotels, car rentals and cruises through Chase Travel℠. For example, 60,000 points are worth $750 toward travel.
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Lost Luggage Insurance and more.
• Get complimentary access to DashPass which unlocks $0 delivery fees and lower service fees for a minimum of one year when you activate by December 31, 2024.
• Member FDIC

Earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 1.25X miles on every purchase.

0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time)

19.99% - 29.99% Variable

Earn 20,000 miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No annual fee or foreign transaction fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Versatile rewards
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 1.25 miles per dollar on all purchases with no bonus categories to track
• con icon Two crossed lines that form an 'X'. Lower earning rate than some other no-annual-fee rewards cards
• con icon Two crossed lines that form an 'X'. Limited benefits

The VentureOne Rewards Card is a slimmed-down version of the popular Capital One Venture Rewards Credit Card. It's one of the few no-annual-fee cards on the market that gives you the option to redeem miles for cash back or transfer them to travel partners.

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase-or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.99% - 29.99% variable APR after that; balance transfer fee applies

Earn unlimited 5x points per dollar on hotels. Earn 4x points on airlines. Earn 3x points on other travel and dining. Earn 1x on other purchases.

21.24%, 26.24%, or 29.99% Variable

Earn 60,000 bonus rewards points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip cancellation and lost baggage protection
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Airline and hotel transfer partners available
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Welcome bonus
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous cellphone protection
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Low annual fee
• con icon Two crossed lines that form an 'X'. Transfer partner network not as diverse or robust as competitors

The Wells Fargo Autograph Journey℠ Visa® Card is a true travel credit card, with benefits that rival many of the best travel rewards credit cards currently on the market. This card has a low annual fee on par with that of popular competing credit cards and Wells Fargo's newly announced Points Transfer program allows cardholders to juice maximum value from every point they earn.

Earn 5x miles per dollar on hotels and rental cars booked through Capital One Travel. Earn unlimited 2x miles on every purchase.

19.99% - 29.99% variable

Earn 75,000 miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No bonus categories to keep track of
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Includes up to a $100 statement credit for Global Entry or TSA PreCheck
• con icon Two crossed lines that form an 'X'. Other credit cards offer higher rewards in certain categories of spending

If you want an easy, no-fuss travel rewards credit card, the Capital One Venture Rewards Credit Card is a great fit. For a moderate annual fee, it offers plenty of value, useful benefits, and a substantial welcome bonus.

• Enjoy a one-time bonus of 75,000 miles once you spend $4,000 on purchases within 3 months from account opening, equal to $750 in travel
• Earn unlimited 2X miles on every purchase, every day
• Receive up to a $100 credit for Global Entry or TSA PreCheck®
• Enrich every hotel stay from the Lifestyle Collection with a suite of cardholder benefits, like a $50 experience credit, room upgrades, and more

Earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked through CitiTravel.com. Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas stations and EV charging stations. Earn 1X point per $1 on all other purchases.

21.24% - 29.24% variable

Earn 75,000 bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 3x points on most travel, restaurants, gas/EV charging, and supermarkets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earn 10x points on hotels, rental cars, and attractions booked via Citi Travel
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. $100 annual hotel credit on a single stay of $500 or more
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. No foreign transaction fees
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Trip delay/interruption benefits and lost/damaged baggage coverage
• con icon Two crossed lines that form an 'X'. Has an annual fee
• con icon Two crossed lines that form an 'X'. Citi Travel rates often are higher than retail cost of travel

Earn unlimited 1.5 points per dollar on purchases.

• 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account

17.99% - 27.99% Variable

25,000 online bonus points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Generous welcome bonus for a student credit card
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Earns flexible points you can use toward a wide variety of travel purchases
• con icon Two crossed lines that form an 'X'. Other travel rewards cards have higher earning rates
• con icon Two crossed lines that form an 'X'. Few travel-related benefits compared to other travel cards

A good student credit card should offer rewards and useful benefits to those with limited credit history and the Bank of America® Travel Rewards Credit Card for Students hits several of those notes. However, while the card is marketed to students, those without established credit may have difficulty getting approved.

• The information related to the Bank of America® Travel Rewards Credit Card for Students has been collected by Business Insider and has not been reviewed by the issuer.
• 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases)
• Unlimited 1.5 points for every $1 spent on all purchases everywhere, no expiration on points
• No annual fee or foreign transaction fees

Earn unlimited 10 miles per dollar on hotels and rental cars booked through Capital One Travel. Earn 5 miles per dollar on flights booked through Capital One Travel. Earn unlimited 2 miles on all other purchases.

Earn 75,000 bonus miles

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Excellent welcome bonus and miles earning
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Premium perks including airport lounge access and credits for certain purchases
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Visa Infinite benefits including travel and shopping protections
• con icon Two crossed lines that form an 'X'. High annual fee
• con icon Two crossed lines that form an 'X'. Annual travel credits only apply to Capital One Travel purchases

The Capital One Venture X Rewards Credit Card is one of the best credit cards for frequent travelers, with top-notch benefits and a wide range of built-in protections. It comes with a generous welcome bonus and credits that can help offset the annual fee — which is much lower than similar premium cards.

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Unlimited complimentary access for you and two guests to 1,300+ lounges, including Capital One Lounges and the Partner Lounge Network
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Elevate every hotel stay from the Premier or Lifestyle Collections with a suite of cardholder benefits, like an experience credit, room upgrades, and more

Earn 4X Membership Rewards® points at Restaurants, plus takeout and delivery in the U.S. Earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X). Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com. Earn 1X Membership Rewards® points on all other purchases.

See Pay Over Time APR

Earn 60,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Great rewards for dining and for shopping at US supermarkets
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Monthly statement credit for eligible dining purchases recoups some of the annual fee
• con icon Two crossed lines that form an 'X'. Underwhelming welcome bonus

Foodies and travelers alike will appreciate the American Express Gold's generous welcome bonus and Membership Rewards points earning. Its Uber Cash credits are useful for rides and Uber Eats, and monthly dining credits with participating merchants like GrubHub and Seamless are easy to use.

• Earn 60,000 Membership Rewards® points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
• Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
• Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
• $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
• $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
• Get a $100 experience credit with a minimum two-night stay when you book The Hotel Collection through American Express Travel. Experience credit varies by property.
• Choose the color that suits your style. Gold or Rose Gold.
• No Foreign Transaction Fees.
• Annual Fee is $250.
• Terms Apply.

Earn 5x points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1x point per $1 spent on all other purchases.

22.49% - 29.49% Variable

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual travel credit can effectively shave $300 off the annual fee if you use it
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong travel insurance
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Strong bonus rewards on travel and dining
• con icon Two crossed lines that form an 'X'. Very high annual fee

If you're new to rewards credit cards you may want to start elsewhere, but if you know you want to earn Chase points and you spend a lot on travel and dining, the Sapphire Reserve is one of the most rewarding options.

• Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $900 toward travel when you redeem through Chase Travel℠.
• $300 Annual Travel Credit as reimbursement for travel purchases charged to your card each account anniversary year.
• Earn 5x total points on flights and 10x total points on hotels and car rentals when you purchase travel through Chase Travel℠ immediately after the first $300 is spent on travel purchases annually. Earn 3x points on other travel and dining & 1 point per $1 spent on all other purchases
• Get 50% more value when you redeem your points for travel through Chase Travel℠. For example, 60,000 points are worth $900 toward travel.
• 1:1 point transfer to leading airline and hotel loyalty programs
• Access to 1,300+ airport lounges worldwide after an easy, one-time enrollment in Priority Pass™ Select and up to $100 application fee credit every four years for Global Entry, NEXUS, or TSA PreCheck®

Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel (on up to $500,000 per calendar year) and on prepaid hotels booked with American Express Travel. Earn 1X Points on other purchases.

Earn 80,000 Membership Rewards® points

• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Long list of travel benefits, including airport lounge access and complimentary elite status with Hilton and Marriott (enrollment required)
• Check mark icon A check mark. It indicates a confirmation of your intended interaction. Annual statement credits with Saks and Uber
• con icon Two crossed lines that form an 'X'. Bonus categories leave something to be desired
• con icon Two crossed lines that form an 'X'. One of the highest annual fees among premium travel cards

If you want as many premium travel perks as possible, The Platinum Card® from American Express could be the right card for you. The annual fee is high, but you get a long list of benefits such as airport lounge access, travel statement credits, complimentary hotel elite status, and more.

• Earn 80,000 Membership Rewards® Points after you spend $8,000 on eligible purchases on your new Card in your first 6 months of Card Membership. Apply and select your preferred metal Card design: classic Platinum, Platinum x Kehinde Wiley, or Platinum x Julie Mehretu.
• Earn 5X Membership Rewards® Points for flights booked directly with airlines or with American Express Travel up to $500,000 on these purchases per calendar year and earn 5X Membership Rewards® Points on prepaid hotels booked with American Express Travel.
• $200 Hotel Credit: Get up to $200 back in statement credits each year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings with American Express Travel when you pay with your Platinum Card®. The Hotel Collection requires a minimum two-night stay.
• $240 Digital Entertainment Credit: Get up to $20 back in statement credits each month on eligible purchases made with your Platinum Card® on one or more of the following: Disney+, a Disney Bundle, ESPN+, Hulu, The New York Times, Peacock, and The Wall Street Journal. Enrollment required.
• The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market. As of 03/2023.
• $155 Walmart+ Credit: Save on eligible delivery fees, shipping, and more with a Walmart+ membership. Use your Platinum Card® to pay for a monthly Walmart+ membership and get up to $12.95 plus applicable taxes back on one membership (excluding Plus Ups) each month.
• $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to your Platinum Card®.
• $200 Uber Cash: Enjoy Uber VIP status and up to $200 in Uber savings on rides or eats orders in the US annually. Uber Cash and Uber VIP status is available to Basic Card Member only. Terms Apply.
• $189 CLEAR® Plus Credit: CLEAR® Plus helps to get you to your gate faster at 50+ airports nationwide and get up to $189 back per calendar year on your Membership (subject to auto-renewal) when you use your Card. CLEARLanes are available at 100+ airports, stadiums, and entertainment venues.
• Receive either a $100 statement credit every 4 years for a Global Entry application fee or a statement credit up to $85 every 4.5 year period for TSA PreCheck® application fee for a 5-year plan only (through a TSA PreCheck® official enrollment provider), when charged to your Platinum Card®. Card Members approved for Global Entry will also receive access to TSA PreCheck at no additional cost.
• Shop Saks with Platinum: Get up to $100 in statement credits annually for purchases in Saks Fifth Avenue stores or at saks.com on your Platinum Card®. That's up to $50 in statement credits semi-annually. Enrollment required.
• Unlock access to exclusive reservations and special dining experiences with Global Dining Access by Resy when you add your Platinum Card® to your Resy profile.
• $695 annual fee.

Best Travel Credit Card Recommendations

The best travel rewards credit cards offer valuable rewards, easy-to-use benefits, and helpful features like travel coverage. Our team of credit card experts at Business Insider chose the best options available on the market in 2024, and reviewed each one below.

Best Travel Credit Card Overall

The Chase Sapphire Preferred® Card is our top pick for a well-rounded travel rewards credit card. Even infrequent travelers can benefit from the slew of premium perks on this card, typically found on cards with far higher annual fees. 

The Chase Sapphire Preferred® Card stands out for its travel protection benefits. When you pay for travel expenses with this card and meet certain requirements, you can request reimbursement for unexpected expenses that may arise when your flight is delayed or if your baggage is delayed or lost.

You'll also have primary rental car insurance, meaning you won't have to file claims through your personal car insurance plan or pay for coverage from the rental car company. This card also offers a 10% anniversary points bonus, and up to $50 in annual statement credits for hotel purchases made through the Chase Travel℠ Portal. 

The rewards rate on the Chase Sapphire Preferred® Card isn't shabby either. You'll earn 5 points on travel purchased through Chase Ultimate Rewards; 2 points on all other travel purchases; and 3 points on dining, online grocery purchases (excluding Target, Walmart, and wholesale clubs), and select streaming services. You'll earn 1 point per dollar on everything else.

Chase Ultimate Rewards® points are some of the easiest points to use in various ways. You can redeem them for travel directly through the Chase Travel Portal for a 25% boost in value, where 1 point will be worth 1.25 cents apiece. You can also transfer your points to Chase's airline and hotel transfer partners , which include United Airlines, Hyatt, Marriott, and many other airlines and hotel chains around the world. Cardholders can also use points for statement credits, gift cards, merchandise, and more.  

What the experts love: High welcome bonus offer, earns bonus points on travel, dining, and online grocery purchases, you can redeem points for 1.25 cents apiece for travel or through Chase for 25% value bonus

What the experts don't love: Doesn't offer some of the travel perks you'll get with competing cards, such as airport lounge access and a statement credit for Global Entry

Read more: Chase Sapphire Preferred® Card card review

Best No-Annual-Fee Card for Earning Travel Miles

The Capital One VentureOne Rewards Credit Card is our top choice for a no-annual-fee travel card ( rates and fees ), and it's got many of the same perks as its bigger sibling, the Capital One Venture Rewards Credit Card.

New cardholders can earn a respectable 20,000 miles after spending $500 on purchases within three months from account opening (worth at least $340 in travel according to Business Insider's valuations). While the card only earns 1.25 miles per dollar on most purchases (plus 5x on hotels and car rentals booked through Capital One Travel), it's still a compelling choice if an annual fee isn't for you ( rates and fees ).

You'll get the same access to Capital One's airline and hotel partners as you would with annual-fee cards, and a handful of benefits including car rental insurance***, travel accident insurance***, and purchase assurance***. This is also a solid pick if you're looking for a zero-interest credit card  with a 0% introductory APR offer, because new cardholders receive a 0% intro APR on purchases and balance transfers for 15 months (intro fee of 3% for the first 15 months, then 4% of the amount of each balance transfer at a promotional APR that Capital One may offer you at any other time), then a 19.99% - 29.99% Variable APR ( rates and fees ).

What the experts love: No annual fee, access to transfer partners, generous intro 0% APR offer

What the experts don't love: Few travel benefits, lower earning rate

Read more: Capital One VentureOne Rewards Credit Card review

The newly announced Wells Fargo Autograph Journey℠ Visa® Card earns one of the highest rates of return on hotel bookings for a credit card that isn't co-branded with a specific hotel chain. 

This card has a $95 annual fee, inviting direct comparisons to two other cards on this list: The Sapphire Preferred Card , and the Capital One Venture Rewards Credit Card . In exchange, cardholders earn at least 3x on dining and travel purchases. Airline purchases earn 4x, and hotel purchases earn 5x.

Wells Fargo simultaneously announced brand-new airline and hotel partners: Choice Privileges, Aer Lingus AerClub, Air France-KLM Flying Blue, avianca lifemiles, and British Airways Executive Club. Wells Fargo Autograph Journey℠ Visa® Card cardholders can redeem rewards at the standard redemption rate of 1 cent per point for cash back, or transfer their rewards to any of the travel partners above for additional value.

The Wells Fargo Autograph Journey℠ Visa® Card will be available for in-person applications at select Wells Fargo bank locations on March 9, 2024. Nationwide applications open online and in person on March 20, 2024. 

Read more: Wells Fargo Autograph Journey credit card review

Best Travel Credit Card for Beginners

The Capital One Venture Rewards Credit Card is a great "set it and forget it" card, in the sense that you don't have to worry about various bonus categories for earning rewards. You'll earn 5 miles per dollar on hotels and rental cars booked through Capital One Travel and 2x miles on all other purchases.

The Capital One Venture Rewards Credit Card also offers one of the most straightforward ways to redeem rewards for travel: you're able to use your miles to cover recent travel purchases from your card statement, at a rate of 1 cent per mile. 

You also have the option to transfer Capital One miles *** to more than a dozen frequent flyer and hotel loyalty programs, including Air Canada Aeroplan, Etihad Guest, and Singapore Airlines KrisFlyer. Capital One also added new partners including British Airways and Turkish Airlines, and improved the transfer ratio to 1:1 for most partners. 

The selection of transfer partners is best suited to someone who wants to travel internationally and who doesn't mind spending some time researching the best ways to redeem miles with the different frequent flyer program options. But the upside is that you can always use your miles to cover your travel purchases. You also get up to a $100 Global Entry/TSA PreCheck application fee credit.

What the experts love:  The ability to use your miles to cover your recent travel expenses; it earns at least 2 miles per dollar on every purchase.

What the experts don't love: Other cards offer higher rewards on certain spending categories such as travel and dining.

Read more: Capital One Venture Rewards Credit Card review

Best Travel Rewards on Everyday Spending

The Citi Strata Premier℠ Card isn't as flashy or well-known as some other travel cards, but that doesn't mean you should overlook it, especially if you spend a lot on its bonus categories. Cardholders earn an impressive 3x points on air travel, gas stations, restaurants, supermarkets, and hotels, and 1 point per dollar on everything else.

Along with a solid welcome bonus offer of 75,000 bonus points after spending $4,000 in the first three months of account opening (worth $1,200 based on Business Insider's valuations), you'll receive $100 off a single hotel stay of $500 or more (excluding taxes and fees) booked through thankyou.com once per calendar year.

While it isn't the best for travel protections, the Citi Strata Premier℠ Card is the only card currently available to new applicants that unlocks the ability to transfer your ThankYou points to Citi's full list of airline and hotel partners , including JetBlue, Singapore Airlines, and Wyndham.

What the experts love:  Strong rewards earning in useful everyday categories, access to Citi's transfer partners

What the experts don't love: Lack of travel protections like car rental insurance, few travel perks compared to similar rewards cards

Read more: Citi Strata Premier℠ Card review

Best Travel Card for Students

The Bank of America® Travel Rewards Credit Card for Students is a fairly unique offering, as there aren't many student credit cards specifically geared toward travel. New cardholders can earn 25,000 online bonus points after spending $1,000 in purchases in the first 90 days from account opening (redeemed as a $250 statement credit toward travel and dining purchases). That's a decent offer for a no-annual-fee card, and the earning structure is simple, too — 1.5x points per dollar on every purchase, with no bonus categories to keep track of.

There's also a 0% intro APR for your first 18 billing cycles for purchases, and for any balance transfers made within the first 60 days of opening your account (then a 17.99% - 27.99% Variable APR) which can be handy if you have big purchases (like textbooks or supplies) you want to pay for over time. 

The Bank of America® Travel Rewards Credit Card for Students is a good choice if you prefer a straightforward card without having to worry about award charts or transfer partners. It's also a safe bet if you want to use it while traveling internationally — it doesn't charge pesky foreign transaction fees, so you won't be on the hook for extra charges if you use it overseas.

However, you won't find many extras — like travel benefits or purchase protections — with this card. If you're looking for better benefits, be sure to check out our guide to the best student credit cards for all the top options.

What the experts love: Impressive welcome bonus offer for a student credit card, good flat-rate rewards earning

What the experts don't love: No flashy extra perks or shopping benefits

Read more: Bank of America® Travel Rewards Credit Card for Students review

Most Affordable Premium Travel Credit Card

The Capital One Venture X Rewards Credit Card was unveiled in late 2021 and offers a massive welcome bonus of 75,000 bonus miles when you spend $4,000 on purchases in the first three months from account opening — worth at least $1,275 in travel, based on Business Insider's valuation of Capital One miles .

The Capital One Venture X Rewards Credit Card is loaded with premium benefits that can more than offset the $395 annual fee ( rates and fees ). For context, the Venture X's annual fee, while high, is significantly lower than other premium travel card competitors.

Capital One Venture X Rewards Credit Card cardholders receive $300 per year in credits toward travel booked through Capital One, Priority Pass, Plaza Premium, and Capital One airport lounge access (even for authorized users), a 10,000-mile bonus on each account anniversary (worth $100 in travel), and Visa Infinite travel and purchase benefits.

As with other cards that earn Capital One miles , you can transfer rewards to over a dozen airline and hotel partners to book award travel, or use miles to book through the Capital One Travel Portal .

What the experts love:  Between $300 a year in travel credit and a 10,000-mile bonus on each account anniversary, you can offset the annual fee entirely — and that's not even considering other benefits like lounge access.

What the experts don't love:  The $300 travel credit is more restrictive than other cards' — it only applies to travel booked through Capital One.

Read more: Capital One Venture X Rewards Credit Card review

Best for Earning Travel Credit from Dining and Groceries

The American Express® Gold Card is an ideal travel card for anyone who frequently eats out and/or shops at U.S. supermarkets. You'll earn 4x Amex Membership Rewards points on these purchases (though note the $25,000 calendar year annual cap for U.S. supermarkets; after that, you'll earn just 1 point per dollar, but that's a pretty high cap). The card also earns 3x points on flights booked directly with the airlines or through AmexTravel.com, and 1 point per dollar on everything else.

While the $250 annual fee is on the high side, you can offset it thanks to an annual statement credit. You can get up to $120 in annual dining credits**, but it's divided into up to $10 in credits each month, and the credit only applies at select restaurants and delivery services, including Grubhub, Seamless, Milk Bar, Wine.com, and Goldbelly, and participating Shake Shack locations.

You'll also get up to $120 Uber Cash ($10 per month) credit each calendar year (this is only applicable to U.S. Eats orders and rides, and the Gold Card needs to be added to the Uber app to receive the Uber Cash benefit).

What the experts love: "4x points on restaurants and at U.S. supermarkets (on up to $25,000 per year, then 1x) is great — usually, a card favors one or the other," says Rathner. Plus, the card offers monthly dining credits.

What the experts don't love: Wilson notes that other cards offer similar benefits for a lower annual fee, and Rathner notes that the card's travel and dining credits come with some important limitations — so read the fine print. 

Read more: American Express® Gold Card review

Best Premium Card for Travel Insurance and Bonus Categories

The Chase Sapphire Reserve® has a $550 annual fee, which means it's not for everybody, but if you're serious about maximizing your rewards and you travel frequently, it could be worth it. It offers a bonus of 60,000 bonus points after you spend $4,000 on purchases in the first three months from account opening. 

Not only do you get up to $300 in statement credits toward travel each year (and Chase has a very generous definition of travel — including everything from airfare to highway tolls), but you also earn 5x total points on air travel and 10x total points on hotels and car rentals purchased through Chase Ultimate Rewards (excluding the $300 travel credit) and 3x points on all other travel and dining. You also get airport lounge access through the Priority Pass network , which has more than 1,300 locations worldwide.

New benefits also include access to Chase Sapphire lounges in JFK , LaGuardia , Boston , and Hong Kong, as well as the Chase Sapphire Terrace at Austin Airport . You'll also receive benefits with DoorDash  and Instacart that can save you money on delivery (activation required).

The Chase Sapphire Reserve® is currently offering cardholders two years of complimentary Lyft Pink All Access membership (valued at $199 per year) for member-exclusive pricing, priority pickup, and more (activation required). 

When it comes to redeeming points, you can book travel through Chase and get 1.5 cents per point (a 50% bonus over the standard 1-cent-per-point rate), or you can transfer your Chase Ultimate Rewards to travel partners like Hyatt, British Airways, and United.

Plus, like the less-expensive Chase Sapphire Preferred® Card, the Chase Sapphire Reserve® offers some of the best credit card travel insurance around. This includes primary car rental insurance, trip delay insurance, trip cancellation protection, and lost baggage insurance.

The Chase Sapphire Reserve® card was previously our pick for the best travel card overall, before the annual fee increased from $450 to $550. While the Reserve did add some additional benefits, the Reserve no longer makes as much sense for casual travelers. As a result, we now recommend the Chase Sapphire Preferred® Card as the best travel credit card for most people. 

What the experts love:  Earns 3x points on travel and dining purchases made outside of Chase Travel Portal, annual $300 travel credit, points are worth 1.5 cents apiece for travel booked through Chase

What the experts don't love: You have to squeeze every drop of value out of this card to make that jaw-dropping $550 annual fee worth your while.

Read more: Chase Sapphire Reserve® review

Best for Luxury Travel Benefits and Airport Lounge Access

The Platinum Card® from American Express has one of the highest rewards card annual fees —  $695 — but it can still be well worth it if you can put all of its statement credits and generous welcome bonus offer to use.

You'll earn 5x points on flights when you book directly through the airline or through American Express Travel (on up to $500,000 per calendar year), which makes the card a great choice for purchasing airfare. The card offers trip cancellation and interruption insurance, plus some of the best purchase protection, so it's a good option for buying expensive items (and don't forget to see if you can take advantage of an Amex Offer ** for bonus points or cash back).

The Platinum Card® from American Express offers more airport lounge access than any other personal travel card — in addition to Priority Pass membership**, you get access to Amex Centurion Lounges , Delta Sky Clubs (when you're flying Delta), and more. 

The card's annual statement credits can go a long way toward offsetting the high annual fee. You get up to $200 in statement credits toward airline incidental fees** like checked bags and inflight purchases; up to $100 each year in credit toward Saks Fifth Avenue purchases**; and up to $200 in annual Uber credits (including Uber Eats)**. 

Just keep in mind that you're limited to one designated airline you choose each year in your Amex account for the airline incidental fee credit, and both the Saks and Uber credits are divided into portions. You'll get up to $50 in statement credits toward Saks purchases from January to June, and another credit of up to $50 for Saks purchases from July to December.

With the Uber credit, you get up to $15 each month, and a $20 bonus in December for a total of $35 that month.

What the experts love:  Lots of luxury benefits, including airport lounge access and statement credits with Uber and Saks

What the experts don't love: This card's $695 annual fee, and minimal bonus categories

Read more: The Platinum Card® from American Express review

How to Choose the Best Travel Credit Card

While it takes more effort to redeem points or miles compared to cash back, the upside is that you can get much more value for your points compared to simply cashing in your rewards for a statement credit or check at a rate of 1 cent per point.

In fact, it's possible to receive double, triple, or even more than that amount when you're strategic about how you redeem your rewards, particularly if you book expensive luxury hotels or first-class flights. 

In this guide, we've focused mostly on the best travel credit cards that earn transferable points. Transferable points include popular currencies such as:

• Amex Membership Rewards
• Chase Ultimate Rewards
• Citi ThankYou Rewards
• Capital One miles

You can transfer these points to both airline and hotel partner loyalty programs. You can even redeem your points to offset the cash price of your travel at a flat rate.

Travel Credit Card Frequently Asked Questions

If you want a single credit card that does it all and don't mind paying a generous annual fee, the Chase Sapphire Reserve® is a great choice. It comes with the best travel insurance available on the market, as well as a $300 travel credit each year that can be used on most types of travel.

The best travel credit card overall is the Chase Sapphire Preferred® Card, but the best card for your particular situation will depend on what benefits you care about the most, as well as how you feel about paying a high annual fee. 

We'd recommend opening a travel card that earns Amex or Chase points, because these are among the easiest rewards to redeem and you have various travel partners to utilize. But if you've investigated your options and are confident that you can get value out of their rewards, credit cards that earn Capital One miles or Citi ThankYou points can make sense as well.

There are two main types of travel credit cards: Cards that earn transferable points, and airline/hotel co-branded credit cards. Transferable points currencies include Amex Membership Rewards points, Capital One miles, and Chase Ultimate Rewards points.

Airline credit cards and hotel credit cards earn points or miles within a respective hotel or airline program; you don't have the option to redeem your rewards with a wide variety of travel partners (or if you do, the transfer ratio usually isn't great).

To pick the right travel credit card for you, you'll want to evaluate its welcome bonus offer, ease of use, benefits, and annual fee. The best one for you will ideally have a combination of an attractive sign-up bonus , lots of options for earning and redeeming rewards, benefits that save you money, and a low or no annual fee.

Travel credit cards with annual fees are worth it if you're able to get significant value out of their benefits and rewards. Before you apply for a card , make sure you'll actually use all the features that contribute to the card's annual fee. For example, if a card offers an annual statement credit of up to $200 toward travel but you can't use it, you're probably not getting what you pay for.

Travel credit cards work by earning you points (or miles) on every purchase you make, with the goal of helping you earn enough rewards to book free travel . The best travel cards earn points that you can transfer to various airline and hotel partners — like Amex, Chase, or Citi points. 

A great way to work toward getting a free flight is by applying for a travel credit card and earning its welcome bonus offer. Domestic award flights in economy class typically require about 25,000 points, so depending on the welcome bonus offer, you could have enough rewards for a flight right out of the gate. 

Why You Should Trust Us: How We Chose the Best Travel Credit Cards

Business Insider evaluated dozens of travel credit cards currently available to new applicants and narrowed down the list to the best options based on the following factors:

• Welcome bonus offer — Do new cardholders get a valuable incentive to sign up and meet a minimum spending requirement?
• Ongoing rewards — How many points or miles do you earn on your purchases?
• Benefits — Beyond rewards, does the card offer valuable perks such as statement credits for travel, primary car rental insurance, and airport lounge access?
• Annual fee — Is there an annual fee, and if so, is it affordable or easy to offset with card perks?
• Overall value — Does the card justify its annual fee by offering useful benefits and valuable rewards, and is it worth it?

Read our guide to how we rate credit cards for a closer look at our methodology.

Editorial Note: Any opinions, analyses, reviews, or recommendations expressed in this article are the author’s alone, and have not been reviewed, approved, or otherwise endorsed by any card issuer. Read our editorial standards .

Please note: While the offers mentioned above are accurate at the time of publication, they're subject to change at any time and may have changed, or may no longer be available.

**Enrollment required.

Eligibility and Benefit level varies by Card. Terms, Conditions and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Trip Delay Insurance, Trip Cancellation and Interruption Insurance, and Cell Phone Protection Underwritten by New Hampshire Insurance Company, an AIG Company. Global Assist Hotline Card Members are responsible for the costs charged by third-party service providers. If approved and coordinated by Premium Global Assist Hotline, emergency medical transportation assistance may be provided at no cost. In any other circumstance, Card Members may be responsible for the costs charged by third-party service providers. Extended Warranty, Purchase Protection, and Baggage Insurance Plan Underwritten by AMEX Assurance Company. Car Rental Loss & Damage Insurance Underwritten by AMEX Assurance Company. Car Rental Loss or Damage Coverage is offered through American Express Travel Related Services Company, Inc.

***Terms, conditions, and exclusions apply. Refer to your Guide to Benefits for more details. Travel Accident Insurance is not guaranteed, it depends on the level of benefits you get at application.

For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

For rates and fees of The Platinum Card® from American Express, please click here.

For rates and fees of the American Express® Gold Card, please click here.

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Underrated Reasons Why You Need the World of Hyatt Card

Michael is a solar energy developer and Senior Points Contributor at UpgradedPoints who runs his own travel blog at Points With Q. He has vast knowledge of award programs and helps show readers how to receive the most value through booking award flights around the world.

Sally French is a travel rewards expert who joined NerdWallet in 2020. She previously wrote about travel and credit cards for The New York Times and its sibling site, Wirecutter.

Outside of work, she loves fitness, and she competes in both powerlifting and weightlifting (she can deadlift more than triple bodyweight). Naturally, her travels always involve a fitness component, including a week of cycling up the coastline of Vietnam and a camping trip to the Arctic Circle, where she biked over the sea ice. Other adventures have included hiking 25 miles in one day through Italy's Cinque Terre and climbing the 1,260 steps to Tiger Cave Temple in Krabi, Thailand.

She lives in San Francisco.

Meghan Coyle started as a web producer and writer at NerdWallet in 2018. She covers travel rewards, including industry news, airline and hotel loyalty programs, and how to travel on points. She is based in Los Angeles.

Many or all of the products featured here are from our partners who compensate us. This influences which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money .

For travelers who stay at Hyatt hotels, adding the World of Hyatt Credit Card to your credit card portfolio is almost a no-brainer. One perk alone, the card’s annual free night certificate, can single-handedly justify the card’s $95 annual fee . But if you have the World of Hyatt Credit Card or are looking to apply for one, don’t overlook some of the lesser-known benefits it provides if you want to maximize your value.

The well-known benefits

World of Hyatt Credit Card is packed with a number of well-known benefits , including:

Welcome bonus: 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.

Hyatt bonus points on purchases: You earn 4x points on purchases at Hyatt hotels and resorts on top of the 5x earned as a member.

One award night every renewal year: A Category 1-4 award night is credited to your account within 10 weeks after your cardmember anniversary year.

» Learn more: The complete guide to the World of Hyatt

The underrated benefits

Along with the well-known benefits, the World of Hyatt Credit Card also has a number of underrated benefits, including:

Chance to earn an additional award night

When you spend $15,000 during your cardmember anniversary year (your account open date and 12 billing cycles after), you earn an additional Category 1-4 award night. That's on top of the Category 1-4 award night that comes automatically with your card anniversary.

» Learn more: Guide to the World of Hyatt award chart

Bonus points on other purchases

You’ll earn a bonus of 4x World of Hyatt points on Hyatt purchases made on the World of Hyatt Credit Card for a combined 9x points per dollar spent at Hyatt (thanks to the 5x points you already receive as a World of Hyatt member).

Don’t overlook the fact that cardmembers also earn 2x points on airfare, local transit, fitness and gym memberships, and at restaurants.

Automatic elite status

Hyatt offers three levels of annually achievable elite status : Discoverist, Explorist and Globalist. The World of Hyatt Credit Card comes with Discoverist status, which saves you the time, effort and cost of the 10 nights or 25,000 base points normally required to earn that level.

Five World of Hyatt elite night credits

Speaking of elite tiers, the World of Hyatt Credit Card comes with five elite night credits every calendar year. These elite night credits help you on your path to earn the next level of status, no matter where you are in the process.

Hyatt incentivizes you to spend on this card by offering additional elite night credits as well. With every $5,000 in spending on World of Hyatt Credit Card , you earn two additional elite night credits. There’s no limit to how many elite night credits you can earn — so if you’re chasing Explorist or Globalist status, your credit card spending might get you the additional elite night credits you need.

Download the World of Hyatt app to track all your bookings, elite night credits, status perks and more.

No foreign transaction fees

When you use the World of Hyatt Credit Card internationally, you will not pay foreign transaction fees. This is typically a savings of 1% to 3% per transaction compared to using a card that charges a fee.

Most travel cards don’t have foreign transaction fees, so this feature is good, but not exceptional.

Baggage delay insurance

We already like this card for booking airfare (you’ll get 2x points per dollar spent on airline tickets booked directly with the airline), but the lost luggage reimbursement is one more incentive to use this card to pay for plane tickets.

If your bags are delayed more than six hours, you will be reimbursed for spending on essentials, like clothing and toiletries, up to $100 per day for five days. The definition of "essential" is a little nebulous, as it won’t cover some items you may personally deem essential, like contact lenses, hearing aids and documents (like passports).

If your luggage is gone for good, you’ll be covered for up to $3,000 per passenger whose ticket was booked on your Hyatt card.

For both situations, you’ll have to file the claim within 20 days of the item(s) being lost, and you need to include relevant documentation, like receipts. This benefit is on par with the coverage on the revered Chase Sapphire Reserve® — yet that card has a $550 annual fee.

Note that you must use the World of Hyatt Credit Card for these essential purchases to qualify for reimbursement.

Trip cancellation/interruption insurance

If a trip paid for with your card is delayed or completely canceled for reasons including sickness or severe weather, you and your immediate family members can be reimbursed for travel expenses up to $5,000 per person, for a maximum benefit of $10,000 per trip for prepaid nonrefundable expenses.

The benefit isn’t quite as generous as what you’ll get from the most premium travel credit cards (another Chase card, the Chase Sapphire Reserve® , covers up to $10,000 per person and $20,000 per trip).

Auto rental collision damage waiver

If you get into an accident while driving a rental car or your rental car is stolen, you may be covered if you charge it to your Hyatt card.

The insurance is secondary coverage in the U.S., which means that your credit card will only pick up the fees and charges that your primary car insurance policy doesn't. Here’s how that works:

If you don’t already have personal automobile insurance, you’ll be covered for theft or damage to the car, and you’ll be reimbursed for other related costs like administrative fees and towing charges.

If you already have car insurance, you’ll be covered for the deductible portion, plus any other eligible charges that your insurance won’t cover. Unfortunately, that means you still need to file a claim with your insurer. That likely means you’re still on the hook for paying the deductible, and your premiums may go up.

Some costs that are ineligible are theft of personal items left inside the vehicle, damage to motorcycles and mopeds, as well as “expensive, exotic, and antique automobiles.”

If you're considering the World of Hyatt Credit Card

The World of Hyatt Credit Card ’s well-known benefits can provide immediate value to cardmembers, but underrated benefits, like earning additional award nights, earning higher elite status, no foreign transaction fees and travel insurance, make this a card to consider holding on to.

How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024 :

Flexibility, point transfers and a large bonus: Chase Sapphire Preferred® Card

No annual fee: Bank of America® Travel Rewards credit card

Flat-rate travel rewards: Capital One Venture Rewards Credit Card

Bonus travel rewards and high-end perks: Chase Sapphire Reserve®

Luxury perks: The Platinum Card® from American Express

Business travelers: Ink Business Preferred® Credit Card

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