My Hyatt Credit Card Conundrum

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As I wrote about a few days ago, the sign-up bonus on The Hyatt Credit Card is changing as of Thursday, June 29, 2017.

The sign-up bonus on the card is presently two free nights valid at any Hyatt property in the world after spending $2,000 on purchases within the first three months, plus 5,000 World of Hyatt points after adding an authorized user and having them make their first purchase within that same timeframe. As of June 29, 2017, the Hyatt Card’s new standard sign-up bonus will be 40,000 World of Hyatt bonus points after spending $2,000 on purchases within the first three months.

Redeem your two free nights at the Park Hyatt Maldives

Objectively the current bonus is much better, as Hyatt’s top properties go for 30,000 points per night. So assuming you’re able to redeem your certificates for one of Hyatt’s Category 6 or Category 7 properties, you’ll come out ahead under the current offer.

I also shared seven reasons you should consider applying for The Hyatt Credit Card, especially given that this is one of the few Chase cards not subjected to the 5/24 rule, meaning you can be approved for the card even if you’ve opened more than five new accounts in the past 24 months.

I’ve had The Hyatt Credit Card for years, and continue to hold onto it for the annual free night certificate and additional perks, which more than justify the annual fee, in my opinion.

Ford has never had the card, so was going to sign-up for it, though I’m a bit conflicted about what to do. Like I said, the current bonus is objectively much better, though there’s one slight consideration — I’m a World of Hyatt Globalist member, and he isn’t.

Why does that matter? Because if he redeems the two free night certificates then we won’t get Globalist benefits on the stay. However, if he waits until the new bonus is available, he’d get 40,000 points, could transfer those to me (which Hyatt allows for free), and we could redeem them with Globalist perks.

Redeem your two free nights at the Park Hyatt New York

So I guess the question comes down to whether we’d rather have two Category 7 nights as a non-Globalist, or 40,000 points in a Globalist account. Is anyone else in a similar situation?

However, there’s one other consideration. All we know as of now is that the sign-up bonus is changing as of June 29. I don’t necessarily have a reason to believe anything else is changing, though I also don’t know. Is it possible that some other perk of the card is devalued? Maybe some more restrictions are added to the anniversary free night for new members? I don’t know. I have no inside info here, but there’s something to be said for taking advantage of a certain offer, over waiting for a new offer, and not knowing all the terms associated with it.

Redeem your anniversary free night certificate at the Hyatt Olive 8 Seattle

Bottom line

There are just a couple of days left to take advantage of the excellent sign-up bonus of two free nights upon completing minimum spend on The Hyatt Credit Card. If you haven’t yet gotten the card, I’d seriously consider doing so.

However, I’m curious if anyone is in a similar situation to the one Ford and I are in, trying to decide whether we’re better off going for 40,000 points that can be transferred to a Globalist member, rather than two free nights as a non-Globalist member? I’m thinking we’ll go for the sure bet, especially as long as we know the other perks associated with the card. While I don’t have a reason to believe anything is changing, I also don’t know for sure that it won’t.

Is anyone intentionally waiting until the new offer is out to apply for the card?

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  1. It’s a tough choice. I’ve decided to hold off a bit and take the points, because odds are I won’t redeem them for the top categories, and I value the flexibility that the points have compared to the certificates. And as @Michael says, maybe the bonus will increase at some point.

    Plus, don’t the free night certificates expire after 12 months? So in reality they’re only more valuable if you plan to use them in a Cat 6-7 hotel within a year.

  2. How long do we have to wait in between cancellation and re-apply for the Chase Hyatt credit card in order to get the signup bonus again?

  3. I’d wait it out. There’s no reason to believe Hyatt and Chase won’t increase the sign-up bonus to 60’000 for the same or equal spend. They may even send out special offers to people.

  4. For me, it’s a no-brainer. Take the 2 free nights at cat 7 and run. Anyone who maximizes their points and miles is going to choose to redeem these on a night when paid rates are $1,500+ at a property like PHNY, for instance. And when paid rates are that high, it is most likely because they are predicting 100% occupancy in which you won’t clear an upgrade anyway. All you’re really missing out on is breakfast…go to starbucks and move on with life.

  5. You still get the globalist benefits as long as you are noted in the reservation… just did this at the park hyatt tokyo (very overrated by the way – no air conditioning, rooms are very warm and lack air circulation)

  6. Easy solution: Have Ford take the 2 free nights, then apply your “Guest of Honor” benefits towards his booking. Under the new WoH terms, GoH benefits can now be applied to free night bookings.

  7. Get the 2 free nights and add you to his reservation. The hotel still honors your Globalist benefits once you are a registered guest in the room.

  8. Aaron, I think to do a GoH booking, Lucky would need to make the reservation with points or free night certificates from his own account. I don’t think he could make a GoH reservation for Ford using anything from Ford’s account. Correct me if I’m wrong though, as I’d love to do just that.

    I’m in the same situation, Lucky — I’m a Globalist and my wife has no status, and she could sign up for the card.

  9. I signed up this card almost 2 years ago when Hyatt offered me the 50,000 point bonus with $1,000 purchase within the first 3 months, and 5,000 points with an authorized user.

  10. I didn’t have a problem to let PH Sydney to apply my Diamond benefit to our stay using my partner’s free night certificate. Did things change with WoH?

  11. I’m going to hold off. I think I’ve got one more card before I fall under 5/24, and I would assume that even though this card doesn’t apply to that rule, opening it would be card #5 and therefore no further cards could be obtained. Just trying to figure out what my last Chase card will be.

  12. “Objectively the current bonus is much better…”

    I’d say it’s VERY subjectively better. A lot of plans and timing have to align to make full use of those free nights, plus you have to want to go to the locations where you get that full value, plus you have to have 2+ more nights from another person available, otherwise just 2 nights in that type of a hotel is simply not enough time to get any benefit out of it.

    I’ll take the 40k points any day, but since I have plenty of UR points, I’m going to be like others and hold out for 50-60k offer.

  13. Have him get the 2 free nights and then use them on a stay where you’re there too. Email the GM ahead of time and ask him to put your Hyatt Globalist # on the reservation and extend Globalist benefits to you. If he refuses, use the nights elsewhere. Most Hyatts are flexible that way.

    The other option is to book two nights using points out of your account and then two nights using the free nights. Link the bookings and ask to keep the same room and you will probably get Globalist benefits.

  14. @Lucky – I’m in a similar situation (I’m Globalist w/ the card; husband has no status, no card). We’ve decided to wait until after 6/29 for him to apply. Ultimately the decision came down to the value of the Globalist benefits. Confirming a suite + free breakfast was much more valuable to us than securing 2 nights at a cat 6/7 hotel — especially when you consider how expensive breakfast is in the cities where most 6/7 hotels are located.

  15. Warm Greetings All
    Of Course free nights vs points is always subjective based on personal preference
    If you have use for the free nights it’s obviously a better way to go before the expiration date
    of these promotional awards
    Should you and Ford be enjoying these free nights together on a stay I really don’t see any issue as long as he is the one checking in and you are joining him
    Most Hyatt’s are Globalist/Guest friendly.
    By simply putting both names on the reservations and calling the hotel that a Globalist is sharing the room in advance of arrival you should likely yield good results.
    An email or phone contact in advance is somewhat necessary as the system won’t easily allow seeing the notations in advance
    In these rare or similar situations/instances with few exceptions and there are some
    the vast majority of Hyatt’s have always offered tier benefits over the decades regardless of how it is booked as long as the elite member is present
    On the other hand I wouldn’t try this if my expectations are high at Andaz Maui, Park Hyatt New York etc and others Hyatt that have known to be difficult even for top tier members
    World of Hyatt

  16. I don’t see how this is much of a debate. You’re valuing a stay with Globalist Status as ~20,000+ points more valuable then just a stay in general? That seems a bit short sighted. Upgrades and breakfast are nice, but 2 free nights is way more valuable imo.

  17. I’m betting that this CC sign-up bonus is portending the following:

    The CC sign-up bonus is changing from (2) free nights to 40k, because a devaluation is coming.

    Within a year (quite possibly Jan 2018), WOH points will be measurably devalued via the Hyatt hotel categories; either by increasing the amount of points required for each of the current 7 published categories, raising the category classification of certain properties (and thus the points required to redeem at said properties), the addition of categories to a total of (10), or some combination.

    To maximize value, you’d want (2) free nights instead of the 40k pts (+add a user for 5k points)

    To be truly flexible, you’d want the 40k ptsinstead of the (2) free nights.

    However, if you’re not going to put any spend on the Hyatt card beyond the $2k required to get the sign-up bonus, and your only wanting the points, why bother with the Hyatt card?
    Split the difference and get the Chase SP with 50k points sign-up (+add a user for 5k points)
    Or, get the Chase Ink with 80k sign-up

    Regardless, it’s all about timing and being able to look out to the next 12 months of your own travel profile – everybody is different.

    I did just apply for the Hyatt card, because I have an imminent use for the (2) free nights, at maximum value, and I already have the Chase SR. Of course, I got the dreaded “We’ll let you know” email response – so, we’ll see…..

    (postscipt: GOH requires the Globalist to use their own points – not any sort of “free night’ certificate – to book a room for someone else, in order to confer their Globalist benefits to that other person).

  18. I’m a little bummed. I just applied for the card and got a “we will let you know by mail within 30 days” response. I don’t know what bonus I’ll get…the 2 night stay certificates or the 40K points. I expected to see an immediate ‘You’re approved’ message. My credit score is 800+ and my income is solid. Thoughts??

  19. I agree with Aaron. Have Ford use the two free nights but have the agent add GOH benefits from your status It works…we used my husbands status, my points and our kids name on the reservation . As I write this, they are currently in a suite on the sixth floor with champagne and a fruit platter at the Park Hyatt Vendome. Oh, and did I mention that their breakfast tomorrow morning is included too and we booked a standard twin room!!!

    We’ve done this quite a few times but PH Vendome always goes above and beyond.

  20. Pauls98 …you should call the reconsideration line (google it) and ask them to review your application and expedite a desicion. If you have other Chase cards let them know that you’re willing to pull some of the credit limits from your other cards in order to get this approved. We do this all the time in the branches and I do it when I personally apply online. This way you guarantee getting the current sign up bonus.

  21. Wondering which one of the Globalist perks you’re most worried about losing? It would depend on which hotel you were planning on staying with the free nights and I bet you don’t have any idea about that right now. Since no one pays resort fees on free stays you’re missing out on a Free Bottle of water and Premium internet? Complimentary Breakfast (well if it’s the Hyatt Maldives, then that’s important) If it’s using a suite upgrade, might I remind you of when you said this.

    “But I also wouldn’t save these upgrades too much, since I have a tendency to hoard them and then have a bunch left over when their expiration date approaches. That’s even worse this year than before, given that starting this year the upgrades expire for stays by the expiration date, and not just for bookings by that date.”

  22. Was planning to use both the Citi Reserve and Chase Hyatt free night bonuses on a trip to Hawaii in summer 2019. All of that may be out the window now. I’d rather have the 2 free nights for the ease of redemption. No scouring the hotel category maps to match a destination with an aspirational hotel that gets two nights for 40k points.

  23. Well there’s no guarantee that the Hyatt CC will remain unaffected by 5/24 (marriott…) so I would get it now to avoid potentially missing out on it. Also potentially can ask for the 2 FN credits to be converted to 40K points at end of one year which they have been known to do.

  24. When I redeemed my and my wife’s 2 free night certs at the Park Hyatt Maldives in Dec. 2015 my Diamond benefits were extended to the full combined reservation. I believe the hotel staff generously told us at check-in that they would apply the benefit for the whole stay although I could be wrong about that but either way the benefits were applied to the whole 4 nights even though I was the only one of us with diamond status.

    As you know, Lucky, just call the Hyatt line after booking and before going on the trip to have them combine the two reservations.

  25. I would wait and take the 40K points. One perk….they “don’t” expire like the certificates do.

    I never felt like I got the full use of the free night sign on bonus certificates. Same with the annual free night- owing to Hyatt’s small portfolio I always feel like I end up in a rush to use it before it expires.

    This year I just used it in Boston the month in which it was expiring, which isn’t super exciting. I used the free night certificate and points for a 2 night stay. I got good value out of the points (15K points when the rate was $460)….though again not very exciting.

  26. I’m going to Hyatt Zilara Rose Hall with my girlfriend, and my brother has globalist status. Do you think I could message them to add his Globablist number to the reservation without them giving me a hard time?

  27. The other difference in the 40,000 points versus 2 free nights sign up bonus, which I’ve not seen mentioned on any of the blogs, is the redemption at one of the all inclusive resorts. With the free night redemption you can have a max of 4 people per room. If you redeem points for a room it only allows 2 people per room and then each additional person has to pay a point surcharge. Eg. Hyatt Ziva in Cabo would be 20,000 points per night plus 10,000 points per additional person per night. Big consideration\difference.

  28. @Lucky —> I’m holding off applying for the card, but for an entirely different reason . . . the 5/24 rule.

    You write above that this card is “not subjected to the 5/24 rule, meaning you can be approved for the card even if you’ve opened more than five new accounts in the past 24 months.” True enough. HOWEVER, it still counts under the 5/24 rule in terms of applying for a card that *is* blocked under the rule. That is, for example, if I applied for 5 credit cards in the last 24 months, one 23 months ago, and the rest <10 months ago, and applied for the Hyatt card — that would shift my date for "coming out from under" the 5/24 rule for 30 days from now to 14 months! Considering I was blocked from getting the CSR (and thus missing out on the then-100,000 point sign-up bonus) due to that rule, I'm not applying for anything until I'm out from under 5/24 and successfully get the CSR.

    THEN, maybe . . . .

  29. @ Lucky I signed up for this card when it only required $1,000. I redeemed it at category six Grand Hyatt Hong Kong with my bf. In my opinion, the room and service itself makes a huge difference. They were still very generous with complimentary late check at five pm with a complimentary upgrade to a corner room with the view of the Victoria Harbor. Friendly and quick service. Yeah, if you want to add up to four people in a room for two nights, it is allowed. I agree with Shagger, although, you are the travel guru expert, so I am sure you already know that. Good luck and happy, safe travels!!

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