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WoH Credit card! [Launched 2018] (Chase)

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Old Aug 11, 2018, 3:23 pm
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Last edit by: TravelinSperry

World of Hyatt Credit Card benefit details and notes


Anniversary Free Night Award (Category 1-4)
  • Issued 10 weeks after cardmember anniversary date
  • Expires 1 year after issuance
  • Ineligible for use with Club Lounge Access Awards and Complimentary Suite Upgrade Awards
Additional Free Night Award (Category 1-4) with $15k spend
  • The spend counter for this benefit tracks total cumulative purchases during the current calendar year (excluding $95 annual fee and any other non-qualifying transactions).
  • The spend counter for this benefit resets at the beginning of every calendar year. Chase does not make this spend counter visible to customers, so interested customers must calculate their own. Note that this is a separate spend counter from the "Two Additional Night Credits" spend counter below.
  • Issued 1-2 days after statement closing date of the triggering transaction (the transaction causing the spend counter to cross $15k)
  • Expires 1 year after issuance
  • Ineligible for use with Club Lounge Access Awards and Complimentary Suite Upgrade Awards
  • Cardmembers are eligible for only 1 Additional Free Night Award per calendar year (e.g., spending $30k does not result in two Additional Free Night Awards
Two Additional Night Credits with every $5k spend
  • The spend counter for this benefit tracks total cumulative purchases since account opening (excluding $95 annual fee and any other non-qualifying transactions)
  • This spend counter never resets. Chase does not make this spend counter visible to customers, so interested customers must calculate their own. Note that this is a separate spend counter from the "Additional Free Night Award" spend counter above.
  • Issued 1-2 days after statement closing date of the triggering transaction (the transaction causing the spend counter to cross a multiple of $5k)
  • For World of Hyatt status qualification purposes, the night credits are associated with the TRANSACTION date of the triggering transaction, not the posting date and not the statement closing date. For example, triggering transactions on 12/31/2022 (transaction date) will result in 2 night credits for the 2022 status year, regardless of posting date or statement closing date. Based on FT reports, transaction date appears to be based on the US Eastern Time Zone.
  • World of Hyatt Credit Card: timing for $5k spend 2 qualifying nights
Other Benefits
  • 4 Bonus Points per $1 spent on purchases at Hyatt hotels
  • 2 Bonus Points per $1 spent on restaurants, airline tickets purchased directly from the airline, local transit and commuting, and fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases
  • Discoverist status every year
  • 5 qualifying night credits every year
  • No foreign transaction fees
  • Travel & purchase coverage

Other notes and tips


Chase spending tracker
  • The Chase spending tracker is useful for calculating your spend counter for the $15k Additional Free Night Award and your spend counter for the Two Additional Night Credits
  • Chase mobile app: "View all transactions", then switch to the "Spending Summary" tab
  • Chase website: From the main page, on the right hand side, click the "Spending & Budgeting" menu, then choose "Spending Summary"
  • Remember to add spend from prior calendar year(s) as needed (see spend counter notes above), and to subtract $95 annual fee and any other non-qualifying transactions from all years
  • Full list of non-qualifying transactions: returns, refunds, 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

Sign-up bonus offer


Chase card overview and application page: Link

Current sign-up offer (as of Feb 1, 2022): 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 Point, on up to $15,000 spent.

Previous sign-up offer: Earn up to 50,000 Bonus Points and 10 Night Credits (last checked: Dec 22, 2020 - no mention of 10 night credits)
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening.
  • Earn an additional 25,000 Bonus Points after you spend $6,000 total on purchases within the first 6 months of account opening.
  • Apply by December 31, 2020 and get 10 qualifying night credits towards your next tier status in 2020 and 2021.

Previous sign-up offer: Earn up to 50,000 Bonus Points (ended Apr 14, 2020)
  • Earn 25,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening.
  • Earn an additional 25,000 Bonus Points after you spend $6,000 total on purchases (including first $3,000) within the first 6 months of account opening.

Previous sign-up offer: Earn up to 60,000 Bonus Points (ended Jan 9, 2019)
  • Earn 40,000 Bonus Points after you spend $3,000 on purchases within the first 3 months of account opening.
  • Plus, earn an additional 20,000 Bonus Points after you spend $6,000 total on purchases (including first $3,000) within the first 6 months of account opening.
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WoH Credit card! [Launched 2018] (Chase)

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Old May 3, 2023, 5:16 pm
  #3316  
 
Join Date: Aug 2021
Location: USA
Programs: American Airlines (Executive Platinum), Hyatt (Globalist), Hilton (Diamond), IHG (Diamond)
Posts: 2,917
Originally Posted by WasKnown
... You don’t need to worry about shut downs as long as you’re sticking to the rules Chase has set. They only get tricky when you mass redeem millions of points through fixed redemptions. My UR points are just for Hyatt at this point so it’s not a concern on my end.
Like everything in this game, you don't have to worry until you do.

It makes no sense that Chase, which is infamous in the CC world for its groundbreaking 5/24 policy, allowed this at all, let alone allowing it for so long. When Chase finally puts an end to it, the end could be ugly.
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Old May 3, 2023, 5:40 pm
  #3317  
 
Join Date: Feb 2011
Location: NYC suburbs
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Originally Posted by WasKnown
Will do. ….
Thank you.

Originally Posted by nsx
Banks can and do change their SUB velocity limits without notice. In extreme cAAses the greediest people have lost all their points. I advise moderation rather than maximization.
Agreed. Re: “cAAses”, is that a typo or trying to make a point with the “AA”?

Originally Posted by js1993
Like everything in this game, you don't have to worry until you do. It makes no sense that Chase, which is infamous in the CC world for its groundbreaking 5/24 policy, allowed this at all, let alone allowing it for so long. When Chase finally puts an end to it, the end could be ugly.
Agreed.

Please don’t infer from my questions that I’m supporting (or criticizing) the behavior. A good way of learning is by asking inciteful questions.

Or, put another way: "Pigs Get Fat. Hogs Get Slaughtered". (Wish it was easier to know the different between a FF Pig and a FF Hog .)
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Old May 3, 2023, 6:47 pm
  #3318  
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Originally Posted by Dr Jabadski
Agreed. Re: “cAAses”, is that a typo or trying to make a point with the “AA”?
Perhaps this Citi/AA slAAughter of hogs?

AA accounts restricted (Nov/Dec 2019)

AA potentially closing accounts due to credit card churning/churn

Originally Posted by js1993

It makes no sense that Chase, which is infamous in the CC world for its groundbreaking 5/24 policy, allowed this at all, let alone allowing it for so long. When Chase finally puts an end to it, the end could be ugly.
And 5/24 isn’t the only anti-churn measure Chase has implemented in recent years.
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Old May 3, 2023, 7:46 pm
  #3319  
 
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Originally Posted by js1993
Like everything in this game, you don't have to worry until you do.

It makes no sense that Chase, which is infamous in the CC world for its groundbreaking 5/24 policy, allowed this at all, let alone allowing it for so long. When Chase finally puts an end to it, the end could be ugly.
Chase business cards don’t count against 5/24. Also, Chase has notoriously been relaxing 5/24 on both cobrands and even their own cards.

I have 2 account managers with Chase that open cards for us. They literally solicit us to open new cards when we create a new LLC for a property. You guys can choose to not participate in this game if you want but I wouldn’t hold my breath expecting people that redeem normally to get shut downs for this. The risk for shut down has always been with redemptions (Ie the recent aero plan PYB shutdowns). It has been going on for years before I started. When I started years ago, the same people here used the same slaughter quotes about this ending. Yet here we are after countless free park Hyatt and Alila stays and 8 digits of UR later and I’m still being solicited to open more products with Chase.

We’ve had these same conversations 2 years ago here lol. I’m glad I did not listen back then.

At the end of the day, people have to do what works best for them. Personally, this works best for me. The only downside is my progress toward earning lifetime globalist has completely stopped because I simply don’t pay money for Hyatt’s anymore.
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Old May 3, 2023, 8:24 pm
  #3320  
 
Join Date: Aug 2021
Location: USA
Programs: American Airlines (Executive Platinum), Hyatt (Globalist), Hilton (Diamond), IHG (Diamond)
Posts: 2,917
Originally Posted by WasKnown
Chase business cards don’t count against 5/24. Also, Chase has notoriously been relaxing 5/24 on both cobrands and even their own cards.

I have 2 account managers with Chase that open cards for us. ...
I never said Chase business cards counted toward 5/24. The point was, if Chase was so worried about people churning personal cards, it makes no sense that Chase wouldn't care at all about people churning Chase business cards.

Also, Chase account managers get a bonus for opening new accounts. That's why they encourage this, not because it's somehow a net positive for Chase.
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Last edited by Zorak; May 4, 2023 at 2:51 am Reason: removing off-topic personal discussion
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Old May 4, 2023, 12:36 am
  #3321  
nsx
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I do plan to drop my Hyatt business card at renewal time barring favorable changes. I would drop the Hyatt personal card too if I didn't expect to get an occasional 5 points per dollar quarterly bonus.
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Last edited by Zorak; May 4, 2023 at 2:53 am Reason: removing quote/reference to now-deleted post
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Old May 4, 2023, 12:59 am
  #3322  
 
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Originally Posted by nsx

I do plan to drop my Hyatt business card at renewal time barring favorable changes. I would drop the Hyatt personal card too if I didn't expect to get an occasional 5 points per dollar quarterly bonus.
The Hyatt personal card is probably worth it for more people so long as they have good use for the cat 1-4 certificates. It’s definitely a gamble given how Hyatt’s award chart has devalued. Personally, I find $15K for a Hilton FNC is more favorable than $15K for a Hyatt cat 1-4 FNC.

But I agree anyway. Barring a radical favorable change for the business card, I would also close it. It would be nice to see Chase revamp it but I’m not holding my breath.

Last edited by Zorak; May 4, 2023 at 2:54 am Reason: removing quote/reference to now-deleted post
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Old May 4, 2023, 2:56 am
  #3323  
Moderator: Hyatt; FlyerTalk Evangelist
 
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Moderator note:

I've just cleaned up a bunch of off-topic/repetitive/combative posts. Further discussions of churning, 5/24, shut-down risk, etc. should go in the credit card forums.

I would also like to remind people of FT rule 12

Thanks,
-- Z.
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Old May 4, 2023, 5:21 am
  #3324  
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Just redeemed 3 of my cat 1-4s for a fall weekend at the HR Sea. Amazing value vs nearly $1k opportunity cost. Keep up the good work Chase & Hyatt!
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Old May 4, 2023, 5:41 am
  #3325  
 
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Originally Posted by js1993
I never said Chase business cards counted toward 5/24. The point was, if Chase was so worried about people churning personal cards, it makes no sense that Chase wouldn't care at all about people churning Chase business cards.

Also, Chase account managers get a bonus for opening new accounts. That's why they encourage this, not because it's somehow a net positive for Chase.
Also, Chase has not once pushed us to open Business Hyatt cards, only Ink cards despite being incentivized to push both. They are incentivized to do this precisely because it is a net positive Chase. So they are aware of these openings yet even Chase knows it is futile to push that card, as further evidenced by all of the people in here expressing their intent to close the card.

Originally Posted by UA-NYC
Just redeemed 3 of my cat 1-4s for a fall weekend at the HR Sea. Amazing value vs nearly $1k opportunity cost. Keep up the good work Chase & Hyatt!
This is the type of unwavering fidelity that travel companies dream of from consumers. Like I mentioned to nsx, the Hyatt personal cards probably still have value for people that need to stay at the lower end of Hyatt’s portfolio but it is definitely trending down as Hyatt continues to devalue its program.
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Old May 4, 2023, 6:30 am
  #3326  
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Originally Posted by WasKnown
This is the type of unwavering fidelity that travel companies dream of from consumers. Like I mentioned to nsx, the Hyatt personal cards probably still have value for people that need to stay at the lower end of Hyatt’s portfolio but it is definitely trending down as Hyatt continues to devalue its program.
With fewer high-end properties in town, have no issue spending 3 nights for free at a nice new-build HR...but also no issue spending $6K on a family trip to the PHV where we are treated like royalty.

All loyalty programs trend down year over year (kind of like the NFT & Crypto industries and associated portfolios) - thankfully Hyatt is under-indexing in that regard compared to competitors.
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Old May 4, 2023, 6:50 am
  #3327  
 
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Originally Posted by UA-NYC
With fewer high-end properties in town, have no issue spending 3 nights for free at a nice new-build HR...but also no issue spending $6K on a family trip to the PHV where we are treated like royalty.
Sadly, that is one of the issues with Hyatt and therefore these Hyatt credit cards. There just are not enough luxury travel options which is good for people that typically stay at lower half properties but not tenable for people that can choose not to do this. Even $6K on a trip is pretty mid range for trips honestly so your anecdote is pretty reflective to me of the broader Hyatt portfolio and demographic.

Perhaps this is why Hyatt has not introduced a luxury credit card.

Originally Posted by UA-NYC
All loyalty programs trend down year over year (kind of like the NFT & Crypto industries and associated portfolios) - thankfully Hyatt is under-indexing in that regard compared to competitors.
Thankfully, Bitcoin is up 75% YTD which has been a great opportunity for people actively trading. I am fortunate to have my portfolio close to ATH (though I expect that will change given the state of CRE and the fed’s insistence on hiking the US into a recession).

Sadly, I cannot say the value of my UR/Hyatt points are anywhere close to ATH. I don’t relish in watching Hyatt spurn elites, utterly fail in IT, and devalue it’s points (all of which I predicted here years ago), particularly as someone that is ~70% of the way there to earning lifetime globalist (though again, not making progress these days sadly). I just call it as I see it.

This is also why I think Hyatt/UR point valuations should be discounted and MR should be given a liquidity premium (though still discounted for lost rebate). To spend UR, I need to be in one of the few cities where Hyatt has viable options (I stay at different types of hotels than you do) and find availability for it. To spend MR, I can easily burn at a fixed 2 cents / MR rate through my Business Centurion whenever I want to fly anywhere. The longer points sit in an account unredeemed, the less valuable they become. Given the weaknesses of Hyatt’s program, they have a tendency to sit in accounts.

Last edited by WasKnown; May 4, 2023 at 6:56 am
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Old May 4, 2023, 8:37 am
  #3328  
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Originally Posted by WasKnown

Sadly, I cannot say the value of my UR/Hyatt points are anywhere close to ATH. I don’t relish in watching Hyatt spurn elites, utterly fail in IT, and devalue it’s points (all of which I predicted here years ago),
Given that you joined just about two years ago, was that one or two years ago? Or was you known by some other handle in the past and are now participating from a witness protection program or similar

The only three certainties in life are taxes, death, and regular loyalty program devals.
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Old May 4, 2023, 8:55 am
  #3329  
 
Join Date: Dec 2016
Location: Kansas City
Posts: 44
Has anyone been reimbursed for the (2) $50 Hyatt credits from the WOH Business card? Has anyone purchased gift cards and been reimbursed?
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Old May 4, 2023, 9:32 am
  #3330  
 
Join Date: Apr 2021
Location: Manhattan, Palm Beach Island, San Francisco, Boston, & Hong Kong
Programs: Lifetime United Global Services, Delta Plat, Hyatt Globalist, Marriott Ambassador, & Hilton Diamond
Posts: 3,165
Originally Posted by notquiteaff
Given that you joined just about two years ago, was that one or two years ago? Or was you known by some other handle in the past and are now participating from a witness protection program or similar

The only three certainties in life are taxes, death, and regular loyalty program devals.
2023-2021 = 2. Plural indicates more than 1. So by that mind blowing math, we can now understand it was 2 years ago.

Time reveals all truths. The sad thing about world of Hyatt devaluing is that there is no credible alternative to replace it. Maybe we will finally get the high end Hyatt credit card after they cut their award chart.

Last edited by WasKnown; May 9, 2023 at 12:06 pm
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