BACK

Cash Back

What options do I have for my unused Hyatt points?

Summary

If you have a bunch of hotel points that you saved up for a trip that you’re now not taking, you have some other choices. Beware, you’ll lose value with a transfer.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Dear Cashing In,
I had plans to attend a family reunion in Hawaii, and signed up for a Hyatt credit card to be able to stay at the hotel there. I got the sign-up bonus, but now the reunion has been canceled. I’m trying to figure out how I can use the points. I live in Alabama and don’t seem to have a lot of options. – Jacob

Dear Jacob, 
For starters, grabbing that Hyatt card was a sensible move. Hyatt has several great hotels in Hawaii. They tend to be expensive. One of the ways you can cut hotel costs is by using the points from a hotel credit card.

At the time of this writing, the Hyatt Credit Card from Chase gives you 40,000 Hyatt points after spending $2,000 in the first three months (annual fee: $75). In addition, you earn 3 points per dollar on Hyatt charges, 2 points per dollar at restaurants and with airlines and car rental agencies, and 1 point for everything else. You also receive one free night per year and get Hyatt elite status, which allows you to have late checkout and other perks.

Hyatt properties worldwide

Hyatt’s hotels are classified in one of seven categories, and the category determines how many points you need for a free night. A category one is 5,000 points per night, while a category seven is 30,000 a night. In Hawaii, Hyatt has seven hotels. The lowest is a category three (12,000 points per night), a Hyatt Place on Waikiki Beach on Oahu that starts around $240 a night in the summer. The highest is a category seven Hyatt condo on Maui that starts around $800 a night in the summer. You can see how it is possible to save some serious cash on hotels with this card, but you would probably still have to pay for some nights. With flights, it would still probably be an expensive vacation, just not as expensive as it might otherwise be.

See Related:Hotel rewards: Go for free nights, not points

But with those plans canceled, it’s time to look at other options. Unlike other hotel chains that have a lot of different brands where you can use your points, Hyatt’s options are relatively limited. Hyatt has more than 600 properties worldwide. In contrast, Hilton has more than 5,000, and Marriott has more than 6,000. In Alabama, where you live, you have only three Hyatt hotels, all in Birmingham.

However, there are several Hyatt resorts and hotels within driving distance where you can enjoy two nights at a category five Hyatt hotel with your points. Whether you want to experience NOLA’s French quarter or relax on a beach in Florida, your Hyatt points can cover the cost.

Other options for points

As with most co-branded cards, you receive the best deal from using points with the company that sponsors the card – in this case, Hyatt. If you use the points somewhere else, you won’t get as much value. You should look first at other ways to use the points at a Hyatt. If nothing is on the horizon now, you can wait a little while. But Hyatt points expire after 24 months if you have no activity in your account.

See Related:Options for transferring points between loyalty programs

You do have other options. You can transfer the points to a number of airline programs. But beware that it tends to be a poor value: For every 5,000 Hyatt points you transfer, you receive only 2,000 airline miles. Transferring 40,000 Hyatt points would net only 16,000 airline miles. You can also convert the points into gift cards for dining and spa services at Hyatt hotels, so that could be an option. Transferring 40,000 Hyatt points is worth $300 toward that – again, not a great deal, but it’s something.

Your choices are limited. The best bet is to try to find somewhere else to go, even if it’s not the Hawaiian paradise you had planned.

 

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

What’s up next?

In Cash Back

5 times when a no annual fee card is worth it

High-end credit cards come with a lot of perks, but sometimes a no annual fee card can offer what you really need, without you having to worry about closing it once you no longer use the rewards

See more stories
Credit Card Rate Report Updated: November 25th, 2020
Business
13.91%
Airline
15.50%
Cash Back
15.85%
Reward
15.75%
Student
16.12%

Questions or comments?

Contact us

Editorial corrections policies

Learn more