{"id":258283,"date":"2026-08-18T18:00:14","date_gmt":"2026-08-18T18:00:14","guid":{"rendered":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/08\/18\/why-now-may-be-a-great-time-to-open-a-world-of-hyatt-card-the-points-guy\/"},"modified":"2026-08-18T18:00:14","modified_gmt":"2026-08-18T18:00:14","slug":"why-now-may-be-a-great-time-to-open-a-world-of-hyatt-card-the-points-guy","status":"publish","type":"post","link":"https:\/\/entertainment.runfyers.com\/index.php\/2026\/08\/18\/why-now-may-be-a-great-time-to-open-a-world-of-hyatt-card-the-points-guy\/","title":{"rendered":"Why now may be a great time to open a World of Hyatt card – The Points Guy"},"content":{"rendered":"


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When Chase announced a refresh of the Chase Sapphire Preferred\u00ae Card<\/a><\/span> (see rates and fees<\/a><\/span>) earlier this year<\/a><\/span>, it started plenty of chatter among points and miles enthusiasts.<\/p>\n

One change in particular became a hot topic for both current and future cardholders: The coveted World of Hyatt 1:1 transfer ratio<\/a><\/span> now had an expiration date.<\/p>\n

Cardholders who applied on or after June 15, 2026 immediately began receiving a 4:3 transfer ratio<\/a><\/span>. Existing cardholders will keep the 1:1 ratio until Oct. 1, when they’ll move to 4:3 as well.<\/p>\n

New and existing Ink Business Preferred\u00ae Credit Card<\/a><\/span> (see rates and fees<\/a><\/span>) cardholders will also move to the 4:3 ratio Oct. 1.<\/p>\n

For travelers who rarely transfer Chase points to Hyatt, the change may not have much effect. But if Hyatt is where most, or all, of your Ultimate Rewards points end up, it may be time to rethink your card strategy.<\/p>\n

With World of Hyatt<\/a><\/span> being a favorite loyalty program for many, Sapphire Preferred and Ink Business Preferred cardholders may be looking for other options to maintain the value they receive from it. One of those paths involves opening a World of Hyatt card \u2014 but is that the right way to go?<\/p>\n

The answer: It depends.<\/p>\n

What the new 4:3 Hyatt transfer ratio means<\/h2>\n

In simple terms, the new ratio means you’ll receive fewer Hyatt points when transferring Chase Ultimate Rewards points.<\/p>\n

Under this new ratio, for every four Ultimate Rewards points you transfer to Hyatt, you’ll receive three Hyatt points in return.<\/p>\n

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Here’s a quick chart showing an example of how this could impact the value of your rewards:<\/p>\n

\n\n\n\n\n\n\n
Transfer ratio<\/strong><\/th>\nNumber of points transferred from Chase<\/strong><\/th>\nNumber of points received from Hyatt<\/strong><\/th>\n<\/tr>\n<\/thead>\n
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25,000<\/span><\/p>\n<\/td>\n

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25,000<\/span><\/p>\n<\/td>\n<\/tr>\n

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25,000<\/span><\/p>\n<\/td>\n

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18,750<\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<\/div>\n

As you can see, a Hyatt award night is now going to cost more Ultimate Rewards points than before. Alternatively, if you were earning Hyatt points from the get-go, you wouldn’t need to worry about this devaluation<\/a><\/span> at all.<\/p>\n

Should travelers who frequent Hyatt get a World of Hyatt card?<\/h2>\n

If you almost always or always transfer the Ultimate Rewards<\/a><\/span> you earn on your Sapphire Preferred or Ink Business Preferred to World of Hyatt, I’d consider opening a Hyatt card.<\/p>\n

The World of Hyatt Credit Card<\/a><\/span> (see rates and fees<\/a><\/span>) is likely the best fit for most travelers considering this strategy.<\/p>\n

By earning World of Hyatt points directly with your Hyatt card instead of transferring them from your mid-tier Chase card, you’ll avoid the consequences of that 4:3 transfer ratio.<\/p>\n

With the personal $95-per-year World of Hyatt card, you’ll earn:<\/p>\n