Hyatt 1/24

Understanding the Hyatt 1/24 rule:

Hyatt's card offerings and rules are pretty simple. For the purpose of these rules, the newer card (which was updated in 2019) is considered the same as the old card. You can't have two Hyatt cards, nor can you get the card again if you have received a sign-up bonus in the past 24 months.

Please note this is 24 months from the date of the statement on which you receive your bonus, not the application date. To be safe, we recommend waiting until the first day of the next month after these 24 months. So basically, a safe easy estimate is 28 months from the time you got your last Hyatt card. The Point Navigator estimates your bonus date as 3 months from sign-up. You can update your actual date by looking at your statements and adjusting on the "My Cards" page.

This is one of those rules that is actually in the terms and conditions for the card. Many of the card rules we discuss are unwritten ones. This one is black and white. Below is a screenshot from Chase’s site regarding the World of Hyatt credit card.

There are two World of Hyatt credit cards currently available - a personal card and a business card. This rule applies to both cards. Fortunately, you are able to hold both cards at the same time and be eligible for the signup bonus on each. If you wanted to get each card again and be eligible for the welcome offer, though, you would have to wait 24 months from receiving the bonus AND close the card.

Example

Timeline:

• July 2022: Approved for World of Hyatt personal credit card
• September 2022: Approved for World of Hyatt Business card
• October 2022: Received signup bonus for World of Hyatt personal card
• December 2022: Received signup bonus for World of Hyatt Business card

Important to know:

In the above scenario, you would be eligible to apply for and receive the signup bonus on the personal card in October 2024 since that is when you received the signup bonus. You would also have to close the card before applying for a new one. If the card is still open, you would not be eligible. For the business card, you would be eligible to get a new card and receive the welcome offer in December 2024 because you received the signup bonus in December 2022. Just like the personal card, you would have to close the first business card before applying to be eligible.

About Approval Rules

Collecting credit card points is largely driven by understanding and abiding by bank rules regarding approval (or disapproval) of cards.  So here’s what you need to know:

• Approval rules are rarely fully publicized by the banks
• We use our own research and data points from other users in creating the rules listing
• Our goal in sharing/using the rule listings is to provide you guidance to avoid getting declined
• There can sometimes be exceptions to the rules, but we try to take a more cautious approach in advising you.