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World of Hyatt Business Credit Card
Secure application on issuer’s website
- Our Rating 4.0/5 How our ratings work
- APR21.49% - 28.49% (Variable)
- Annual Fee$199
Sign Up Bonus
60,000World of Hyatt Points
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening Dollar Equivalent: $1,080 (60,000 World of Hyatt Points * 0.018 base)
This card is a good option for small business owners loyal to Hyatt. It offers elite status benefits, with the opportunity to spend your way to higher tiers. Hyatt loyalists with lots of business expenses they can channel on this credit card and its vast bonus categories will be rewarded for it.
Highly Valuable Hotel Card for Businesses
The World of Hyatt Business Credit Card is a relatively new addition to Chase’s co-branded card portfolio. Introduced in late 2021, the card is targeted toward small business owners who are loyal to Hyatt. The card offers a solid welcome bonus, elite status benefits and travel perks to justify its $199 annual fee.
However, it falls short on recurring benefits and its bonus categories aren’t the most rewarding. Still, there is an audience for this card and if you’re able to maximize its benefits, it could be worthwhile. Here’s a full review of the World of Hyatt Business Credit Card to help you decide whether it’s a good fit for you.
- Enjoy Hyatt Discoverist elite status for you and up to five employees
- Up to 9x points on Hyatt hotels
- Earn up to $100 in Hyatt statement credits per year
- $199 annual fee
- No free night award unlike the consumer Hyatt card
The World of Hyatt Business Card offers new cardholders a generous bonus of 60,000 points after spending $5,000 within the first three months of account opening. The bonus is worth about $1,080 towards hotel bookings (independent valuation not given by the issuer). However, the exact number will vary depending on travel demand and property type.
Hyatt is one of the few hotel loyalty programs still publishing an award chart, and free nights range from 3,500 to 137,000 points per night. The exact rate depends on the type of hotel you're booking and whether you're traveling in the peak or off-peak season.
You can also put your welcome bonus to excellent use at one of Hyatt's all-inclusive resorts, budget hotels, ultra-luxury Miraval properties or Lindblad Expeditions.
Slickdeals values Hyatt points at 1.8 cents each, which is what you should aim for when redeeming your points. To calculate your redemption rate, divide the cash rate by the points required, then multiply that by 100. For example, if a hotel is going for $250 per night and the award rate is 12,000 points, you're getting 2.1 cents per point.
You won't always get 1.8 cents in value out of your points and that's ok. If redeeming points at a lower rate still saves you money, by all means, do it.
The World of Hyatt Business Card makes earning rewards beyond the welcome bonus easy. Cardholders earn 4 points per $1 at Hyatt hotels and 2X points at fitness clubs and gym memberships.
The card also earns 2X points in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter, and 1x point on all other purchases. Here are those eligible categories:
- Airline tickets when purchased directly with the airline
- Local transit & commuting
- Social media & search engine advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
While these are all common spending categories for small businesses, the 2X earn rate is not very high. The Blue Business® Plus Credit Card offers 2X points on all spending (up to $50,000 per year) and that card has no annual fee. Further, the Ink Business Preferred Card earns 3X rewards on some of the same categories as the Hyatt Card. The card has a lower $95 annual fee and the points are transferable to World of Hyatt at a 1:1 ratio.
The World of Hyatt Business Credit Card has a $199 annual fee. This is higher than the fee on the personal Hyatt card but still reasonable for a mid-tier business credit card with up to $100 in annual Hyatt credits.
The card also has no foreign transaction fees, so you can use it abroad without additional charges.
World of Hyatt Business Credit Card Benefits
The World of Hyatt Business Credit Card offers automatic Discoverist status, which usually requires 10 nights or 25,000 base points. Discoverist status doesn't provide much in the way of benefits, but they're still nice to have when you stay at a Hyatt property:
- 10% bonus points on eligible spending
- MGM Pearl status
- Premium internet
- Complimentary bottled water
- Preferred room upgrade, when available
- Elite check-in
- 2 PM late check-out
- 1 World of Hyatt Bonus Point for every $1 spent on qualifying American Airlines flights
Where the World of Hyatt Business Credit Card really stands out is the ability to spend your way to higher elite status. Cardholders earn five Tier-Qualifying nights and Milestone rewards for every $10,000 spent per calendar year. If you're a big spender, you can achieve top-tier Hyatt Globalist status after $120,000 worth of spending on the card.
Annual Hyatt statement credits
The World of Hyatt Business Credit Card has a $199 annual fee, while the personal version is $95. In exchange for a $104 higher fee, World of Hyatt Business Credit cardholders get up to $100 in Hyatt statement credits every year. All you have to do is spend at least $50 at a Hyatt property and you'll get a statement credit in the same amount, up to twice per year.
10% point discount
One of the most unique benefits of this credit card is a 10% discount on up to 200,000 points redeemed annually. The catch? For the discount to kick in, you need to spend $50,000 in a calendar year.
Hyatt Leverage membership
Hyatt Leverage is a little-known program that offers discounted rates to small businesses. Members receive discounts of up to 15% at participating Hyatt hotels and 5% on Oasis home rentals. According to Hyatt, the average company saves $350 per year thanks to Leverage.
These discounts can come in handy, especially if you utilize them for employee travel.
Employee credit cards at no additional cost
Small business owners can earn points on all business spending by adding employee cards at no charge. This is a nice reprieve from credit cards like Amex Business Platinum, which charges a whopping $395 annual fee per additional card.
Auto Rental Collision Damage Waiver
Primary auto rental collision coverage is beneficial when renting a vehicle. It means you don't have to file a claim with your own insurance in case of an accident. Nor do you have to buy coverage with the rental car company. Simply charge the rental car to your World of Hyatt Business Card and you're covered in case of theft or collision damage in the U.S. and abroad.
Trip Cancellation/Interruption Insurance
Suppose your trip is canceled or interrupted due to sickness, weather, or other covered reasons. In that case, you'll be reimbursed up to $1,500 per person for non-refundable travel expenses. This benefit is limited to $6,000 per trip. All you have to do is charge the stay to your credit card and you'll have peace of mind in case things don't go as planned.
Travel & Emergency Assistance
Travel and Emergency Assistance coverage comes in handy if you need medical or legal referrals abroad. Benefits administrators will help you make arrangements in an emergency, though you'll be liable for any cost involved.
Extended Warranty Protection
Charge your most prized purchases to this credit card and you'll get your U.S. manufacturer's warranty extended by another year. This benefit only applies to warranties of three years or less.
World of Hyatt Business Credit cardholders can rest easy knowing their new purchases are protected for the first 120 days against damage and theft. Coverage is limited to $10,000 per claim and $50,000 per account.
Comparing Hyatt Credit Cards
With just two Hyatt credit cards on the market, you might be on the fence about which one to get. While the World of Hyatt Business Credit Card is targeted toward business owners, most of its perks aren't exclusively beneficial for business owners. In fact, this isn't the best business card out there and its most notable perks (elite status, point rebates) don't kick in unless you put large amounts of spending on it.
The World of Hyatt Credit Card might be a better fit if you're looking to earn more Hyatt points. The card offers five elite night credits yearly and a free night award valid at any Category 1-4 property. It also has a more reasonable $95 annual fee. Pairing it with a no-fee business card may provide a more comprehensive suite of benefits.
That being said, if you want to boost your Hyatt point balance, the spending requirement on the Hyatt business card is much lower than the personal version.
World of Hyatt Business Credit Card Review: A Top Hotel Card for Businesses
|World of Hyatt Business Credit Card||World of Hyatt Credit Card|
|Annual Fee: $199||$95|
|Welcome Bonus: Earn 60,000 Bonus Points after spending $5,000 on purchases in your first 3 months from account opening.||Earn 60,000 Bonus Points after spending $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 six months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000.|
|Earn Rate: 4 bonus points per $1 spent at Hyatt hotels|
2 bonus points per $1 spent in the top three spending categories each quarter through 12/31/24, then the top two categories each quarter:
Airline tickets when purchased directly with the airline
Local transit & commuting
Social media & search engine Advertising
Car rental agencies
Internet, cable & phone services
2 bonus points per $1 spent on fitness clubs and gym memberships
1 bonus point per $1 spent on all other purchases
|4 bonus points per $1 spent at Hyatt hotels|
2 bonus points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships
1 bonus point per $1 spent on all other purchases
|Elite Status Benefits: Hyatt Discoverist status for the primary cardmember and up to five employees|
Earn 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year
|Hyatt Discoverist status|
Receive 5 qualifying nights towards the next status tier every year
Earn 2 additional qualifying night credits every time you spend $5,000 on your credit card
|Travel Perks: N/A||An annual free night award at any Category 1–4 Hyatt property|
Is The World of Hyatt Business Credit Card For You?
The World of Hyatt Business Credit Card is a good option for small business owners loyal to Hyatt. The card offers elite status benefits, with the opportunity to spend your way to higher tiers. The card's bonus categories are vast but aren't substantial at 2 points per $1 spent. In fact, if the Hyatt-specific benefits don't appeal to you, you might be better off with a Blue Business® Plus Credit Card. It has no annual fee and earns 2X points on all spending (up to $50,000 per year). Granted, it carries foreign transaction fees, so it might not be for everyone.
Hyatt loyalists with lots of business expenses they can channel on this credit card will certainly be rewarded for it. In addition to the bonus categories, they can look forward to $100 in annual statement credits and a 10% rebate on award redemptions once they spend $50,000 in a calendar year.
Factoring in discounts from the Hyatt Leverage membership, having this credit card in your wallet can be a great value proposition.
However, if you're looking for more recurring benefits, the World of Hyatt Credit Card's annual free night certificate might be a better value proposition. Especially since the card's $95 annual fee is lower. And if you're looking for a card that earns 2X points on everything (up to $50,000 spent), the Business Platinum Card from American Express is a better option at $95 per year. The rewards are also less restrictive, allowing you to transfer points to over a dozen airline and hotel partners.