This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page. Read our editorial standards.
Review: Is the World of Hyatt Business Credit Card the best credit card for you?
After months of rumors and speculation, Chase unveiled its first-ever co-branded World of Hyatt small-business credit card in late 2021. The
With the
There’s a
Big spenders, in particular, can do quite well with the
However, if the big-spending perks don’t fit your travel and spending habits or if you don’t have paid stays to take advantage of the annual Hyatt credits, you’ll like be better off with the personal version of the card —
Read more: The best hotel credit cards
Alternately, if you’re not looking for Hyatt-specific perks, a card that earns transferable Chase Ultimate Rewards points, like the
Comparison: Hyatt Business Credit Card vs other Chase cards
|
|
|
|
|
|
Annual fee |
|
|
|
|
Rewards rate |
4x points* at Hyatt hotels 2x points on your top three spend categories each quarter (from a list)*** 2x points on fitness club and gym memberships 1 point per dollar on all other purchases |
4x points* on Hyatt stays and experiences 2x points on dining 2x points on flights purchased directly from the airline 2x points on local transit and commuting 2x points on fitness club and gym memberships 1 point per dollar on all other eligible purchases |
3x points on shipping purchases, advertising purchases on social media sites and search engines, internet, cable, and phone services, and travel***** 1x points on all other purchases |
|
Welcome bonus |
|
|
|
|
Hotel benefits |
Automatic Hyatt Discoverist elite status Gift Discoverist status to up to five company employees 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year Up to $100 in Hyatt statement credits per year 10% redemption rebate after you spend $50,000 in a calendar year Hyatt Leverage program membership |
Automatic Hyatt Discoverist elite status Five elite night credits each calendar year Two elite night credits for every $5,000 in purchases Annual free night award**** An additional free night award**** after you spend $15,000 on purchases in a calendar year |
N/A |
|
Review |
*Bonus points at Hyatt hotels are in addition to the points members would normally earn from a stay
***Top three spend categories until December 31, 2022, then top two spend categories thereafter (eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping)
****
*****the
Hyatt Business Credit Card vs other small-business hotel credit cards
|
|
|
|
|
|
Annual fee |
|
|
|
|
Rewards rate |
4x points* at Hyatt hotels 2x points on your top three spend categories each quarter (from a list)*** 2x points on fitness club and gym memberships 1 point per dollar on all other purchases |
6x points* on eligible purchases at hotels participating in the Marriott Bonvoy™ program 4x points on eligible purchases at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. shipping purchases 2x points on all other eligible purchases |
12x points* on purchases made directly with hotels and resorts in the Hilton portfolio 6x points on eligible purchases at U.S. gas stations, U.S. shipping purchases, wireless telephone services purchases directly from U.S. service providers, U.S. restaurants, airfare purchased directly from airlines or Amex Travel, and on car rentals booked directly with select car rental companies 3x points on all other eligible purchases |
|
Welcome bonus |
|
|
|
|
Hotel benefits |
Automatic Hyatt Discoverist elite status Gift Discoverist status to up to five company employees 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year Up to $100 in Hyatt statement credits per year 10% redemption rebate after you spend $50,000 in a calendar year Hyatt Leverage program membership |
Automatic Marriott Bonvoy Silver elite status Annual free night award**** A second free night award if you spend $60,000 or more in a calendar year**** 15 elite night credits each calendar year |
Automatic Hilton Honors Gold elite status Free weekend night award when you spend $15,000 or more in a calendar year A second free weekend night award if you spend a total of $60,000 or more in a calendar year |
|
Review |
*Bonus points at Hyatt, Marriott, and Hilton hotels are in addition to the points members would normally earn from a stay
***Top three spend categories until December 31, 2022, then top two spend categories thereafter (eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping)
****The
How to earn points from the World of Hyatt Business card
The
- 4x points at Hyatt hotels, participating SLH properties, and Lindblad Expeditions (in addition to the 5 points per dollar you’d normally earn for being a World of Hyatt member)
- 2x points on top three eligible spend categories each quarter (from a list, see below)
- 2x points on fitness club and gym memberships (including FIND Experiences and Headspace Subscriptions through December 2022)
- 1 point per dollar on all other purchases
One of the most interesting features of the
Read more: I haven’t paid for a hotel room in 10 years — here’s how I stay for free
Eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping.
How to use Hyatt points
The best way to use Hyatt points is for stays at World of Hyatt brands, which include:
- Hyatt
- Andaz
- Alila
- Caption by Hyatt
- Thompson Hotels
- Hyatt Centric
- Park Hyatt
- Miraval
- Grand Hyatt
- Hyatt Regency
- Hyatt Zilara
- Hyatt Ziva
- Hyatt Place
- Hyatt House
- The Unbound Collection by Hyatt
- Destination by Hyatt Hotels
- JdV by Hyatt
- Hyatt Residence Club
- UrCove by Hyatt
- Small Luxury Hotels of the World
Hyatt just introduced peak and off-peak pricing in addition to standard pricing for award stays, which means you’ll pay fewer points during the off-season and more points during popular times. Here’s the current Hyatt award chart:
|
World of Hyatt category |
Off-peak points per night | Standard points per night | Peak points per night |
|
Category 1 |
3,500 | 5,000 | 6,500 |
|
Category 2 |
6,500 | 8,000 | 9,500 |
|
Category 3 |
9,000 | 12,000 | 15,000 |
|
Category 4 |
12,000 | 15,000 | 18,000 |
|
Category 5 |
17,000 | 20,000 | 23,000 |
|
Category 6 |
21,000 | 25,000 | 29,000 |
|
Category 7 |
25,000 | 30,000 | 35,000 |
|
Category 8 |
35,000 | 40,000 | 45,000 |
You can also redeem Hyatt points for room upgrades on paid rates at 3,000 points for a room with club lounge access, 6,000 points for a standard suite, or 9,000 points for a premium suite.
Read more: How to earn, redeem, and maximize Hyatt points
World of Hyatt recently added a separate award chart for all-inclusive resorts, including over 50+ new hotels that will be added to the program by early May.
| Hotel Category | Off-peak award prices | Standard award prices | Peak award prices |
| A | 12,000 | 15,000 | 18,000 |
| B | 17,000 | 20,000 | 23,000 |
| C | 21,000 | 25,000 | 29,000 |
| D | 25,000 | 30,000 | 35,000 |
| E | 35,000 | 40,000 | 45,000 |
| F | 42,000 | 50,000 | 58,000 |
With the
Benefits and features
The
Automatic Hyatt Discoverist elite status (with gifting)
Read more: 11 credit cards that get you hotel elite status just by having them in your wallet
Cardholders have the ability to gift Discoverist status to up to five company employees — and the recipients do not have to be authorized users on your
Elite qualifying nights for spending
For every $10,000 you spend on the
For example, to earn Hyatt’s top-tier Globalist status, you’d normally need to stay 60 qualifying nights in a year, but that requirement has been reduced by half — to 30 nights — in 2021. By spending $60,000 on the
Globalist status is extremely lucrative for frequent Hyatt guests because it offers perks like complimentary room upgrades (up to standard suites), free breakfast or club lounge access, 4 p.m. late checkout when available, free parking on award stays, and a 30% points bonus on paid stays.
Hyatt statement credits
When you spend $50 or more at any Hyatt property with your
Earning up to $100 in Hyatt credits is a good way to offset more than half of the card’s
10% redemption rebate
When you spend $50,000 or more on the
Hyatt Leverage program membership
Hyatt Leverage is Hyatt’s global business travel program that offers special rates to qualifying small and mid-sized businesses at participating Hyatt hotels worldwide. Only the primary
Car rental insurance
The
Read more: The best credit cards with primary rental car insurance
Trip cancellation/interruption insurance
If your trip is canceled or cut short because of a covered situation like sickness or severe weather, you may be eligible for up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable travel expenses.
Read more: 4 credit cards with the most comprehensive travel insurance — from trip cancellation to lost luggage
Extended warranty
When you purchase an eligible item with your
Purchase protection
Eligible new purchases you make with the
Travel and emergency assistance services
If you’re traveling away from home and run into issues, you can get help with medical and legal referrals or other emergency assistance. The service itself is complimentary, but any third-party costs are your responsibility.
Roadside dispatch
Fees and costs
The
Read more: The best credit cards without foreign transaction fees
This card is a good choice if you’re traveling overseas because it doesn’t add foreign transaction fees. Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.
World of Hyatt Business credit card — Frequently Asked Questions (FAQ)
Who is eligible for the World of Hyatt Business card?
Because the
You’re won’t qualify if you already have this particular card or have earned the welcome bonus in the past 24 months, but you’re still eligible if you already have the personal
What credit score do you need for the World of Hyatt Business credit card?
You’re most likely to be approved for the
Read more: What is a good credit score? It depends whether you’re asking VantageScore or FICO
Be sure to read Insider’s guides to improving your credit score and how using credit cards can help boost your score if your credit isn’t quite where you want it yet.
Does the World of Hyatt Business card come with an anniversary free night?
No, the
That’s doesn’t have nearly as much potential value as the Category 1-4 anniversary night the personal
Powered by WPeMatico
