World of Hyatt Business Card Review: An obvious addition to your corporate wallet if you’re already booking Hyatt for business.

by NEW YORK DIGITAL NEWS



Our take: The World of Hyatt Business Credit Card may not be the single most rewarding business hotel credit card out there (that honor may go to the IHG One Rewards Business Premier), but if you’re already booking Hyatt stays for business, it’s an obvious addition to your corporate wallet. You and up to five employees will get 4X back on Hyatt purchases, 2X back on your spendiest categories each quarter (dining, flights etc.), instant Discoverist status and more—easily enough to offset the card’s $199 annual fee.

Pros

  • 4X back on Hyatt purchases.
  • Hyatt points are worth up to 2.3 cents each, meaning your welcome bonus could be worth over $1,500 in value towards future Hyatt stays. 
  • Complementary Discoverist status for you and up to five employees means free Wi-Fi, late checkout and 10% bonus points for all. 
  • Includes Trip Cancellation/Interruption, Baggage Delay Insurance, Lost Luggage Reimbursement, Auto Rental Collision Damage Waiver and Purchase Protection.

Cons

  • Hyatt Bonus Points are really only good for future Hyatt purchases. There’s no cash back option and their value plummets with other redemption options (flights, rental cars etc.) 
  • Hyatt’s footprint is 75% smaller than most competitor chains.
  • Other hotel business rewards cards are more… rewarding. 

Card type: Business, Travel

  • Welcome Bonus: Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. 
  • Annual Fee: $199
  • Rewards: 
    • 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
    • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter
    • 2 Bonus Points per $1 spent on fitness club and gym memberships
    • 1 Bonus Point per $1 spent on all other purchases
  • Benefits: 
    • Instant Discoverist status for you and up to five employees
    • Earn 5 Tier-Qualifying night credits towards status and Milestone rewards for every $10,000 you spend within a calendar year
    • Up to $100 in Hyatt statement credits (spend $50 on Hyatt, earn $50 up to twice)
    • Spend $50,000 in a calendar year and get 10% back on redeemed points for the rest of the year (up to 200k points)
    • Complimentary Hyatt Leverage membership (up to 15% savings and more)
    • Complimentary employee cards

World of Hyatt Business Credit Card Overview

The World of Hyatt Business Credit Card is what you get when the already-excellent World of Hyatt Credit Card puts a suit on. The card offers a steep welcome bonus of up to 75,000 Bonus Points (worth up to $1,725 in Hyatt redemption), 4X back on Hyatt purchases (on top of the 5X you’ll already get for being a free World of Hyatt member) and instant Discoverist status – which provides another 10% Bonus Points among other perks. 

You’ll also get 2X back on your three spendiest categories of the quarter (out of eight total) and 1X back on everything else. 

Put it all together and the World of Hyatt Business Credit Card is virtually a no-brainer for anyone who frequently stays at a Hyatt property for business. 

Who is the World of Hyatt Business Card good for?

If you’re a small business owner, you can multiply your rewards even further by adding up to five employees as authorized users. Then, with your squad of six generating 4X Bonus Points per stay on the card, it won’t be long before you have a stockpile big enough to cover a company retreat to the Hyatt Regency Bali.  

If you’re specifically looking for a card that rewards business trips to Hyatt with more trips to Hyatt, you’ve found it. 

Who shouldn’t get the World of Hyatt Business Card?

The chief drawback of the World of Hyatt Business Credit Card, however, is that the Bonus Points you earn are really only good for future Hyatt stays. If your business travels take you out of the chain’s footprint, you’re out of luck. There’s also no cash back option and their values plummet when redeemed for flights or rental cars, so if you’re looking for an all-purpose business rewards card with versatile earning and redemption options, this isn’t it. Check out our list of the Best business credit cards of 2024 instead. 

World of Hyatt Business Credit Card: How to earn rewards

Here’s what you could earn whipping out your World of Hyatt Business Credit Card on a business trip: 

  • 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 4X points on all FIND Experience purchases
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter
  • At the time of this writing, the spending categories include:
    • Dining
    • Shopping
    • Airline Tickets (purchased directly with the airline)
    • Local Transit and Commuting, 
    • Social Media and SEO
    • Car Rental Agencies
    • Gas
    • Internet, Cable and Phone Bills
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • 1 Bonus Point per $1 spent on all other purchases

You’ll also get rewards from the following perks and bonuses: 

  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening
  • Up to $100 in statement credit for spending $100 at Hyatt properties (spend $50 earn $50 up to two times)
  • 10% redemption bonus for for the rest of the year after spending $50,000 within a calendar year (on up to 200k points redeemed)
  • 5,000 Bonus Points for referrals (up to 25k per year)
  • 10% extra Bonus Points for having Discoverist status with World of Hyatt (free and instant with the card)

So, is all this earning potential worth the $199 annual fee? 
For the first year, absolutely. As mentioned, the World of Hyatt Business Credit Card’s welcome bonus alone is enough to justify the first-year fee. With value estimates ranging from 1.5 to 2.3 cents per Bonus Point, that bonus could be worth over $1,500 when redeemed for Hyatt bookings and upgrades. 

As for year two and beyond, well, let’s do some simple math. Assuming you only use the card for Hyatt bookings, every dollar spent generates 4X Bonus Points worth around 8 cents. This means that you’d have to spend around $2,500 to generate $199 worth of Bonus Points to justify the annual fee. 

That’s not a high bar for a business traveler—especially one with multiple authorized users. Plus, our quick math doesn’t account for all of the other benefits or rewards categories you’d earn Bonus Points from, like the $100 statement credit. 

How to redeem World of Hyatt Business Credit Card rewards 

Hyatt Bonus Points are by far the most valuable when redeemed for more Hyatt purchases. 

Various estimates pin the value of a single Bonus Point at between 1.5 and 2.3 cents each – but only when redeemed for Hyatt purchases like stays, upgrades, dining and spa treatments. There’s no cash back option, and redemption values fall to 1.4 cents and lower for non-Hyatt purchases. 

In total, here are all the ways you can currently redeem Hyatt Bonus Points: 

  • Stays and Upgrades at Hyatt Properties
  • Dining, Spa Treatments and Room Service
  • FIND Experiences (aka curated travel experiences like tours and tastings)
  • Meetings and Events
  • Sharing and Gifting Points
  • Converting Points to Miles with one of Hyatt’s 26 Partners
  • Avis Rental Cars

Needless to say, you’ll want to hang on to your Bonus Points until your next Hyatt stay or room service craving to maximize their value. For a better cash back option, consider the Chase Ink Business Cash, instead. 

World of Hyatt Business Credit Card rates and fees

Aside from the aforementioned $199 annual fee (which is not waived for the first year), the World of Hyatt Business Credit Card has pretty standard terms and conditions. There are no foreign transaction fees, no balance transfer incentive and eye-watering regular APR – so you’ll want to pay the card in-full each month. 

  • Annual fee: $199
  • Foreign transaction fee: $0
  • Regular APR: 21.49%–28.49% variable

Additional benefits

We’ve mentioned most of the card’s extra benefits in earlier sections. The highlights are instant status, an easy $100 statement credit and tier-qualifying night credits towards the next status level (Explorist). 

Curiously there’s no way to score actual free nights – not directly, at least – but there’s plenty of monetary value here, nonetheless. 

  • Complimentary World of Hyatt Discoverist Status for you and up to five employees, which includes free premium WiFi, Elite Check-In, late checkout (2pm), an American Airlines AAdvantage Bonus and an additional 10% Bonus Points on eligible Hyatt purchases. 
  • Faster Elite Status, including 5 Tier-Qualifying night credits towards status and Milestone rewards for every $10,000 you spend within a calendar year. 
  • $100 in Hyatt credit after spending $100 in Hyatt purchases (spend $50, earn $50 up to two times). 
  • 10% back on redeemed Bonus Points for the rest of the year after spending $50,000 in a calendar year. 
  • Travel insurance including Trip Cancellation/Interruption, Baggage Delay Insurance, Lost Luggage Reimbursement, Auto Rental Collision Damage Waiver and general Purchase Protection to protect other business expenses (laptops, projectors) you put on the card.

Credit cards similar to World of Hyatt Business Credit Card

When it comes to generating Hyatt Bonus Points, the World of Hyatt Business Credit Card’s most direct rival is its own stablemate: the World of Hyatt Credit Card. However, you might also consider the Ink Business Preferred Credit Card since it has a steep welcome bonus and a 1:1 transfer ratio to World of Hyatt Bonus Points. 

The World of Hyatt Credit Card vs. World of Hyatt Business Credit Card

Despite having a nearly-identical name, the non-business (casual?) World of Hyatt Credit Card offers a whole different set of rewards and bonuses. 

For starters, the 4X on Hyatt purchases remains the same but the 2X category becomes static, covering dining, flights, gym memberships and local transit. You’ll also get one free night on your card anniversary, a free second night after spending $15,000 in a calendar year and 2 Tier-Qualifying night credits for every $5,000 you spend. 

The simple rewards, lower annual fee ($95) and focus on free nights all position the World of Hyatt Credit Card as the better choice for personal travel. Even if you think the business card would be better for your personal travel plans, consider that putting personal expenses on a business credit card isn’t just bad accounting – it’s also a violation of many cardmember agreements, and can result in your account being terminated (along with your points). 

The Ink Business Preferred Credit Card vs. World of Hyatt Business Credit Card

The Ink Business Preferred card by Chase has a huge welcome bonus (100k points after spending $8,000 in three months) and overall better rewards, offering 3X on shipping, advertising, internet/cable/phone and travel. You’ll also get 5X on Lyft rides through March 2025, free employee cards and a 25% value multiplier when you book travel through Chase Ultimate Rewards. 

If you booked a Hyatt stay using your Ink Business Preferred card you’d score 3X Chase Ultimate Rewards Points instead of 4X Hyatt Bonus Points like you would using your World of Hyatt Business card. But Chase Ultimate Rewards points are more flexible; you can convert 1,000 points to $10 cash, $12.50 in travel booked through Chase Ultimate Rewards, or 1,000 Bonus Points since Hyatt is a 1:1 transfer partner. 

So if you’re looking for a business travel rewards card that’s nearly as rewarding towards future Hyatt stays—but way more flexible in terms of redemption options—the Ink Business Preferred might be a better fit than the World of Hyatt Business card. 

Is the World of Hyatt Business Credit Card right for you?

If you frequently book Hyatt for business, there’s very little reason not to have the World of Hyatt Business Credit Card. Without it, you’re leaving 4X points on the table along with a mammoth-sized welcome bonus. If you have employees to add as authorized cardholders, the value proposition of the card quite literally multiplies. 

On the flip side, if you book a mix of personal and business stays at Hyatt properties, you’re better off using the regular World of Hyatt Credit Card – lest you run afoul of Chase’s cardmember agreement for putting personal expenses on a business card. 

If you’re looking for the best business hotel rewards card in general, consider the IHG One Rewards Premier Business Credit Card instead. And if you’re mostly interested in general cash back for your business, the Ink Business Preferred might be a better fit with its 100k-point welcome bonus and more. 

Frequently asked questions 

What is the World of Hyatt Business Credit Card’s annual fee?

The World of Hyatt Business Credit Card’s annual fee is $199. 

What credit score do you need for a World of Hyatt Business Credit Card?

Chase doesn’t publish the credit scores required for its various rewards cards, but a safe estimate would be 700 or higher. 

Which bank has the World of Hyatt Business Credit Card?

Chase Bank currently offers the World of Hyatt Business Credit Card. 

Please note that card details are accurate as of the publish date, but are subject to change at any time at the discretion of the issuer. Please contact the card issuer to verify rates, fees, and benefits before applying.



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