World of Hyatt Business Card review: Hyatt status and unique rewards earning structure
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BLUEPRINT
Updated 6:51 a.m. UTC Nov. 14, 2023
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This co-branded hotel business card earns adaptive rewards in your top spending categories and features Hyatt travel benefits, including Discoverist status for business owners and up to five employees.
About the World of Hyatt Business Credit Card * The information for the World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
For small business owners, the World of Hyatt Business Credit Card * The information for the World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. offers a unique opportunity to take advantage of varied business spending to earn rewards. Along with higher bonus rates with Hyatt, you earn bonus points in your top three eligible spending categories each quarter (through 12/31/24, then the top two categories). Eligible categories include dining, shipping, internet, cable phone services, and other popular categories among businesses.
The World of Hyatt Business Card carries a $199 annual fee. If you frequently stay at Hyatt properties and take advantage of business spending, it shouldn’t be hard to recoup the fee value, especially during the first year, provided you meet the card’s $5,000 minimum spending requirement for the welcome bonus in your first three months.
While this card offers several benefits, it’s lacking compared to The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . Hyatt’s business credit card doesn’t come with a free award night after each cardholder anniversary. It also earns five elite-qualifying nights each calendar year, just like the personal card. Cardholders can earn an additional five nights per $10,000 spent in a calendar year.
The World of Hyatt Business Card does come with two benefits not included with the personal Hyatt card. You can receive up to $100 in Hyatt statement credits annually (you’ll earn a $50 statement credit when you spend $50 or more twice per anniversary year). Cardholders also get a 10% redemption bonus after spending $50,000 on the card in a calendar year. Unfortunately, the redemption bonus only applies to purchases made after the $50,000 spending milestone and is capped at 20,000 points annually.
World of Hyatt Business Card basics
- Annual fee: $199.
- Welcome bonus: 60,000 points after spending $5,000 on purchases in the first three months of account opening.
- Rewards: 4 points per $1 on qualified purchases at Hyatt hotels, 2 points per $1 on the top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per $1 on fitness club and gym memberships and 1 point per $1 on all other purchases.
- APR: 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each balance transfer, whichever is greater, applies.
- Other perks and benefits: Automatic World of Hyatt Discoverist status, ability to gift Discoverist status to up to five employees, up to $100 in Hyatt statement credits, free employee cards, primary rental car coverage, trip cancellation/interruption insurance, DoorDash partner benefits.
- Does the issuer offer a pre-approval tool? No.
- Recommended credit score: Good to excellent.
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- 50+ cards analyzed.
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World of Hyatt Business Card other details
World of Hyatt Business Card rewards
Like most cobranded credit cards, the World of Hyatt Business Card’s highest bonus rates are earned through Hyatt purchases. Cardholders can earn 4 points per $1 on qualified purchases at Hyatt hotels, 2 points per $1 on the top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per $1 on fitness club and gym memberships and 1 point per $1 on all other purchases.
The World of Hyatt Business Credit Card also earns rewards through adaptive spending categories. Cardholders earn rewards in their top three spending categories each quarter (through 12/31/24, then the top two categories). Eligible spending categories include:
- Airline tickets purchased directly through the airline.
- Car rental agencies.
- Dining.
- Internet, cable and phone services.
- Gas stations.
- Local transit and commuting.
- Shipping.
- Social media and search engine advertising.
Activation isn’t required to earn rewards in eligible categories.
The card’s welcome bonus is straightforward — you earn 60,000 points after spending $5,000 on purchases in the first three months of account opening.
The best value when redeeming Hyatt points is for award nights at Hyatt properties. The hotel brand operates over 1,100 properties worldwide. Redemptions for free award nights start at 3,500 points. Hyatt used dynamic pricing, so awards may require more points depending on the timing and property. Hyatt hotels and resorts fall into eight categories and the higher the hotel category, the more points you’ll need for an award night. You can also book Hyatt stays using a combination of points and cash.
You can redeem Hyatt points in other ways besides hotel stays, but you may not receive the same value. Other redemption options include:
- Dining, spa experiences, and other eligible spending at Hyatt resorts.
- Rental cars.
- FIND experiences.
- Lindblad Expeditions.
- Meeting and event credits at Hyatt properties.
- Convert points to airline miles with partner airlines.
- Share or gift points to other World of Hyatt members.
World of Hyatt Business Card rewards potential
Using government data and other publicly available information, Blueprint estimates that a small business owner in the U.S. that would be in the market for this card has an annual income of $84,352 and $25,087 in expenses they are likely to be able to charge to a credit card.
Assuming our sample small business owner stays exclusively at participating Hyatt properties, we estimate they would spend $868 at Hyatt hotels per year. At 4 points per $1, they would earn 3,472 points.
With $507 spent annually on gym memberships (at 2 points per $1), cardholders would earn 1,014 points. This card also earns 2 points per $1 in the top three spending categories each quarter. Assuming the same top three categories for each quarter, $3,526 on dining would earn 7,052 points, $2,228 spent at gas stations would earn 4,456 points and $1,992 spent on internet, cable, and phone services annually would earn 3,984 points, for a total of 15,492 in top category spending.
The remaining $15,966 in card spending earns 1 point per $1, or 19,978 points. The total potential rewards for the year would be 35,944 points.
For a true value of Hyatt rewards, you would also need to factor in the card’s $199 annual fee and its welcome bonus, assuming you meet the spending requirement necessary to earn it.
World of Hyatt Business Card APR
The World of Hyatt Business Card has a 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each balance transfer, whichever is greater, applies. The Hyatt business card doesn’t feature any introductory APR offers.
World of Hyatt Business Card pros
- High rewards rate: Hyatt fans will love earning elevated rewards at Hyatt hotels with the Hyatt business card.
- No foreign transaction fees: With no foreign transaction fees on international purchases, this business card is great for business owners and employees who travel outside the U.S. or do business with companies based abroad.
- Automatic elite status: The World of Hyatt Business Credit Card comes with automatic World of Hyatt Discoverist status, which comes with perks like exclusive member rates, waived resort fees on award nights, premium internet and late checkout.
World of Hyatt Business Card cons
- Annual fee: The card carries a higher annual fee, at $199, than the personal card, which may offer better benefits depending on your needs.
- No intro APR: The World of Hyatt business card has no 0% introductory APR offer for purchases or balance transfers.
- No free-night certificates: Unfortunately, cardholders won’t receive a free award night following each card anniversary.
How the World of Hyatt Business Card compares to other cards
World of Hyatt Business Card vs. Marriott Bonvoy Business® American Express® Card * The information for the Marriott Bonvoy Business® American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
If you prefer staying at Marriott properties, the Marriott Bonvoy Business® American Express® Card * The information for the Marriott Bonvoy Business® American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) may be a better fit. Along with a large welcome bonus, the card features a lower annual fee of $125 and earns 6 points per $1 at on eligible purchases at hotels participating in the Marriott Bonvoy program, 4 points per $1 at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping and 2 points per $1 on all other eligible purchases. Other card benefits include a 7% room rate discount for bookings made directly through Marriott at hotels participating in the Marriott Bonvoy program, automatic Marriott Bonvoy Gold Elite status and premium internet access.
All information about Marriott Bonvoy Business® American Express® Card has been collected independently by Blueprint.
World of Hyatt Business Card vs. The Hilton Honors American Express Business Card * The information for the The Hilton Honors American Express Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Another American Express card to consider is The Hilton Honors American Express Business Card * The information for the The Hilton Honors American Express Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply), especially if you prefer staying at Hilton properties. The card offers a substantial welcome bonus with only a $195 annual fee. It earns 12 Hilton Honors points per $1 on eligible purchases at hotels or resorts in the Hilton Portfolio, 5 points per $1 on the first $100,000 in other purchases made with the card each calendar year, then 3 points per $1 thereafter. Card benefits include up to $240 back each year on eligible Hilton purchases (up to $60 in statement credits per quarter) and automatic Hilton Honors Gold status. Enrollment is required for select benefits.
All information about The Hilton Honors American Express Business Card has been collected independently by Blueprint.
World of Hyatt Business Card vs. Capital One Spark 2X Miles * The information for the Capital One Spark 2X Miles has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
If your business spending doesn’t include travel expenses with a particular hotel brand, consider a flexible business travel rewards credit card like the Capital One Spark 2X Miles * The information for the Capital One Spark 2X Miles has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. . This business card comes with a $0 intro annual fee for the first year; then $95 annual fee. It comes with a valuable welcome bonus and earns 2 miles per $1 on every purchase and 5 miles per $1 on hotels and rental cars booked through Capital One Travel and purchases through Capital One Entertainment. It also comes with an up to $100 statement credit for Global Entry or TSA PreCheck application fees every four years, two complimentary visits to Capital One lounges annually, and over 15+ travel transfer partners.
Ink Business Unlimited® Credit Card
Should you get the World of Hyatt Business Card?
Business owners who frequently stay at Hyatt hotels should consider the World of Hyatt Business Credit Credit Card, especially if you can maximize rewards through the card’s adaptive reward structure. You must be comfortable with paying a $199 annual fee. Between the card’s welcome bonus, rewards rates and Hyatt benefits — you could earn back the annual fee value each year. The card’s travel protections and lack of foreign transaction fees make it a solid choice for business travelers.
Travelers who prefer other hotel brands or don’t spend much in this card’s eligible spending categories may be better suited for another hotel or business credit card. You could earn many of the same card benefits through The World of Hyatt Credit Card * The information for the The World of Hyatt Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. and pair it with another business or general travel rewards card.
World of Hyatt Business Card summary
| WORLD OF HYATT BUSINESS CARD DETAILS | |
|---|---|
Annual fee
| $199
|
Rewards
| 4 points per $1 on qualified purchases at Hyatt hotels, 2 points per $1 on the top three spend categories each quarter through 12/31/24, then the top two categories each quarter, 2 points per $1 on fitness club and gym memberships and 1 point per $1 on all other purchases
|
APR
| 21.49% to 28.49% variable APR on purchases and balance transfers. A balance transfer fee of either $5 or 5% of each balance transfer, whichever is greater, applies
|
Welcome bonus
| 60,000 points after spending $5,000 on purchases in the first three months of account opening
|
Foreign transaction fee
| $0
|
Card benefits
| Automatic World of Hyatt Discoverist status, Discoverist status for up to five employees, up to $100 in Hyatt statement credits, free employee cards, rental car coverage, trip cancellation/interruption insurance, DoorDash partner benefits, 10% points redemption bonus
|
Methodology
Our credit cards team has spent hours analyzing hundreds of travel credit cards. We took a deep dive into the details of each product and that analysis, combined with our years of experience covering credit cards, informed us as we developed these credit card rankings. We factored the following into our analysis:
- Annual fees.
- Travel reward rates.
- Value of rewards.
- Redemption options.
- Additional benefits that a card may offer for travelers, such as travel insurance.
Frequently asked questions (FAQs)
Chase business cards don’t count against the Chase 5/24 rule. Getting the World of Hyatt Business Card won’t affect your application eligibility if you’re planning on opening more Chase cards in the near future. However, if you have five or more card applications in 24 months, you likely won’t be approved for a Hyatt Business Card.
The World of Hyatt Business Card doesn’t charge foreign transaction fees on overseas purchases.
You can redeem bonus points earned with the World of Hyatt Business Card for award nights at participating Hyatt properties worldwide. Hyatt award nights start at just 3,500 points, but the number of points needed to book free nights depends on factors such as the specific property and your travel dates.
The value of Hyatt points depends on the redemption chosen and other factors. Generally, the best value for Hyatt points is when redeemed for award stays with Hyatt. You can book award nights starting at 3,500 points per night for a standard room in a Category 1 hotel during off-peak season.
Chase doesn’t publish credit requirements publicly, but you likely need a good to excellent credit score to qualify for the World of Hyatt Business Card. A good FICO credit score is a score of 670 or higher.
For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.
*The information for the Capital One Spark 2X Miles, Marriott Bonvoy Business® American Express® Card, The Hilton Honors American Express Business Card, The World of Hyatt Credit Card and World of Hyatt Business Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.
Blueprint is an independent publisher and comparison service, not an investment advisor. The information provided is for educational purposes only and we encourage you to seek personalized advice from qualified professionals regarding specific financial decisions. Past performance is not indicative of future results.
Blueprint has an advertiser disclosure policy. The opinions, analyses, reviews or recommendations expressed in this article are those of the Blueprint editorial staff alone. Blueprint adheres to strict editorial integrity standards. The information is accurate as of the publish date, but always check the provider’s website for the most current information.
