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World of Hyatt Business Credit Card Review: A Niche Card for Businesses With High Travel Spending

Review Updated
Brittney Myers
Nathan Alderman
Many or all of the products here are from our partners that compensate us. It’s how we make money. But our editorial integrity ensures that our product ratings are not influenced by compensation.

The World of Hyatt Business Credit Card (see rates and fees) is good for high-spending small-business owners who frequent Hyatt properties. The card has some interesting perks but they'll only make up for the high annual fee for a small group of cardholders. Many people, even business owners, may be better off with the consumer World of Hyatt Card.

See which group you fall into in our detailed World of Hyatt Business Credit Card review.

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)
Credit Score Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Good/Excellent (670-850)

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

19.99% - 28.49% Variable

Rewards Circle with letter I in it. Earn Up to 9x points total for Hyatt stays. 4 Bonus Points per $1 on qualifying purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member. 2 Bonus Points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services. 2 Bonus Points per $1 spent on fitness club and gym memberships. 1 Bonus Point per $1 spent on all other purchases.

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Annual Fee

$199

Welcome Offer Circle with letter I in it. 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

60,000 Bonus Points

  • This card's perks are focused on high spenders, so the annual fee may not be worth paying for businesses with smaller travel budgets. It lacks annual award nights and only has Discoverist status as a base perk. A Chase travel card or the consumer Hyatt card will be a better fit for most people.

    • Competitive welcome bonus
    • Earn Hyatt points on purchases
    • Annual Hyatt credits
    • Hyatt Leverage membership
    • Potential for points rebated
    • High annual fee
    • No free night awards
    • Only basic elite status
    • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
    • Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 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.
    • 2 Bonus Points per $1 spent on fitness club and gym memberships
    • 1 Bonus Point per $1 spent on all other purchases.
    • Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
    • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
    • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
    • Member FDIC

Our Top Business Credit Card Alternate Options

We suggest taking a good look at various options to pick the perfect card for you and your small business. Remember, not all business credit cards are created equal, and every business has unique needs. To help you out, we've put together a short list of top-notch business credit cards that offer great value across a variety of business types.

Offer Our Rating Welcome Offer Rewards Program APR Learn More
Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Earn up to $750 bonus cash back Circle with letter I in it. Earn $350 when you spend $3,000 on purchases in the first three months and an additional $400 when you spend $6,000 on purchases in the first six months after account opening. Earn 5% cash back in select business categories Circle with letter I in it. Earn 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services each account anniversary year. Earn 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants each account anniversary year. Earn 1% cash back on all other card purchases with no limit to the amount you can earn.

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 25.49% Variable

Rating image, 4.50 out of 5 stars.
4.50/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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Earn $750 bonus cash back Circle with letter I in it. Earn $750 bonus cash back after you spend $6,000 on purchases in the first 3 months from account opening. Earn unlimited 1.5% cash back on every purchase Circle with letter I in it. Earn unlimited 1.5% cash back on every purchase made for your business

Intro: Circle with letter I in it. 0% Intro APR on Purchases

Purchases: 0% Intro APR on Purchases, 12 months

Balance Transfers: N/A

Regular: 17.49% - 23.49% Variable

Rating image, 4.75 out of 5 stars.
4.75/5 Circle with letter I in it. Our ratings are based on a 5 star scale. 5 stars equals Best. 4 stars equals Excellent. 3 stars equals Good. 2 stars equals Fair. 1 star equals Poor. We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
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up to 350,000 Miles Circle with letter I in it. Earn 150,000 Miles once you spend $30,000 in the first 3 months, and an additional 200,000 miles once you spend $200,000 in the first 6 months 2X-10X miles Circle with letter I in it. Earn unlimited 2X miles on every purchase, everywhere—with no limits or category restrictions. Earn unlimited 10X miles on hotels and rental cars and 5X miles on flights and vacation rentals booked through Capital One Travel, where you'll get the best prices on thousands of options.

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World of Hyatt Business Credit Card review

Is the World of Hyatt Business Credit Card worth it?

The most valuable perks of this hotel card are reserved for business owners who are spending a lot of money on this card, especially at Hyatt properties. At a minimum, you need to be paying cash for Hyatt stays at least twice a year to use the statement credits, and likely twice that to make the Hyatt Leverage membership worthwhile. 

If that's not you (or your business), you'll probably be better off with the consumer World of Hyatt credit card or a travel rewards card that has transferable points. Specifically, travel rewards from Chase cards transfer 1:1 to Hyatt.

Author's note

I considered the World of Hyatt Business Credit Card, but ultimately went with the The World of Hyatt Credit Card. I find it easier to maximize my value with the lower annual fee plus the annual free night award.

Both cards are issued by Chase, and I've had many Chase cards over the years with few issues. I don't love that I need separate logins for my personal and business credit cards, but otherwise find the digital banking easy to use, the app easy to navigate, and Chase customer service sufficient for my needs.

What everyone else is saying

Diverse perspectives are helpful in many areas of business, including making credit card choices. Here is what other folks are saying about the World of Hyatt Business Credit Card.

What our competitors think

Average competitor rating: 4.1 / 5.0 stars

We checked out reviews from five of our top competitors. The average score is a fair representation, three of the five were right at the four-star mark. 

Competitors like the ability to spend your way to higher status -- some far more than we do, in fact -- and the 4x points rate on Hyatt purchases was also a selling point for pretty much everyone. Plus, we all agree the welcome bonus is valuable. 

We agree less on the value of the Discoverist status: Some competitors list it as a top perk, while others, myself included, don't think it's all that impressive. Similarly, a few agree that most of the perks require too much spend to activate, while others don't seem to mind the high spending requirements.

Social media consensus

Poking through the forums and posts, the general social media consensus seems to agree that this card is only for high spenders. The folks who are finding value from the World of Hyatt Business Credit Card are those who are putting tens of thousands of dollars on these cards every year -- if not every month -- and/or staying at Hyatt properties multiple days a month.

Anyone else is being advised to stick to or get the consumer card. Commenters find the annual free night and lower fee to be easier to maximize, and note that both cards earn the same points on Hyatt stays.

World of Hyatt Business Credit Card features and benefits

Enjoy up to 17 free nights with this 60,000-point welcome bonus

New cardholders of the World of Hyatt Business Credit Card can earn 60,000 Bonus Points for spending $5,000 in the first 3 months. This is a reasonable spending requirement for a welcome bonus of this size, especially for a card with a high-spend audience.

What does 60,000 points get you? Here are a few examples:

  • 17 off-peak nights at a Category 1 Hyatt property (Ex: Hyatt Regency Rochester)
  • Five standard nights at a Category 3 Hyatt property (Ex: Hyatt House Denver)
  • Three standard nights at a Category 5 Hyatt property (Ex: Hyatt Place NYC / Times Square)
  • Two standard nights at a Category 7 Hyatt property (Ex: Alila Kothaifaru Maldives)
  • One peak night at a Category 8 Hyatt property (Ex: Park Hyatt Paris) 

Pro tip: You can earn a welcome bonus for both the personal and business World of Hyatt cards.

Earn your way to free nights with Hyatt points on purchases

A big reason to get a cobranded hotel card is to fast-track your points accrual, and this card can definitely help there. Cardholders earn 4x points per $1 on Hyatt purchases (and yes, that's on top of the points you earn as a World of Hyatt member).

Plus, cardholders earn 2x points per $1 on fitness club and gym members. Plus, 2x per $1 in their top two spending categories each month, as determined automatically by Hyatt. Potential categories include:

  • Dining
  • Shipping
  • Airline tickets when purchased directly with the airline
  • Local transit and commuting
  • Social media and search engine advertising
  • Car rental agencies
  • Gas stations
  • Internet, cable, and phone services

This is similar to what the personal World of Hyatt card earns, with the exception of the variable 2x category. Business cardholders have a few options that may better mesh with business spending, like the shipping and advertising options.

Cut the annual fee in half with annual Hyatt statement credits

Arguably, the most straightforward way to get value from this card is through the annual Hyatt credits. Simply use your card to spend $50 at an eligible Hyatt property and you'll get a $50 statement credit, up to two credits per year.

The fine print specifies that each credit requires a separate transaction. So you can't just spend $100 and get $100 back. You need to spend $50 on two separate occasions.

It shouldn't take much effort to maximize this credit organically if you're staying at Hyatt often enough to need this card in the first place.

Book with discounts up to 15% with Hyatt Leverage membership

Hyatt Leverage is a special corporate discount program that essentially gives you a special code you can use to get discounts at booking. Hyatt advertises that you can save up to 15% on the regular rate.

Based on the reviews I've read, this perk is sort of a mixed bag in terms of value. Most people are saying that the discount amounts are usually way less than 15%. In fact, one reviewer actually found that the Leverage rate was higher than the regular World of Hyatt member rate.

While even a small discount is still a discount, this perk will probably only really pay off (literally and figuratively) if you're spending quite a bit of money on Hyatt bookings each year. 

Spend $50K to unlock a 10% rebate on points redemptions

Here's another card perk aimed at high spenders. Cardholders who can spend $50,000 on the card unlock an extra 10% points redemption bonus. 

The $50,000 must be spent in one calendar year, and the redemption bonus only applies to redemptions made during the remainder of that year. For example, if you hit the $50,000 spending requirement in June, you'd have the redemption bonus from July through December.

Once again, this is a perk that, if you're spending enough money on this card to unlock it, it's probably a good benefit. But outside of those subset of business owners who are frequent Hyatt visitors, most people probably shouldn't put that kind of money on this card over other rewards card options.

What could be improved

High annual fee has to be made up each year

This card is going to cost you $95 a year. This is pretty expensive for what is, by perks alone, basically a mid-tier card. And that's especially true when you consider that the personal card is half the price.

Sure, you can fairly easily get $100 of that fee back in Hyatt credits. But what about the rest? There is no free night award, which is what typically makes hotel cards valuable. The status you get isn't even that impressive.

Most of the other perks that could have value require that you put a lot of spend on this card. If you can do that organically with business-related Hyatt spend, great. If not, this fee may just be too high to be worth it.

You're missing the free night award that makes hotel cards shine

I know I keep harping about the free night award, but there's a reason for that. The hotel cards in my wallet all pay for themselves handily by giving me a certificate for a free night every year. In fact, I'd argue that I get well more than my fee back through these awards.

The The World of Hyatt Credit Card has twice the annual fee as other mid-tier cards and no award. That makes it much, much harder to get your fee back in value.

Only basic status come free, leveling up requires lots of spend

One thing the top-tier hotel cards typically offer is high-level elite status. This card doesn't. As a cardholder, you simply get Discoverist status. This is the lowest status level (besides the starting Member level) and the same status you get with the personal card (at half the price).

In fairness, this card offers a way to effectively spend your way to status -- but it's going to take a lot of spending. Cardholders can get five Tier-Qualifying night credits per $10,000 in card spend each calendar year. 

It takes 30 credits to reach the second status level -- Explorist -- and 60 credits for top-level Globalist status. In pure spend, that would be $60,000 and $120,000, respectively.

What to know before applying

The World of Hyatt Credit Card credit score  

It's recommended that you have a personal credit score of 670 or higher when applying. Chase will perform a personal credit check for the business owner, as well as requiring a personal guarantee on the card balance. Chase may also check your business's credit history and score if it has them.

Pre-approval process

Chase sometimes offers an online pre-approval tool for consumer cards, but it is rarely available and doesn't typically show business card results. Otherwise, you may receive a Chase pre-approval offer by mail, through your existing Chase online account, or by requesting an offer from a teller in person at a Chase branch.

Regular APR

The World of Hyatt Business Credit Card doesn't have an intro APR. As such, the APR on purchases and balance transfers is just the standard APR of 19.99% - 28.49% Variable. 

Fees

  • Annual fee: $95
  • Foreign transaction fee: $0
  • Balance transfer fee: Either $5 or 5% of the amount of each balance transfer, whichever is greater.

Credit limit

According to Chase, the minimum credit limit of the The World of Hyatt Credit Card is $5,000. Business credit cards often have higher credit limits than personal cards, however, so it's not uncommon to see much higher limits on this card. I've seen reports of starting limits of $20,000 for this card, $100,000 limits on other Chase business cards.

Should you apply for the The World of Hyatt Credit Card?

The people who should get this card are those who will spend $50,000 (or more) on their card each year, with a healthy chunk of that spending being on Hyatt stays. Business owners who don't want to (or can't) put that much spend on this card should probably consider either another Hyatt card or a regular travel rewards card.

Our credit card methodology

At Motley Fool Money, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.

We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how Motley Fool Money rates credit cards.

FAQs

  • No, the The World of Hyatt Credit Card charges no foreign transaction fees.

  • The The World of Hyatt Credit Card is issued by Chase Bank (or J.P. Morgan Chase Bank, if you want to get formal).

  • No, the The World of Hyatt Credit Card is made of plastic like typical credit cards.