Rewards Plan
Welcome Bonus
Credit Rating
0% Intro
Annual Fee
APR
- Hyatt Leverage Program
- Employee Cards
- Low Rewards for Non Hyatt Categories
- Minimal Travel Perks
Rewards Plan
Welcome Bonus
0% Intro
PROS
- Hyatt Leverage Program
- Employee Cards
CONS
- Low Rewards for Non Hyatt Categories
- Minimal Travel Perks
APR
21.49%–28.49% variable
Annual Fee
$199
Balance Transfer Fee
$5 or 5%, whichever is greater
Credit Requirements
Good - Excellent
If you own a business and really like the Hyatt Group, it makes sense to choose the World of Hyatt business credit card. The card has some nice benefits, but they mostly apply to the Hyatt Group. You won't get any special perks like late checkout or room upgrades unless you have elite status in the Hyatt loyalty program.
The card gives you more rewards when you spend money at Hyatt hotels, but for all other purchases, you only get one or two points per dollar, which isn't that great.
If you don't stay at a Hyatt hotel very often throughout the year, it might be better to get a different rewards card that's more general. There are other business cards with similar annual fees that might give you better rewards and more flexibility when it comes to earning and using those rewards.
- 0% Introductory APR
- Anniversary Companion Certificate
- Free First Checked Bags
- Preferred Boarding
- No Foreign Transaction Fees
- Statement Credit for Inflight Purchases
- Travel Insurance
- High Annual Fee
- No Bonus Categories
- Low Rewards Rate
- High APR
How do I redeem rewards?
The points you earn with this card will be automatically deposited into your linked World of Hyatt account. This means that when you want to redeem them, you will need to log into your Hyatt account and browse the site for award nights for your preferred dates and location.
You can then book as normal, but you will use your points as your payment method.
How hard is it to get a World of Hyatt Business credit card?
If you have decent credit, you should not have great difficulty getting this card. However, the card is subject to Chase’s 5/24 rule.
So, if you’ve opened five or more new credit card accounts in the last 24 months, not only with Chase, but any card issuer, your application will be declined regardless of your credit status.
When it may not be a good idea?
This card is not a good choice if you are not particularly brand loyal to Hyatt. If you don’t typically stay at Hyatt locations regularly, you will be unlikely to leverage the full potential of the card and get the most value from it.
In this Review
Estimating Your Rewards: A Practical Simulation
Determining the exact amount of rewards you'll receive from the card can be challenging since it varies based on how you use it. Factors like whether it's your main or backup card and if you use it specifically for certain purchases come into play.
However, we've analyzed the card's potential and calculated an estimate of the rewards you could earn based on average usage. By breaking down rewards by specific categories such as supermarkets, travel, and dining, we've come up with an overall estimate for the World of Hyatt Business card:
| |
|---|---|
Spend Per Category | World of Hyatt Business Credit Card
|
$10,000 – U.S Supermarkets | 20,000 points |
$3,000 – Restaurants
| 3,000 points |
$5,000 – Airline | 10,000 points |
$4,000 – Hotels | 36,000 points |
$4,000 – Gas | 8,000 points |
Estimated Annual Points | 87,000 Points |
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Pros and Cons
In line with most credit cards, the World of Hyatt Business card offers both advantages and disadvantages
Pros | Cons |
|---|---|
Hyatt Statement Credit | Low Rewards for Non Hyatt Categories |
Hyatt Leverage Program | Minimal Travel Perks |
Redemption Bonus | |
Employee Cards | |
Rental Car Insurance | |
No Foreign Transaction Fees | |
Trip Cancellation/Interruption Insurance |
- Hyatt Statement Credit
If you spend $50 or more at any Hyatt location, you can earn $50 in statement credit. This perk is available two times per each anniversary year.
- Hyatt Leverage Program
The Hyatt Leverage program has the potential to offer companies average savings of $350 or more per year. The main perk of this program is discounts on the rates for standard rooms at participating Hyatt hotels.
- Redemption Bonus
If you spend $50,000 or more in a calendar year, you can get 10% of your redeemed points back for the remainder of the year. This perk is available for up to 200,000 redeemed points.
- World of Hyatt Discoverist Status
Receive World of Hyatt Discoverist status for as long as your account is open.
- Rental Car Insurance
If you pay for the entire rental with your card and decline the collision insurance offered at the rental company counter, you can benefit from auto rental collision damage waiver cover.
This is primary coverage when you’re renting a vehicle for business purposes. The insurance has a coverage limit for reimbursement against theft or collision damage up to the actual cash value of the vehicle, whether you’re in the U.S or abroad.
- DashPass
New cardholders can receive a complimentary DashPass, which can be used for DoorDash and Caviar. This membership offers unlimited deliveries with no delivery fees and you can also benefit from lower service fees on your eligible orders.
You do need to activate this benefit and if you don’t wish to continue after the year, cancel the automatic enrollment.
- Low Rewards for Non Hyatt Categories
Although, you can receive a higher rewards rate in popular categories, the base rewards rate is a little on the low side.
It is not unusual for a co-branded card to have rewards that are heavily weighted towards the brand, but many other hotel cards offer more than one point per dollar on all other spending.
- Minimal Travel Perks
While there is some travel insurance coverage, this card does have few other travel perks, which could enhance your travel experience.
- Trip Cancellation/Interruption Insurance
If your trip is cut short or canceled due to covered situations such as illness or severe weather, you can be reimbursed up to $1,500 per person for non refundable, pre-paid passenger fares. However, there is a coverage limit of $5,000 per trip.
- Emergency and Travel Assistance
As a cardholder, if you run into any problems when you’re away from home, you can call the helpline for medical or legal referrals, or any other emergency and travel assistance. The helpline is free to use, but you will be responsible for the costs of any services or goods you obtain.
- No Foreign Transaction Fees
As a travel credit card, there are no foreign transaction fees associated with this card.
- Employee Cards
As with many of the Chase business credit cards, you can request additional cards for your employees. This will allow you to more easily manage your business finances and you’ll earn points on the purchases made by your employees.
Who is the World of Hyatt Business Credit Card Best For?
This co-branded card is most suitable for individuals who exhibit strong brand loyalty towards the World of Hyatt group and typically stay at Hyatt locations multiple times annually. The card's rewards program heavily favors Hyatt purchases, and many of the benefits are specifically designed for the Hyatt group. Therefore, devoted customers will have the opportunity to extract maximum value from this card.
Moreover, the card could also be a wise choice for those who may not stay at Hyatt locations frequently but wish to simplify their business expense management. Since additional cards come at no cost and the second tier reward rate applies to your highest spending categories, you can accumulate a substantial number of points throughout the year, making it feasible to earn award nights.
Card | Rewards | Bonus | Annual Fee | |
|---|---|---|---|---|
| 3x – 26x
Up to 26 points per dollar at IHG Hotels and Resorts, 5 points per dollar on dining, travel, gas stations and select business purchases, with 3 points per dollar on all other purchases | up to 175,000 points
140,000 Bonus Points after spending $4,000 in the first 3 months from account opening.*Opens offer details overlay Plus, earn 35,000 Bonus Points after spending a total of $7,000 in the first 6 months from account opening | $99 | |
| 1% – 10%
1.5% cash back on all purchases10% Business Relationship Bonus. 5% cash back on the first $25,000 spent in combined purchases at office supply stores and on internet, cable and phone services. 2% cash back on the first $25,000 spent in combined purchases at gas stations and restaurants. 1% cash back on all other purchases | $750
$350 when you spend $3,000 on purchases in the first 3 months*Opens offer details overlay and an additional $400 when you spend $6,000 on purchases in the first 6 months after account opening | $0 | |
| Hilton Honors American Express Business Card | 3X – 12X
12X points on hotels and resorts in Hilton portfolio, 6X points on select business (U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases) and travel purchases (U.S. restaurants, airfare booked through Amex Travel and select car rentals) with 3X points on all other purchases
| 175,000 points
12X points on hotels and resorts in Hilton portfolio, 6X points on select business (U.S. gas stations, U.S. cellphone service providers and U.S. shipping purchases) and travel purchases (U.S. restaurants, airfare booked through Amex Travel and select car rentals) with 3X points on all other purchases
| $95 (Rates & Fees) |
| Marriott Bonvoy Business® American Express® Card
| 1x – 6x
6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program,4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping, 2x points on all other eligible purchases.
| Three Bonus Free Night Awards
Earn three bonus Free Night Awards after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership. Redemption level up to 50,000 Marriott Bonvoy® points for each bonus Free Night Award, at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
| $125
|
World Of Hyatt Business vs Personal Card
Chase offers the World of Hyatt business credit card and its personal credit card counterpart. The rewards ratio is quite similar but the business card is more flexible. Also, the business card welcome bonus is more attractive.
Card | Rewards | Bonus | Annual Fee | |
|---|---|---|---|---|
| 1X – 4X
4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x 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. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
| Up to 60,000 Bonus Points
30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
| $95 |
Personal customers can also receive a free award night every year, but they don’t get the redemption bonus offered to business customers. The suite of insurance coverage is also a little different. In addition to the trip cancellation/interruption and rental car coverage, personal customers also get baggage insurance.
The final difference is that the annual fee for the personal card is lower at $95 rather than the $199 with the business card.
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FAQs
Can I get pre-approved?
Chase does not have a pre approval button on the website for this card, but it does periodically send out mailers and other promotional materials offering pre approval to select customers. A
dditionally, you may be offered pre approval, if you’re an existing Chase customer, when you log into your account and check your tailored offers and deals.
What are card income requirements?
There are no official income requirements for this card, but you do need to have good to excellent credit. While Chase will check your income to ensure that you have sufficient disposable income to support the card, it is not the only factor that is considered when making an approval decision.
Does the card provide travel insurance?
Yes, the World of Hyatt business credit card offers trip interruption/cancellation coverage along with rental car insurance. However, there is no baggage insurance as you get with the personal World of Hyatt card.
