World of Hyatt Business Credit Card overview
The World of Hyatt Business Credit Card is a mid-tier hotel credit card that can provide serious value to Hyatt loyalists looking to spend their way toward status perks or unlock a 10% points rebate feature. However, there are trade-offs you should consider before putting that much spending on a credit card that doesn’t offer any free night certificates or automatic status beyond the lowest level. Card rating*: ⭐⭐⭐½
* Card rating is based on the opinion of TPG’s editors and is not influenced by the card issuer.
The World of Hyatt Business Credit Card from Chase offers some interesting perks geared toward small-business owners who are Hyatt loyalists. If you have an excellent credit score of 670 or above and are focused on earning World of Hyatt points and status, this could be a good card for you.
The Hyatt Business card lacks some of the features we typically expect from hotel credit cards, like status beyond the lowest level and free night certificates on your account anniversary. However, it offers a powerful set of perks for business owners who are interested in spending their way toward benefits. If you can take advantage of these spending-based perks, the card easily justifies its $199 annual fee. If not, then this card might not be a long-term keeper for you.
Here’s what you need to know before applying.
World of Hyatt Business Credit Card welcome offer
New applicants for the World of Hyatt Business Credit Card can earn up to 75,000 bonus World of Hyatt points: 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening and another 15,000 bonus points after spending $12,000 in the first six months from account opening.
TPG values World of Hyatt points at 1.7 cents each, making the full bonus worth an impressive $1,275.
This 75,000-point bonus matches the best-ever welcome offer on this card, which we saw for the first six months after the card launched in 2021. This time, however, the spending requirement is higher now than it was for that first offer.
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World of Hyatt Business Credit Card benefits
The World of Hyatt Business Credit Card offers several key perks:
- Up to $100 in Hyatt credits annually: Get a $50 statement credit when you use your card to spend $50 or more at Hyatt hotels and resorts (up to two times per year for a total of $100 in annual credits)
- Discoverist status for you and up to five employees: As the primary account holder, you’ll receive automatic Discoverist status with World of Hyatt and get five Discoverist Upgrade Awards, which you can gift to employees
- Earn stay credits toward status through spending: You’ll receive five tier-qualifying night credits for every $10,000 you spend each calendar year
- Ability to get a 10% points rebate: If you and your employees collectively spend at least $50,000 in a calendar year, you’ll get 10% bonus points back on up to a total of 200,000 World of Hyatt points you redeem for free night awards, Points + Cash stays, room upgrades, dining and spa services and FIND experiences for the remainder of the calendar year
- Hyatt Leverage membership: You’ll receive a complimentary Hyatt Leverage membership, which includes discounts on standard room rates at all participating Hyatt hotels
- No foreign transaction fees
Again, it’s disappointing not to see a higher level of elite status or a free night certificate on this list of benefits. Still, those who stay at Hyatt properties regularly will benefit from the Hyatt credit, automatic Discoverist status and Hyatt Leverage membership. And if your small business spends enough with this card, you can enjoy an easier path to status and a 10% points rebate.
Earning points on the World of Hyatt Business Credit Card
As a World of Hyatt Business cardholder, you’ll earn 4 points per dollar spent at Hyatt hotels, participating Small Luxury Hotels of the World and eligible Lindblad Expeditions.
You will also earn 2 points per dollar spent on fitness club and gym membership purchases as well as in your top three spending categories each quarter through Dec. 31, 2024. Starting Jan. 1, 2025, that will change to your top two categories. Categories include:
The points-earning rates are adjusted automatically to the categories where you spend the most each quarter, so there’s no need to select your preferred categories. Beyond your bonus categories, you’ll earn 1 point per dollar on all other purchases.
While this stands out as one of the few cards that earns bonus points on gym memberships, you’ll find many other cards that have better earning structures for the other bonus categories. If you aren’t focused on earning the benefits that come from putting high spend on this card, your best bet will be to use it alongside some other cards to maximize your bonus earning potential.
Redeeming points on the World of Hyatt Business Credit Card
As is expected of a hotel cobranded card, the best use of the World of Hyatt points you’ll earn on the World of Hyatt Business Credit Card is to cover stays at Hyatt properties. You can do this by covering your stay in full, covering part of your stay with points through Hyatt’s “Points + Cash” rate option, or by using points to upgrade a paid stay.
One of the best things about the World of Hyatt program is that it uses an award chart, so you can plan ahead to know how many points you’ll need for a stay. However, each category has different rates for standard, peak and off-peak dates.
To get the most value from your points, use them at either the high or low end of the award chart. TPG content director Summer Hull prefers to stay on the higher end, getting great value from her points by using them to stay at Hyatt resorts or city properties that would otherwise be out of her budget. Conversely, you can maximize your points by staying at the lower end of the award chart. With options as low as 3,500 points, I prefer to stay at Category 1 Hyatt properties when I can to stretch my points as far as possible.
You also have the option to redeem your World of Hyatt points for Avis intermediate rental cars for 6,000 points per day, use them for dining, spa or meeting credits at Hyatt properties, redeem them for Lindblad Expeditions or Find Experiences, or transfer them to some airline programs. However, you’ll generally get lower than our 1.7 cent per-point valuation with these redemption options, so we recommend using your points to cover Hyatt stays when possible.
Which cards compete with the World of Hyatt Business Credit Card?
If you want more perks or a different earning structure, one of these options might be a better fit.
- If you want Hyatt perks for a lower annual fee: The personal World of Hyatt Credit Card earns bonus points on Hyatt purchases and provides automatic Discoverist status and a path to higher status through spending for a lower $95 annual fee. For more details, check out our full review of the World of Hyatt card.
- If you want to earn more on your business purchases: The Ink Business Preferred Credit Card earns 3 points per dollar on the first $150,000 in combined purchases on travel and common business categories. It earns Chase Ultimate Rewards points, which you can transfer to World of Hyatt or any of Chase’s other 13 hotel and airline partners. For more details, check out our full review of the Ink Business Preferred.
- If you want more general travel benefits: The Chase Sapphire Reserve comes with complimentary airport lounge access, a $300 annual travel credit, a Global Entry or TSA PreCheck credit and comprehensive travel protections. It also earns Chase Ultimate Rewards points that you can transfer to World of Hyatt or any of Chase’s other travel partners. For more details, check out our full review of the Chase Sapphire Reserve.
Is the World of Hyatt Business Credit Card worth the annual fee?
If you can take advantage of the two Hyatt statement credits on your World of Hyatt Business Credit Card, you’ll get $100 in value from that perk alone. We value the automatic Discoverist status you get with this card at $165, so these two perks alone more than justify the card’s $199 annual fee. However, a missing annual free night certificate and high spending requirements for status and a points redemption mean you might get more value from a different card.
The current elevated welcome offer and value from ongoing benefits make the World of Hyatt Business card worth getting for small-business owners who regularly stay at Hyatt properties. However, those who rarely stay at Hyatt properties or who want more benefits for a lower spending requirement will want to go with a different card.
Apply here: World of Hyatt Business Credit Card