World of Hyatt Business Credit Card Review for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Nancy Fernandez is a Credit Card and Insurance Expert at Fit Small Business, specializing in business credit cards and business insurance.
This article is part of a larger series on Best Small Business Credit Cards.
World of Hyatt Business Credit Card is designed for business owners who stay primarily at Hyatt hotels. You can earn premium points on purchases at all Hyatt hotels, get extra points from Hyatt for being a World of Hyatt member, and enjoy perks, such as Hyatt Discoverist status, free night awards, and tier-qualifying night credits.
If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.
World of Hyatt Business Credit Card
BEST FOR:
Those who primarily stay at Hyatt hotels
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$199
Credit Needed
Good to Excellent
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- 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 12/31/23, 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.
- 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
Pros
- With sign-up bonus
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory APR
- Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
Intro APR
N/A
Regular APR
20.24% - 27.24% Variable
Annual Fee
$199
Credit Needed
Good to Excellent
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- 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 12/31/23, 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.
- 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
Pros
- With sign-up bonus
- Doesn’t charge foreign transaction fees
- Premium features and rewards
Cons
- Charges annual fee
- Doesn’t have 0% introductory APR
- Discoverist status: You and up to five employees can enjoy Discoverist status with World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request and when available, and earn 5 tier-qualifying night credits after spending $10,000 within a calendar year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year — up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn 5 tier-qualifying points after spending $10,000 every calendar year.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
How We Evaluate Travel Rewards Business Credit Cards
When evaluating travel rewards business credit cards like the World of Hyatt Business Credit Card, we first consider ongoing rewards, introductory rewards, and additional features. We also rate the annual fee, introductory no-interest period, and ongoing annual percentage rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 25 |
Introductory Rewards | 20 | 25 |
Additional Features | 25 | 25 |
Annual Fee | 7 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 80 | 100 |
Who the World of Hyatt Business Credit Card Is Best For
- Those who stay primarily at Hyatt hotels: This card offers up to 9 points per dollar spent on purchases at all Hyatt hotels and several perks, including annual Hyatt credit, 10% bonus points back, and Hyatt Discoverist status.
- Those who travel frequently: You can convert your World of Hyatt points into miles with any of World of Hyatt’s airline partners.
Check out our recommended alternatives below if this card doesn’t quite fit the bill.
World of Hyatt Business Credit Card Fees
APRs
- Introductory: None
- Ongoing, balance transfer, and My Chase LoanSM: 20.24% to 27.24% variable—adjusts with the prime rate
- Cash advance: 29.24% variable—adjusts with the prime rate
- Penalty: Up to 29.99% variable—adjusts with the prime rate; this will be applied immediately to your account if you do one of the following:
- Fail to make a minimum payment by the date and time that it’s due
- Make an unpaid returned payment
Fees
- Annual: $199
- Balance transfer: $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction: None
- Late and returned payments: $40
- Return check: None
Your due date is at least 20 days after the close of each billing cycle.
World of Hyatt Business Credit Card Rewards
Reward Points
- 60,000 bonus points after spending $5,000 on purchases in your first three months after account opening
- 9x total points per dollar spent at Hyatt: 4 Bonus Points per $1 when you use your card at Hyatt hotels, participating Small Luxury Hotels of the World, and eligible Lindblad Expeditions and 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Unlimited 2x total points per dollar spent in your top three spend categories each quarter through Dec. 31, 2023, then your top two categories each quarter.
Eligible categories are as follows:
-
- 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
- 2x points per dollar spent on fitness club and gym memberships
- 1x points per dollar spent on all other purchases
There are no caps or restrictions on how many Bonus Points you can earn in your top three spend categories. You’ll see your Bonus Points within one to two billing statements after the quarter ends. Note that you can still expect to earn 2x Bonus Points in your top two categories past Dec. 31, 2023.
You can redeem points for free nights, room upgrades (starting at 3,000 points), convert miles with World of Hyatt’s airline partners, and more. You can also transfer a minimum of 5,000 points for 2,000 miles. (Click here for a detailed list of World of Hyatt’s airline partners and the number of miles/points/kilometers you can earn.)
You can also do the Points + Cash award to get 50% of the points required for a free night and 50 to 70% off the Standard Rate. Note that points redeemed for this award will be taken out of your World of Hyatt account at the time of booking.
How To Make Payments on the World of Hyatt Business Credit Card
- Online or Chase Mobile® app: Go to www.chase.com/paycard to make a payment online. You can also enroll in automatic payments through the website or the iOS or Android mobile app. When you enroll, specify the deposit account from which your payment will be deducted and how much you’d like to pay, such as your statement balance, minimum payment due, or any fixed amount.
- Phone: Call the automated phone service at (800) 436-7958.
- Western Union: Use the Code City WALNUT when paying via Western Union. It may take up to seven days for the payment to be reflected in your account.
- In-person: Go to the nearest Chase ATM or branch.
- Mail or money order: Include your name and full account number on your check or money order—don’t send cash. Mail your payment to the following address:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
World of Hyatt Business Credit Card Features
Travel Insurance and Protection
- Auto rental collision damage waiver: You can decline the rental company’s collision insurance and charge the whole rental cost to your World of Hyatt Business Credit Card. Note that coverage is primary and will provide reimbursement up to the actual cash value of the vehicle for theft or collision damage for most rental cars in the United States and abroad.
- Extend warranty protection: This lets you extend the period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
- Purchase protection: This covers your new purchases for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
- Roadside dispatch: Call (800) 847-2869 anytime if you have a roadside emergency—from a tow or jumpstart to a tire change, lockout service, winching, and gas delivery. Note that roadside service fees will be provided when you call and will be billed to your card.
- Travel and emergency assistance services: You can call the benefit administrator for legal and medical referrals or other travel and emergency assistance.
- Trip cancellation/interruption insurance: You can be reimbursed for up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares if your trip is canceled or cut short by sickness, severe weather, and other covered situations.
Other Benefits
- Discoverist status: You and up to five employees can enjoy Discoverist status with the World of Hyatt Business Credit Card. This includes 10% Bonus Points when choosing to earn points on eligible purchases in Hyatt, access to premium in-room internet, 2 p.m. late checkout upon request when available, and five tier-qualifying night credits after spending $10,000 within a calendar year.
- Employee cards: Streamline finances and earn points on purchases made by you and your employees by adding employee cards, at no additional cost.
- Up to $100 in Hyatt statement credits: Spend $50 or more at any Hyatt property and earn $50 statement credits twice each anniversary year.
- Hyatt leverage membership: Hyatt leverage program offers an average savings of up to $350 a year due to discounts on standard rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Get 10% of your points back for the rest of the year after spending $50,000 every calendar year—up to 200,000 points can be redeemed.
- Faster way of improving status and rewards: Earn five tier-qualifying points after spending $10,000 every calendar year.
World of Hyatt Business Credit Card Alternatives
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
0% on purchases
Regular APR
18.24% to 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
0% on purchases
Regular APR
18.24% to 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent, Good
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% APR balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Capital One Spark Miles Select for Business is a viable option if you want an introductory APR on purchases for nine billing cycles and don’t want to pay annual fees
- Lets you earn 5x on hotels and rental cars booked through Capital One Travel and unlimited 1.5x miles on all other purchases
- Is our top-recommended business credit card for travel and one of our best business credit cards for miles
Marriott Bonvoy Business® American Express® Card
Marriott Bonvoy Business® American Express® Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 6x points 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.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- 6x points 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.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
- Marriott Bonvoy Business® American Express® Card is an excellent option for business owners who prefer to stay at Marriott Bonvoy hotels, including all of the previous Starwood Preferred Guest and Ritz-Carlton properties
- Lets you earn 6x points per dollar on purchases at participating hotels in the Marriott Bonvoy® Program; 4x points for purchases made at restaurants worldwide, at US gas stations, on wireless telephone services purchased directly from US service providers, and on US purchases for shipping; and 2x points on all other purchases
- Lacks a 0% introductory APR
- Charges an annual fee of $125
- Is one of our top credit cards with no foreign transaction fees and business credit cards for travel
Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
20.24% - 29.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Hilton Honors American Express Business Card is a great alternative if you stay at Hilton properties frequently
- Lets you earn 12x points per dollar spent on purchases made directly with hotels and resorts in the Hilton portfolio; 6x points per dollar spent each on selected travel and business purchases; and 3x points per dollar spent on all other eligible purchases
- Doesn’t have a 0% introductory APR
- Charges an annual fee of $95
- Is one of our preferred business credit cards with airport lounge access and business credit cards for travel
For more options, see our guides on the best Chase business credit cards and the best small business credit cards. You can also visit our Credit Card Marketplace.
Bottom Line
World of Hyatt Business Credit Card is best for business owners who travel frequently and stay primarily at Hyatt hotels. You can earn premium rewards when using it at Hyatt and earn 2x Bonus Points on purchases made in eligible categories. Note that there are other travel business credit cards that offer an interest-free financing option and don’t charge annual fees.
