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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, receive an automatic Hyatt Discoverist status, and enjoy exclusive discounts on hotel stays. Plus, it comes with a reasonable annual fee and $0 foreign transaction fees. Note, however, that it doesn’t have 0% APR offers.
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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 APRs.
| Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
| Ongoing Rewards | 25 | 25 |
| Introductory Rewards | 25 | 25 |
| Additional Features | 25 | 25 |
| Annual Fee | 7 | 15 |
| Introductory APR | 0 | 5 |
| Ongoing APR | 3 | 5 |
| Total Score | 85 | 100 |
Who the World of Hyatt Business Credit Card Is Best For
- Those who stay primarily at Hyatt hotels: You can earn up to 9x points per dollar spent on purchases at all Hyatt hotels and enjoy several perks, including annual Hyatt credit, 10% bonus points back, exclusive discounts, and Hyatt Discoverist status.
- Those who travel frequently: This card lets you convert your World of Hyatt points into miles with any of World of Hyatt’s airline partners. Plus, it charges $0 transaction fees on international purchases.
Check out our recommended alternatives below if this card doesn’t fit the bill.
World of Hyatt Business Credit Card Rewards
- 60,000 bonus points after spending $5,000 on purchases within the first three months of account opening
- Up to 9x total points per $1 spent at Hyatt Hotels
- 4x bonus points per $1 spent on qualifying purchases at Hyatt Hotels, and
- Up to 5x base points from Hyatt per eligible $1 spent for being a World of Hyatt member
- 2x points per $1 spent in your top three spend categories each quarter, including:
- 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 $1 spent on fitness club and gym memberships
- 1x point per $1 spent on all other purchases
- 10,000 referral bonus points for each business that gets approved when you make a referral for the World of Hyatt Business Credit Card, up to 50,000 bonus points per year
Rewards Calculator
Find out how much you can earn from the World of Hyatt Business Credit Card based on your estimated monthly expenses. Our rewards calculator will compute your potential rewards—just enter your expected monthly spending, and our calculator will do the rest.
Note that each World of Hyatt point is valued at about 2.3 cents.
World of Hyatt Business Credit Card Calculator
Your potential annual reward earnings are:
You can redeem points for free nights, room upgrades, dining, spa, and more. You can also convert points to partner loyalty programs, like airlines, or do the Points + Cash award. Note that there are no caps or restrictions on how many points you can earn, and your rewards will not expire as long as your account remains active and in good standing.
World of Hyatt Business Credit Card Features
Travel Insurance & Protection
- Auto rental collision damage waiver: Decline the rental company’s collision insurance and charge the whole rental cost to your card, and get reimbursed up to the actual cash value of the vehicle for theft or collision damage for most rental cars in the United States and abroad.
- Travel and emergency assistance services: Contact the benefit administrator for legal and medical referrals or other travel and emergency assistance.
- Trip cancellation/interruption insurance: Get 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.
- Extend warranty protection: Extend the period of the US manufacturer’s warranty by an additional year on eligible warranties of three years or less.
- Purchase protection: Get your purchases covered for 120 days against damage or theft, up to $10,000 per claim and $50,000 per account.
Travel Perks
- Discoverist status: Enjoy Discoverist status for you and up to five employees when using the World of Hyatt Business Credit Card, and receive five tier-qualifying night credits after spending $10,000 within a 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.
- Hyatt Leverage membership: Get discounts of up to 15% off standard rates on standard-rate rooms at all participating Hyatt hotels.
- 10% redemption bonus: Receive 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.
Other Benefits
- Complimentary DashPassWhen you activate the offer by 1/31/25. : Receive a one-year complimentary DashPass, a membership for both DoorDash and Caviar, which gives you unlimited deliveries with $0 delivery fees and lower service fees.
- Employee cards: Streamline finances and earn points on purchases made by you and your employees by adding employee cards, at no additional cost.
World of Hyatt Business Credit Card Fees
APRs
- Introductory: None
- Ongoing, balance transfer, and My Chase LoanSM: 21.49% to 28.49% variable—adjusts with the prime rate
- Cash advance: 29.99% 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 a payment that’s returned unpaid
Fees
- Annual: $199
- My Chase PlanSM Fee (fixed finance charge): 1.72% of the amount of each eligible purchase transaction
- Balance transfer: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance: Either $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction: $0
- Late and returned payments: $40
- Return check: $0
Your due date is at least 20 days after the close of each billing cycle.
- Online or Chase Mobile® app: Go to chase.com/paycard to make a payment online. You can also enroll in automatic payments through the website or 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.
- 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
Alternatively, you can send your payment via overnight mail to the following address:
Chase Card Services
201 N. Walnut St.
Del-0153
Wilmington, DE 19801
- 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
World of Hyatt Business Credit Card Alternatives
Chase Ink Business Preferred® Credit Card
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|---|---|
| Regular APR | reg_apr,reg_apr_type |
| Annual Fee | annual_fees |
| Credit Needed | credit_score_needed |
The Chase Ink Business Preferred® Credit Card lets you earn a high introductory bonus of 90,000 points after you spend $8,000 on purchases in the first three months after account opening. On top of that, you’ll receive up to 5 points on your purchases, and enjoy 25% more points value when you redeem for travel. It charges a low annual fee of $95 only and $0 foreign transaction fees.
Check our guide to the best Chase business credit cards for more options from the same issuer.
The Business Platinum Card® from American Express
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
The Business Platinum Card® from American Express offers access to The Global Lounge Collection®, letting you use more than 1,550 airport lounges worldwide when you travel. What’s more, you can enjoy several travel perks like $200 airline fee credit, $209 CLEAR® Plus credit, and a statement credit for Global Entry or TSA PreCheck® with two options to choose from. Keep in mind, however, that it comes with a high annual fee of $895.
For more options from the issuer, see our list of the best American Express business credit cards.
U.S. Bank Business Altitude® Connect Visa Signature®Card
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
With the U.S. Bank Business Altitude® Connect Visa Signature® Card, you can earn up to 5x points on your purchases and a welcome offer of 60,000 points when you spend $6,000 on the Account Owner’s card in the first 180 days of opening your account. It comes with Priority PassTM Digital annual membership, offering access to over 1,700 VIP lounges worldwide, with four complimentary visits per year. Plus, it features the U.S. Bank ExtendPay® Plan, letting you pay off your eligible balance over time without interestYou'll only need to pay a small monthly fee. For new cardmembers, enjoy $0 fee when you sign up for an ExtendPay Plan within the first 60 days after account opening. .
See our guide to the best U.S. Bank business credit cards for more options from U.S. Bank.
Frequently Asked Questions (FAQs)
You can apply for a World of Hyatt Business Credit Card online or in person at the nearest Chase branch. Note that Chase does not accept applications over the phone, by mail, or at any Hyatt hotels.
When applying, ensure to have the following on hand:
- Business name, address, structure, description, and annual revenue
- Number of employees
- Estimated monthly spending
- Employer’s identification number (EIN) and/or owner’s Social Security number
You should be able to receive the card within seven to 10 business days if your application is approved. In the event that your application is denied, Chase will be sending the letter within the same timeframe citing the reasons for the denial of your application. While waiting for your application to be processed, you can call Chase’s customer service at (800) 436-7941.
As members of this program, you may be eligible for specific services and benefits offered by World of Hyatt hotels. The following are some of the benefits that you’ll receive as a World of Hyatt member:
- Member
- Save up to 10% with Member Rate at participating hotels
- Receive exclusive member-only offers
- Earn points on stays, dining, spa services, and FIND experiences
- Use points for free nights with no blackout dates at any Hyatt hotels (starting at 5,000 points)
- Get a free night award after staying at five different Hyatt brands
- Discoverist
- Earn free nights faster with 10% Bonus Points on qualifying purchases
- Get a 2 p.m. late checkout (upon availability)
- Receive complimentary premium internet anytime, anywhere
- Explorist
- Earn free nights faster with 20% Bonus Points on qualifying purchases
- Get access to upgraded rooms on qualifying nights (based on availability at check-in)
- Avail a 2 p.m. late checkout (upon availability)
- Globalist
- Earn free nights faster with 30% Bonus Points on qualifying purchases
- Enjoy room upgrades (up to standard suites)
- Get Club lounge access or complimentary breakfast
- Get a 4 p.m. late checkout (upon availability)
Bottom Line
The World of Hyatt Business Credit Card is best for business owners who travel frequently and stay primarily at Hyatt hotels. It offers up to 9x bonus points on purchases made in eligible categories and charges a $0 foreign transaction fee. You can also enjoy several travel perks including exclusive offers, discounts, and free nights. Note that some travel business credit cards offer an interest-free financing option and don’t charge annual fees.
Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers.
To see rates & fees for the American Express cardsFit Small Business may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened. mentioned in this article, reference the following links below:
American Express The Business Platinum Card®
