World of Hyatt Business Credit Card Review for 2022
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.
Chase’s 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
Intro APR
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$199
Credit Needed
- 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
- Large sign-up bonus
- Free employee cards
- Zero foreign transaction fees
Cons
- High annual fee
- No zero annual fee period
- No 0% introductory rate
- 10% Bonus point redemption bonus
- $100 Annual Hyatt credit
- Five Tier-qualifying night credits
- Hyatt Leverage Membership
Intro APR
N/A
Regular APR
18.24% - 25.24% Variable
Annual Fee
$199
Credit Needed
- 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
- Large sign-up bonus
- Free employee cards
- Zero foreign transaction fees
Cons
- High annual fee
- No zero annual fee period
- No 0% introductory rate
- 10% Bonus point redemption bonus
- $100 Annual Hyatt credit
- Five Tier-qualifying night credits
- Hyatt Leverage Membership
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 take into account 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 | 25 | 25 |
Additional Features | 25 | 25 |
Annual Fee | 10 | 15 |
Introductory APR | 0 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 88 | 100 |
Who the World of Hyatt Business Credit Card Is Best For
- Business owners 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.
- Business owners who travel frequently: You can convert your World of Hyatt points into miles with any of World of Hyatt’s airline partners.
If you prefer another card from Chase, read our guide to the best Chase business credit cards. But if your needs are not fulfilled by any Chase card, see our list of the best small business credit cards.
World of Hyatt Business Credit Card Fees
APRs
- Introductory APR: None
- Ongoing APR: 18.24% to 25.24% variable—adjusts with the prime rate
- My Chase LoanSM APR: 18.24% to 25.24% variable—adjusts with the prime rate
- Balance transfer APR: 18.24% to 25.24% variable—adjusts with the prime rate
- Cash advance APR: 27.24% variable—adjusts with the prime rate
- Default APR: Up to 29.99%
- Note that default APR will be applied immediately to all outstanding balances and future transactions to your account if you:
-
- Failed to make a Minimum Payment by the date and time that it is due.
- Made an unpaid returned payment.
Fees
- Annual fee: $199
- Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater
- Cash advance fee: $15 or 5% of the amount of each transaction, whichever is greater
- Foreign transaction fee: None
- Late and returned payments: $40
- Return check: None
World of Hyatt Business Credit Card Rewards
- 60,000 bonus points after you spend $5,000 on purchases in your first three months after 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
- Limited Time offer: Apply by 10/6/22 and get the card to receive 2 Tier-Qualifying Night Credits for each night you stay from 8/23/22 through 12/31/22.
- 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 points per dollar spent on fitness club and gym memberships
- 1 point per dollar spent on all other purchases
- Automatic Hyatt Discoverist status for you and up to five employees
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
How To Make Payments on the World of Hyatt Business Credit Card
- Online: Pay manually or sign up for automatic payments
- Chase Mobile® App: Manage your credit card payments through this app.
- Automated phone service: Call (800) 436-7958 or the customer service number on the back of your card or billing statement.
- ATM or branch: Pay at any Chase ATM or local branch.
- Western Union: Should you wish to pay your credit card bills through Western Union, make sure you use the “Code City WALNUT.” Note that it may take up to seven days for the payment to be reflected in your account.
- Mail: Mail a check or money order with your name and account number to:
Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294
World of Hyatt Business Credit Card Features
$100 Annual Hyatt Credit
You can earn a $50 statement credit per qualifying Hyatt purchase with this card up to two times each anniversary year for a total of $100. Qualifying Hyatt purchases are single transactions of $50 or more made at Hyatt hotels and resorts, including at participating restaurants, locations, Small Luxury Hotels properties, and on Lindblad Expedition experiences purchased directly through the World of Hyatt program.
Hyatt Leverage Membership
Cardholders will be enrolled in the Hyatt Leverage Program. You will receive a World of Hyatt Discoverist status for as long as your account is open. Employees added to your account won’t be enrolled and won’t receive the associated benefits of the Hyatt Leverage Program.
Auto Rental Collision Damage Waiver
Coverage is provided for theft and collision damage when you rent a car using your World of Hyatt Business Credit Card. Coverage is primary if the vehicle rental is for business purposes, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Rentals of 31 consecutive days or fewer are eligible, and you may be reimbursed for up to the cash value of the vehicle. Certain vehicles aren’t covered, such as trucks, motorcycles, vans designed to carry more than eight people, and recreational vehicles.
Travel & Emergency Assistance
If you’re traveling away from home and run into a problem, you may call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. It’s important to note that this service will only connect you to the assistance needed—you will be responsible for the cost of any goods or services obtained.
Trip Cancelation/Interruption Insurance
You can be reimbursed 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 conditions, or other covered situations.
Purchase Protection
Items that are damaged or stolen within 120 days of purchase are covered with purchase protection. Chase may repair, replace, or reimburse you for these items up to $10,000 per claim and $50,000 per year. Antique items, animals, living plants, motorized vehicles, computer software, consumables, jewelry, medical equipment, and preowned items are excluded from this coverage.
Extended Warranty Protection
Chase will extend the original manufacturer’s warranty by an additional year on warranties of three years or less up to a maximum of $10,000 per claim and $50,000 per account. To be eligible, you must have charged a portion of the purchase to your UnitedSM Business Card or used reward points to make the purchase. This warranty protection doesn’t cover motorized vehicles, real estate, medical equipment, computer software, used items, and leased items.
Pros & Cons of the World of Hyatt Business Credit Card
| PROS | CONS |
|---|---|
| Large sign-up bonus: You can earn 60,000 bonus points after meeting the spending requirements. | High annual fee:The World of Hyatt Business Credit Card comes with an annual fee of $199, which is high compared to other small business credit cards. |
| Free employee cards: You can add employee cards at no additional cost, then set individual spending limits and earn points on every purchase made by your employees. | No zero annual fee period: This card doesn’t offer a zero annual fee period—you need to pay the $199 annual fee right away. |
| Zero foreign transaction fees: Use your card to make purchases outside of the country without having to worry about foreign transaction fees. | No 0% introductory rate: You cannot take advantage of interest-free financing if you plan to use this card to make a large purchase. |
World of Hyatt Business Credit Card Alternatives
Chase Ink Business Preferred®
Chase Ink Business Preferred® is an excellent alternative for business owners who have significant travel expenses but don’t need travel perks like airport lounge access or free expedited airport security screening. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®. These reasons landed it a spot on our roundup of the top-ranking business credit cards for travel.
Ink Business Preferred® Credit 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 travel rewards at a lower annual fee
Intro APR
N/A
Regular APR
18.24% - 23.24% Variable
Annual Fee
$95
Credit Needed
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cell Phone Protection: Get up to $1,000 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill
- Purchase Protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended Warranty Protection: You can extend the period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud Monitoring: Chase will help keep your accounts safe with account alerts – and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits – helping you earn rewards even faster
Intro APR
N/A
Regular APR
18.24% - 23.24% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
- Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
- With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
- With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information.
- Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
- Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
- Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
- Reward points are worth 25% more when you redeem for travel through the Chase Ultimate Rewards® card
- Comprehensive travel and purchase protection
- No foreign transaction fees
Cons
- No interst-free financing option on both purchases and balance transfers
- With annual fee
- Need to make extremely large purchases to qualify for the sign-up bonus
- Cell Phone Protection: Get up to $1,000 per claim in cell phone protection against covered theft or damage for you and your employees listed on your monthly cell phone bill
- Purchase Protection: Can cover your new purchases for 120 days against damage or theft of up to $10,000 per claim and $50,000 per account
- Extended Warranty Protection: You can extend the period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.
- Fraud Monitoring: Chase will help keep your accounts safe with account alerts – and you can choose how you’d like to receive them
- Free employee cards: You can create employee cards at no additional cost, and lets you set individual spending limits – helping you earn rewards even faster
Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card is a great option for business owners who stay primarily at Hilton hotels and resorts, want great lounge access, and don’t like foreign transaction fees. You can earn 12x points per dollar for purchases made directly with Hilton hotels and resorts, free weekend night rewards when you meet certain thresholds and 6x points per dollar spent on select business purchases like gas, United States wireless telephone services, and shipping within the US. These features are some reasons the card made it to our lists of the best business credit cards with airport lounge access and top business credit cards with no foreign transaction fee.
The Hilton Honors American Express Business Card
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
18.74% - 27.74% 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 US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend 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
- Low annual fee
- No foreign transaction fees
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
- Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Intro APR
N/A
Regular APR
18.74% - 27.74% 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 US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
- Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Weekend 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
- Low annual fee
- No foreign transaction fees
Cons
- Redemption options other than hotel stays are poor
- Balance transfers not allowed
- No 0% introductory APR
- Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
- Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
- Purchase protection: Covers your purchases for 120 days from purchase date if they’re damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
- Extended warranty protection: Offers up to an additional two years of coverage on manufacturers’ warranties of five years or less.
Marriott Bonvoy Business® American Express® Card
If you prefer to stay at Marriott hotels, consider getting a Marriott Bonvoy Business® American Express® Card to earn Marriott Bonvoy rewards. It offers 6x points at participating hotels—which include all of the previous Starwood Preferred Guest and Ritz-Carlton properties—and 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. This card even made it to our list of the leading business credit cards with no foreign transaction fee.
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
18.74% - 27.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
- 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
18.74% - 27.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 100,000 Bonus Marriott Bonvoy Points after spending $4,000 in purchases on your new Card in your first 3 months of Card Membership. Offer expires 11/2/22.
- 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
Bottom Line
The World of Hyatt Business Credit Card is best for business owners who travel frequently and stay primarily at Hyatt hotels. If this isn’t what you’re looking for, visit our Credit Card Marketplace or take a look at our best small business credit cards guide to find one that’s right for your business.
