Chase
World of Hyatt Business Credit Card
Key Features
| Annual Fee | $199.00 |
| Sign-up Bonus | 60,000 Bonus Points |
| Rewards Rate | Up to 9x Points at Hyatt |
| Regular APR | 19.24Min. of (6.75+12.49) and 29.99%–27.74Min. of (6.75+20.99) and 29.99% variable APR. |
About this card
The World of Hyatt Business Credit Card receives an overall rating of 4.2 out of 5.0, placing it in the 'Excellent' category. This card is an outstanding choice for its specific target audience: business owners who are loyal to Hyatt hotels and can fully leverage its robust rewards program and associated benefits. The card's primary strength lies in its exceptional rewards (4.7/5.0), offering up to 9 total points per dollar at Hyatt, 2 bonus points in the top three spend categories quarterly, and significant avenues for earning elite status through spending (5 Tier-Qualifying night credits for every $10,000 spent). The sign-up bonus of 60,000 points after $5,000 spend in 3 months is generous and more attainable than previous offers, providing substantial initial value. The fee structure (3.8/5.0) is also a strong positive, as the $199 annual fee is effectively reduced to $99 with two annual $50 Hyatt statement credits, and there are no foreign transaction fees, making it excellent for international business travel. The card also benefits from Chase's strong reputation (estimated 4.3/5.0), adding to its trustworthiness and reliability. The main drawback, and what prevents a higher 'Exceptional' rating, is its very high regular APR (1.7/5.0), ranging from 19.24% to 27.74%. This makes carrying a balance very expensive and is a significant concern for businesses that may not pay their statement in full each month. However, for businesses that manage their credit responsibly and pay balances in full, the card's value proposition is exceptionally strong within the Hyatt ecosystem. It delivers significant value through points, elite status progression, and travel protections, outweighing the moderate effective annual fee and making it an excellent tool for Hyatt-focused business travel.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate, especially for hotel stays and top business spending categories
- No foreign transaction fees
- Automatic elite status and paths to higher status
- Valuable travel and purchase protections
- Dining and hotel statement credits
Things to consider
- High annual fee
- No intro APR period
- High regular APR
What this card offers
Sign-up bonuses
- Earn 60,000 Bonus Points after you spend $5,000 on purchases in the first 3 months of account opening.
Rewards
- Up to 9 total Points per $1 spent at Hyatt Hotels.
- 4 Bonus Points per $1 spent on qualifying purchases at Hyatt Hotels.
- Plus, up to 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member.
- Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter.
- Earn 2 Bonus Points per $1 spent on fitness club and gym memberships.
- Plus, earn 1 Bonus Point per $1 spent on all other purchases.
Other features
- Receive World of Hyatt Discoverist status for as long as your account is open.
- Give the gift of Discoverist status to up to five employees.
- Earn 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- Employee cards at no additional cost
- Spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- Spend $50,000 in a calendar year and get 10% of your redeemed points back for the rest of the year, on up to 200,000 points redeemed.
- With discounts on standard room rates at all participating Hyatt hotels, the Hyatt Leverage program can offer companies savings up to 15% off standard rates at participating Hyatt hotels worldwide.
- For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Get one-year complimentary DashPass, membership for both Doordash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. Activate by Dec 31, 2027.
- DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
- Chase Pay Over Time lets eligible Chase business card customers break up credit card expenses into manageable payments. Pay off an eligible purchase you've already made of $100 or more in smaller, equal monthly payments. No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
- Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to $60,000 for theft and collision damage for most rental vehicles with an MSRP of $125,000 or less.
- If you run into a problem while traveling away from home, this benefit provides legal and medical referrals and access to other travel and emergency assistance services. (You will be responsible for the cost of any goods or services obtained.)
- You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather or other covered situations.
- Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extends the time period of the manufacturer's U.S. warranty by an additional year, on eligible warranties of three years or less, up to four years from the date of purchase.