Chase
World of Hyatt Business Credit Card
Key Features
| Annual Fee | $199.00 |
| Sign-up Bonus | 70,000 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 earns an overall rating of 4.3 out of 5.0, placing it squarely in the 'Excellent' category. This card is an exceptional tool for its specific target audience: business owners with strong loyalty to Hyatt hotels and the capacity to maximize its robust rewards program and associated benefits. Its standout feature is its 'Exceptional' Rewards Rating (4.8/5.0), driven by an impressive earning structure of up to 9 total points per dollar at Hyatt, a flexible 2 bonus points in the top three spend categories each quarter, and a generous 70,000-point sign-up bonus. The card also offers unique advantages like a clear path to elite status through spending (5 Tier-Qualifying night credits for every $10,000 spent) and automatic Discoverist status. The Fee structure is 'Good' (3.8/5.0); while the stated annual fee is $199, it is effectively reduced to a reasonable $99 through two annual $50 Hyatt statement credits. Crucially for business travelers, it carries no foreign transaction fees. The card benefits significantly from Chase's strong reputation as an issuer, providing reliability and excellent customer service. The primary weakness, and the factor preventing a higher 'Exceptional' rating, is its 'Poor' APR Rating (1.7/5.0). With a variable regular APR ranging from 19.24% to 27.74% and no introductory APR offer, this card is very expensive for carrying a balance. However, for its intended users—businesses that pay their balances in full to avoid interest—this drawback is mitigated. For a Hyatt-focused business, the immense value derived from points, elite status progression, and travel protections far outweighs the effective annual fee and the high APR, making it an excellent and highly recommended option within its niche.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
- Valuable travel and purchase protections
- Flexible bonus categories
Things to consider
- Annual fee
- High regular APR
- No intro APR period
What this card offers
Sign-up bonuses
- Earn 70,000 Bonus Points after you spend $7,000 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.
- Eligible categories are: Dining; Shipping; Airline tickets when purchased directly with the airline; Local transit & Commuting; Social Media & Search Engine Advertising; Car Rental Agencies; Gas stations; Internet, Cable & Phone Services
- Earn 2 Bonus Points per $1 spent on fitness club and gym memberships.
- 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
- 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.
- 10% Redemption bonus 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.
- Hyatt Leverage membership 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.
- No foreign transaction fees You will pay no foreign transaction fees when you use your card for purchases made outside the United States.
- Contactless - Just Tap To Pay For fast, easy and secure checkout simply tap to pay where you see the Contactless symbol.
- DoorDash 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.
- Auto Rental Coverage 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.
- Travel and Emergency Assistance 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.
- Trip Cancellation and Interruption Insurance 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.
- Purchase Protection Covers your eligible new purchases for 120 days from the date of purchase against damage or theft up to $10,000 per item.
- Extended Warranty Protection 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.
- Chase Pay Over Time No interest - just a fixed monthly fee with plan durations that range from 3-24 months.
Additional Notes
Credit Cards are issued by JPMorgan Chase Bank, N.A. Member FDIC.