13 Valuable Benefits of the World of Hyatt Business Credit Card [2025]

In 2021, Hyatt finally launched a card targeted at business owners who spent a lot of time (and money) at its hotels. To this day, the World of Hyatt Business Credit Card remains the sole business offering in Hyatt’s lineup, providing opportunities to earn bonus points and accelerate elite status through annual spending.

Below, we’ll go over the key benefits of the World of Hyatt Business card — and why it might be worth adding to your wallet.

World of Hyatt Business Card Benefits Summary

New World of Hyatt Business card applicants are eligible to earn a welcome bonus offer. Historically, this offer has been for points, points and a free night certificate, or points and promotional elite status.

Below, you can find the latest bonus offer details:

• Earn 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.

NEW OFFER

Terms Apply / Rates & Fees

World of Hyatt Business Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

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World of Hyatt Business Credit Card

The World of Hyatt Business card provides a solid option for business travelers that are looking to put their expenses on a small business card.

Welcome Offer

Earn 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25.

60,000 points + Explorist status

UP's Offer Valuation*:

Up to $900

Annual Fee

$199

APR

19.99% - 28.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^®Score 8, one of many types of credit scores lenders may use when considering your credit cardapplication.

Good to Excellent

Why We Like This Card

Hyatt loyalists who do their fair share of business travel have been clamoring for the addition of a co-branded Hyatt business credit card for quite some time — and now it’s finally here.

The World of Hyatt Business Credit Card is now available. In this guide, we will walk you through everything you need to know about it!

Pros & Cons

Pros

• Up to 9x points total for Hyatt stays and experiences: 4 Bonus Points per $1 on qualified purchases at Hyatt hotels. Plus, up to 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member.
• 2x points per $1 spent in your top three spend categories each quarter. Eligible categories include: Dining, Shipping, Airline tickets when purchased directly with the airline, Local transit & Commuting, Social Media & Search Engine Advertising, Car Rental Agencies, Gas stations and Internet, Cable & Phone Services.
• 2x points per $1 spent on fitness club and gym memberships.

Cons

• $199 annual fee
• Bonus categories and benefits are very similar to the personal card

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Card Highlights

• 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
• Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 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.
• 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
• Member FDIC

Financial Snapshot

• APR: 19.99% - 28.49% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

But do all of the perks justify the $199 annual fee on this business card? Let’s find out.

Earning Potential

1. Earn Bonus World of Hyatt Points

With the World of Hyatt Business card, you can earn up to 9x points for Hyatt stays — 4x points from eligible purchases made with the card at Hyatt hotels, plus 5x base points at most properties just for being a World of Hyatt member (2.5x points at Hyatt Studio hotels).

You also earn 2x points on your top 3 spending categories each quarter — no enrollment or prior activation needed. The card automatically tracks your spending and rewards the highest categories, making it especially valuable for business owners with diverse expenses:

Outside of those bonus categories, there are a few ways to earn Hyatt points. You earn 2x points on fitness club and gym memberships and 1x points on all other eligible card purchases.

2. Earn up to $100 in Hyatt Credits Annually

The World of Hyatt Business card provides tangible ways to recoup the $199 annual fee. Each cardmember year (which is based on your account opening date), you receive up to $100 in Hyatt credits annually.

The credits are divided into 2 $50 statement credits. You earn a $50 credit by spending $50 or more at any Hyatt property with the card, up to twice per cardmember year.

Maximizing the full value of these credits should be effortless, even if you’re staying at a hotel with points. Whether you’re paying for room service, drinks at the hotel lobby, or spa services, just charge it to the World of Hyatt Business card to get your statement credits.

3. Receive a 10% Rebate of Points With Eligible Card Spend

The World of Hyatt Business card also offers lesser-known perks that add value with little effort. Once you spend $50,000 on the card in a calendar year, you get 10% of your redeemed points back for the rest of that year — up to a maximum of 200,000 points redeemed. This includes redemptions for free nights, Points + Cash stays, room upgrades, dining and spa services, and World of Hyatt Experiences.

This is a fantastic benefit for high-spending business owners looking to stretch their rewards further. For instance, if you hit the $50,000 spending mark and redeem 500,000 points for Hyatt stays within the year, you’d get 50,000 points back, earning even more points for your next hotel stay and making this card even more rewarding.

4. No Annual Fee for Employee Cards

Chase makes it simple to extend card benefits to trusted employees. You can add authorized user cards to your account at no extra annual cost, and any purchases made with those cards earn points for you — the primary cardholder — based on the same earning structure above.

Hotel Stay Benefits

Here’s how the World of Hyatt Business card can help level up your next hotel stay.

4. Automatic Elite Status

You have automatic World of Hyatt Discoverist status as long as you hold the card. And if that’s not enough, you can give this level of status to up to 5 employees in your company — just make sure they’ve signed up for a free World of Hyatt account. They don’t have to be authorized users of your World of Hyatt card to get this elite status level!

As a refresher, the World of Hyatt program has multiple tiers once you reach a certain number of qualifying nights annually:

• Member: 0 to 9 nights
• Discoverist: 10 to 29 nights or 25,000 base points earned
• Explorist: 30 to 59 nights or 50,000 base points earned
• Globalist: 60 or more nights or 100,000 base points earned

Remember that you earn 5x base points at nearly all Hyatt brands except for Hyatt Studios, where you earn 2.5x base points. Thanks to the automatic Discoverist status, you skip the usual requirements of 10 elite-qualifying nights or earning 25,000 base points (or spending $5,000 with Hyatt) in a calendar year.

At the Discoverist level, your benefits include 10% bonus points on eligible Hyatt purchases, access to premium internet, complimentary bottled water, a preferred room upgrade available at check-in, access to the elite check-in desk, and, perhaps the best perk, 2 p.m. late checkout.

5. Spend Your Way to Elite Status

The World of Hyatt Business card comes with automatic Discoverist status, but what if you’re aiming for even more elite perks? To reach Explorist or Globalist status, you need to earn 30 or 60 tier-qualifying nights, respectively.

The card offers a way to get there: You earn 5 tier-qualifying nights for every $10,000 you spend on the card within a calendar year. That means you could unlock Explorist status by spending $60,000 annually — or go all the way to Globalist status with $120,000 in yearly spending — without ever setting foot in a Hyatt property.

This unique perk is ideal for business owners with high expenses, though many travelers can combine card spending with actual hotel stays to strategically earn elite status faster.

Hot Tip:

Globalist is one of the most coveted elite status levels in travel. From complimentary breakfast to 4 p.m. checkout to free parking on award nights, travelers can save a ton of money on their Hyatt stays.

6. Complimentary Hyatt Leverage Membership

This business card also includes complimentary access to Hyatt Leverage — a valuable program for managing company travel. With Hyatt Leverage, you can get up to 15% off standard rates at participating hotels worldwide and easily organize multiple employee itineraries on a single platform.

As the program’s administrator, you also earn 2 qualifying nights for every $5,000 spent (up to $150,000 annually) on eligible room bookings through Hyatt Leverage, helping you get even closer to elite status.

Bottom Line:

Unlike its personal counterpart, The World of Hyatt Credit Card, the World of Hyatt Business card doesn’t include annual free night certificates. However, dedicated Hyatt fans can hold both cards to maximize benefits across the board.

Travel Protections

Is the World of Hyatt Business card the right travel card for your company? Keep reading to learn about the various travel protections that are offered on this card.

7. Primary Rental Car Insurance

Renting a car for a business trip? The World of Hyatt Business card offers primary rental car insurance — so long as you’re renting for business purposes and not personal travel. For the coverage to kick in, make sure to decline the rental car company’s collision insurance and charge the entire rental car cost to the card.

Up to $60,000 can be reimbursed for theft and collision damage to most rental cars with a manufacturer’s suggested retail price of $125,000 or less.

Hot Tip:

Once you’re approved for the World of Hyatt Business card, you receive a detailed benefits guide that covers additional exclusions for these complimentary travel and purchase protections.

8. Trip Cancellation and Interruption Insurance

Any good travel credit card should offer some form of trip cancellation and interruption insurance, which can save the day in case of any travel snafus, including sickness and severe weather delays. By paying for your flights and other trip expenses with the World of Hyatt Business card, you can receive up to $1,500 in reimbursements per covered traveler (for a maximum of $6,000 per trip).

9. Roadside Assistance

Whether you’re driving your own car or a rental, the World of Hyatt Business card offers access to Chase’s roadside assistance — just call 866-860-7978. A service provider will be sent to help with issues like flat tires or dead batteries, and any applicable fees will be charged to your card at the time of service.

10. Travel and Emergency Assistance

The World of Hyatt Business card gives you access to helpful resources while traveling. In the event of an emergency, you can receive referrals for legal or medical assistance, along with other emergency services. Keep in mind, however, that you’re responsible for any costs associated with the services provided.

11. No Foreign Transaction Fees

As a Visa Signature card with contactless payment capability, the World of Hyatt Business card is widely accepted around the world. Even better, you won’t be charged any foreign transaction fees when making purchases in other currencies.

Shopping Protections

Chase offers one of the most comprehensive shopping protection packages on its cards, and the issuer has made no exception for the World of Hyatt Business card.

12. Purchase Protection

Purchase protection offers coverage for eligible items bought with your card, protecting against theft or damage for up to 120 days. You can file claims for up to $10,000 per item.

13. Extended Warranty Protection

Extended warranty protection adds extra peace of mind by lengthening eligible manufacturer warranties on certain purchases, whether it’s a laptop or a household appliance. With the World of Hyatt Business card, you receive an additional year of coverage on U.S. manufacturer warranties of 3 years or less, extending protection for up to 4 years from the purchase date.

Final Thoughts

The World of Hyatt Business card comes packed with valuable perks, especially when it comes to earning substantial points on business and travel spending and accelerating your path to elite status. Paired with the strength of the World of Hyatt program, widely regarded as one of the top hotel loyalty programs, your points can go far, with thousands of properties available for redemption.