Why I’m Finally Applying for the World of Hyatt Business Card

Over the years, I have stayed at hundreds of hotels worldwide across every major U.S. hotel chain. Of all the hotel chains I have stayed at, Hyatt is, by far, my favorite.

Naturally, I have The World of Hyatt Credit Card in my wallet, which provides me with much value. However, there is also the World of Hyatt Business Credit Card, which I have long considered yet have not applied for. Here’s the welcome bonus offer details:

• Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

Here’s why I finally decided to apply for it.

World of Hyatt Business Card Overview

The World of Hyatt Business card is an excellent card for business owners who also tend to stay at Hyatt hotels and want a fast-track toward earning World of Hyatt elite status.

In addition to the fantastic welcome bonus offer, the World of Hyatt Business card earns 4x points at Hyatt hotels and 2x points at fitness clubs and on gym memberships. It also earns 2x points in your top 3 spend categories each quarter, which includes popular categories like dining, shipping, airline tickets when purchased directly with the airline, local transit & commuting, social media and search engine advertising, car rental agencies, gas stations, and internet, cable, and phone services.

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 after you spend $5,000 on purchases in your first 3 months from account opening. 

60,000 points

UP's Offer Valuation*:

Up to $900

Annual Fee

$199

APR

19.24% - 27.74% 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 card application.

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.
• 1x point per $1 on all other purchases
• Automatic World of Hyatt Discoverist status
• Gift World of Hyatt Discoverist status to up to 5 employees
• Up to $100 annual Hyatt credit — broken up into 2 $50 statement credits
• Access to the Hyatt Leverage program
• Earn 5 Elite Night Credits for every $10,000 you spend on the card in a calendar year
• 10% back on redeemed points after spending $50,000 in a calendar year (with a cap of 20,000 points back per year); this rebate is only valid on stays after spending $50,000 on the card, and any stays prior to meeting that threshold will not be retroactively credited
• Primary rental car insurance
• Trip cancellation and interruption insurance
• Purchase protection and extended warranty protection

 

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 after you spend $5,000 on purchases in your first 3 months from account opening.
• 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: 19.24% - 27.74% Variable
• Foreign Transaction Fees: None

Rewards Center

World of Hyatt

 

The World of Hyatt Business card also offers multiple noteworthy benefits:

Is the World of Hyatt Business Card Worth It?

I currently have several hotel credit cards that include an annual free night certificate. While I’ve considered the World of Hyatt Business card in the past, I had previously opted against it since it doesn’t offer a free night certificate as part of its benefits.

However, after taking a closer look, I have decided it is in my interest to get the card now. Here’s why.

1. Annual Hyatt Credit (Worth $100)

The World of Hyatt Business card also comes with an annual Hyatt credit that helps offset the card’s annual fee. Cardholders can earn a total of $100 in Hyatt credits each anniversary year — issued as 2 $50 statement credits — by spending $50 or more on Hyatt hotel stays.

I have no doubt that I will take full advantage of these credits, as I spend thousands of dollars per year at Hyatt hotels. This credit effectively cuts my $199 annual fee in half.

2. Earn Hyatt Elite Qualifying Nights Faster

Fortunately, the World of Hyatt Business card earns 5 Elite Night Credits for every $10,000 they spend on the card in a calendar year. This is an excellent way for business owners with high spending to earn World of Hyatt elite status.

In other words, spending $120,000 on the card would automatically earn top-tier World of Hyatt Globalist status, with numerous perks and benefits.

3. Does Not Add to Chase 5/24 Totals

Before applying for any Chase credit card, you should know about Chase’s unofficial 5/24 rule. The bank will limit approvals for any of its credit cards if you have already opened 5 or more credit card accounts from any issuer in the last 24 months.

Although the World of Hyatt Business card is subject to Chase’s 5/24 rule, there’s some nuance here. The card itself does not add to your 5/24 count, since it is a Chase business card. Presently, my Chase 5/24 status is 4/24, so I will still be at 4/24 after getting approved for the World of Hyatt Business card.

Since I plan to apply for several Chase personal credit cards in the near future, it is a good idea to prioritize applying for the World of Hyatt Business card before making other applications.

Final Thoughts

After several years, I have finally decided to apply for the World of Hyatt Business card. I will make sure to take advantage of the card’s numerous perks and benefits that will make my Hyatt stays more enjoyable.