World of Hyatt Business Credit Card review: Last chance to earn 75,000 points — plus get benefits like automatic elite status, Hyatt statement credits, and a redemption rebate
The new Hyatt Business card offers a generous sign-up bonus until April 11, and great perks for frequent Hyatt guests — including giftable elite status.
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Review: Is the World of Hyatt Business Credit Card the best credit card for you?
After months of rumors and speculation, Chase unveiled its first-ever co-branded World of Hyatt small-business credit card in late 2021. The World of Hyatt Business Credit Card launched with a substantial welcome bonus and interesting benefits that are most useful if you stay with Hyatt regularly.
With the World of Hyatt Business Credit Card, you can earn World of Hyatt Business Credit Card. It's your last chance to apply, because this offer ends April 11, 2022.
There's a World of Hyatt Business Credit Card annual fee, but in return, cardholders receive up to $100 in Hyatt statement credits each year, automatic Discoverist elite status (with the ability to "gift" status to up to five company employees), and a host of other travel and shopping benefits.
Big spenders, in particular, can do quite well with the World of Hyatt Business Credit Card, because it offers a 10% points rebate on award stays after you spend at least $50,000 in a year and tier-qualifying night credits for meeting spending thresholds. It also offers a unique "adaptive earning accelerator" that awards bonus points on the eligible categories you spend in the most.
However, if the big-spending perks don't fit your travel and spending habits or if you don't have paid stays to take advantage of the annual Hyatt credits, you'll like be better off with the personal version of the card — The World Of Hyatt Credit Card. Instead of a Hyatt credit it offers a free night in a Hyatt Category 1 to 4 hotel each cardmember anniversary, and the annual fee is only The World Of Hyatt Credit Card.
Alternately, if you're not looking for Hyatt-specific perks, a card that earns transferable Chase Ultimate Rewards points, like the Ink Business Preferred® Credit Card, Chase Sapphire Preferred® Card, or Chase Sapphire Reserve® could be a better bet. You can transfer Chase points to Hyatt at a 1:1 ratio and these cards may offer bonus categories that make more sense for your spending habits.
Comparison: Hyatt Business Credit Card vs other Chase cards
World of Hyatt Business Credit Card
The World Of Hyatt Credit Card
Ink Business Preferred® Credit Card
Annual fee
World of Hyatt Business Credit Card
The World Of Hyatt Credit Card
Ink Business Preferred® Credit Card
Rewards rate
4x points* at Hyatt hotels
2x points on your top three spend categories each quarter (from a list)***
2x points on fitness club and gym memberships
1 point per dollar on all other purchases
4x points* on Hyatt stays and experiences
2x points on dining
2x points on flights purchased directly from the airline
2x points on local transit and commuting
2x points on fitness club and gym memberships
1 point per dollar on all other eligible purchases
3x points on shipping purchases, advertising purchases on social media sites and search engines, internet, cable, and phone services, and travel*****
1x points on all other purchases
Welcome bonus
World of Hyatt Business Credit Card
The World Of Hyatt Credit Card
Ink Business Preferred® Credit Card
Hotel benefits
Automatic Hyatt Discoverist elite status
Gift Discoverist status to up to five company employees
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year
Up to $100 in Hyatt statement credits per year
10% redemption rebate after you spend $50,000 in a calendar year
Hyatt Leverage program membership
Automatic Hyatt Discoverist elite status
Five elite night credits each calendar year
Two elite night credits for every $5,000 in purchases
Annual free night award****
An additional free night award**** after you spend $15,000 on purchases in a calendar year
*Bonus points at Hyatt hotels are in addition to the points members would normally earn from a stay
***Top three spend categories until December 31, 2022, then top two spend categories thereafter (eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping)
**** The World Of Hyatt Credit Card offers an annual free night award each year after your account anniversary for participating Category 1 to 4 World of Hyatt properties
*****the Ink Business Preferred® Credit Card earns 3x points on the first $150,000 in combined purchases spent each account anniversary year in these categories (then 1x)
Hyatt Business Credit Card vs other small-business hotel credit cards
World of Hyatt Business Credit Card
Marriott Bonvoy Business™ American Express® Card
The Hilton Honors American Express Business Card
Annual fee
World of Hyatt Business Credit Card
Marriott Bonvoy Business™ American Express® CardMarriott Bonvoy Business™ American Express® Card - Rates & Fees
The Hilton Honors American Express Business CardThe Hilton Honors American Express Business Card - Rates and Fees
Rewards rate
4x points* at Hyatt hotels
2x points on your top three spend categories each quarter (from a list)***
2x points on fitness club and gym memberships
1 point per dollar on all other purchases
6x points* on eligible purchases at hotels participating in the Marriott Bonvoy™ program
4x points on eligible purchases at U.S. restaurants, U.S. gas stations, wireless telephone services purchased directly from U.S. service providers, and on U.S. shipping purchases
2x points on all other eligible purchases
12x points* on purchases made directly with hotels and resorts in the Hilton portfolio
6x points on eligible purchases at U.S. gas stations, U.S. shipping purchases, wireless telephone services purchases directly from U.S. service providers, U.S. restaurants, airfare purchased directly from airlines or Amex Travel, and on car rentals booked directly with select car rental companies
3x points on all other eligible purchases
Welcome bonus
World of Hyatt Business Credit Card
Marriott Bonvoy Business™ American Express® Card
The Hilton Honors American Express Business Card
Hotel benefits
Automatic Hyatt Discoverist elite status
Gift Discoverist status to up to five company employees
5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year
Up to $100 in Hyatt statement credits per year
10% redemption rebate after you spend $50,000 in a calendar year
Hyatt Leverage program membership
Automatic Marriott Bonvoy Silver elite status
Annual free night award****
A second free night award if you spend $60,000 or more in a calendar year****
15 elite night credits each calendar year
Automatic Hilton Honors Gold elite status
Free weekend night award when you spend $15,000 or more in a calendar year
A second free weekend night award if you spend a total of $60,000 or more in a calendar year
*Bonus points at Hyatt, Marriott, and Hilton hotels are in addition to the points members would normally earn from a stay
***Top three spend categories until December 31, 2022, then top two spend categories thereafter (eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping)
****The Marriott Bonvoy Business™ American Express® Card offers an annual free night award each year after your card renewal month for hotels participating in the Marriott Bonvoy program that cost up to 35,000 points
How to earn points from the World of Hyatt Business card
The World of Hyatt Business Credit Card offers numerous bonus categories that can help you boost your rewards earning, including a few you don't see often on small-business credit cards. Cardholders earn:
4x points at Hyatt hotels, participating SLH properties, and Lindblad Expeditions (in addition to the 5 points per dollar you'd normally earn for being a World of Hyatt member)
2x points on top three eligible spend categories each quarter (from a list, see below)
2x points on fitness club and gym memberships (including FIND Experiences and Headspace Subscriptions through December 2022)
1 point per dollar on all other purchases
One of the most interesting features of the World of Hyatt Business Credit Card is the ability to earn 2x points in the top three eligible categories you spend in each quarter — although, after December 31, 2022, this will change to your top two categories.
Eligible categories are dining, airline tickets purchased directly with the airline, car rental agencies, local transit and commuting, gas stations, internet, cable, and phone services, social media and search engine advertising, and shipping.
How to use Hyatt points
The best way to use Hyatt points is for stays at World of Hyatt brands, which include:
Hyatt
Andaz
Alila
Caption by Hyatt
Thompson Hotels
Hyatt Centric
Park Hyatt
Miraval
Grand Hyatt
Hyatt Regency
Hyatt Zilara
Hyatt Ziva
Hyatt Place
Hyatt House
The Unbound Collection by Hyatt
Destination by Hyatt Hotels
JdV by Hyatt
Hyatt Residence Club
UrCove by Hyatt
Small Luxury Hotels of the World
Hyatt just introduced peak and off-peak pricing in addition to standard pricing for award stays, which means you'll pay fewer points during the off-season and more points during popular times. Here's the current Hyatt award chart:
World of Hyatt category
Off-peak points per night
Standard points per night
Peak points per night
Category 1
3,500
5,000
6,500
Category 2
6,500
8,000
9,500
Category 3
9,000
12,000
15,000
Category 4
12,000
15,000
18,000
Category 5
17,000
20,000
23,000
Category 6
21,000
25,000
29,000
Category 7
25,000
30,000
35,000
Category 8
35,000
40,000
45,000
You can also redeem Hyatt points for room upgrades on paid rates at 3,000 points for a room with club lounge access, 6,000 points for a standard suite, or 9,000 points for a premium suite.
With the World of Hyatt Business Credit Card's welcome bonus, you could get up to 15 standard nights in a Category 1 hotel, or even up to 21 off-peak nights in the same category. Or, if you prefer to splurge, you could redeem your bonus for fewer nights at a luxury Category 6 or 7 property like a Park Hyatt or Andaz, or an all-inclusive resort.
Benefits and features
The World of Hyatt Business Credit Card comes with perks that are most useful if you (or your employees) stay with Hyatt often.
Automatic Hyatt Discoverist elite status (with gifting)
World of Hyatt Business Credit Card comes with automatic Discoverist elite status, which is the lowest tier of status in the World of Hyatt program and usually requires 10 tier-qualifying nights or earning 25,000 base points in a year. Discoverist status offers perks like 10% bonus points on paid stays, 2 p.m. late checkout when available, premium internet, and preferred rooms.
Cardholders have the ability to gift Discoverist status to up to five company employees — and the recipients do not have to be authorized users on your World of Hyatt Business Credit Card.
Elite qualifying nights for spending
For every $10,000 you spend on the World of Hyatt Business Credit Card in a calendar year, you'll earn five tier-qualifying night credits. This is useful if you're aiming for the next level of elite status, and even more so because Hyatt has reduced its elite qualification thresholds in 2021 due to the pandemic.
For example, to earn Hyatt's top-tier Globalist status, you'd normally need to stay 60 qualifying nights in a year, but that requirement has been reduced by half — to 30 nights — in 2021. By spending $60,000 on the World of Hyatt Business Credit Card before the end of the year, you could unlock Globalist status without ever setting foot in a Hyatt hotel.
Globalist status is extremely lucrative for frequent Hyatt guests because it offers perks like complimentary room upgrades (up to standard suites), free breakfast or club lounge access, 4 p.m. late checkout when available, free parking on award stays, and a 30% points bonus on paid stays.
Hyatt statement credits
When you spend $50 or more at any Hyatt property with your World of Hyatt Business Credit Card, you'll receive a $50 statement credit, up to twice per card anniversary year.
Earning up to $100 in Hyatt credits is a good way to offset more than half of the card's World of Hyatt Business Credit Card annual fee. Again, if you don't have paid Hyatt stays, you might be better off with the personal version of the card, which offers a free night certificate each anniversary instead of Hyatt credits.
10% redemption rebate
When you spend $50,000 or more on the World of Hyatt Business Credit Card in a calendar year, you'll receive 10% of your points back as bonus points on redemptions for the remainder of the calendar year.
Hyatt Leverage program membership
Hyatt Leverage is Hyatt's global business travel program that offers special rates to qualifying small and mid-sized businesses at participating Hyatt hotels worldwide. Only the primary World of Hyatt Business Credit Card is eligible for Hyatt Leverage membership.
Car rental insurance
The World of Hyatt Business Credit Card offers primary car rental insurance, which means when you pay for a rental car with your card and decline the rental company's collision insurance, you're covered for theft and collision damage on most vehicles and in most countries.
If your trip is canceled or cut short because of a covered situation like sickness or severe weather, you may be eligible for up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable travel expenses.
When you purchase an eligible item with your World of Hyatt Business Credit Card, you can qualify for an extension of the US manufacturer's warranty by an additional year on eligible warranties of three years or less.
Purchase protection
Eligible new purchases you make with the World of Hyatt Business Credit Card can be covered against damage and theft for 120 days, up to $10,000 per claim and $50,000 per account.
If you're traveling away from home and run into issues, you can get help with medical and legal referrals or other emergency assistance. The service itself is complimentary, but any third-party costs are your responsibility.
Roadside dispatch
World of Hyatt Business Credit Card cardholders contact the roadside dispatch hotline for help with arranging services like towing and flat tire repair for a set fee.
Fees and costs
The World of Hyatt Business Credit Card comes with a World of Hyatt Business Credit Card annual fee. However, if you can take advantage of the up to $100 in Hyatt credits the card offers each year, your annual cost is effectively reduced to $99.
This card is a good choice if you're traveling overseas because it doesn't add foreign transaction fees. Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.
World of Hyatt Business credit card — Frequently Asked Questions (FAQ)
Who is eligible for the World of Hyatt Business card?
Because the World of Hyatt Business Credit Card is a small-business credit card, you must have a for-profit venture to qualify. That said, you don't need an LLC or a full-time business to be eligible; side gigs like freelancing and driving for Uber count as well.
You're won't qualify if you already have this particular card or have earned the welcome bonus in the past 24 months, but you're still eligible if you already have the personal The World Of Hyatt Credit Card. This card is also subject to the Chase 5/24 rule, which means you won't be approved if you've opened five or more cards (from any bank) in the past 24 months.
What credit score do you need for the World of Hyatt Business credit card?
You're most likely to be approved for the World of Hyatt Business Credit Card if your credit score is in the good to excellent range, which means a FICO score no less than 670, or a VantageScore of at least 700.
Does the World of Hyatt Business card come with an anniversary free night?
No, the World of Hyatt Business Credit Card doesn't offer a free anniversary night (like the personal The World Of Hyatt Credit Card does). Instead, cardholders receive up to $100 in Hyatt statement credits per year.
That's doesn't have nearly as much potential value as the Category 1-4 anniversary night the personal The World Of Hyatt Credit Card offers, but the card does come with other perks that could be a better fit for some travelers.
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