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We at ToP often talk about the World of Hyatt program and how valuable it can be for award travelers. Recently, Chase launched the Chase World of Hyatt Business credit card to complement the World of Hyatt personal credit card. How does the Hyatt Business card compare to the older personal card? In our view at ToP, the Hyatt Business rewards high spenders but offers little in the way of benefits or perks.
As with the World of Hyatt personal card, the World of Hyatt Business card is also subject to Chase's 5/24 rule. This means Chase will not approve you for this card if you have opened 5 or more credit cards during the last 24 months. Chase also will not approve you if you have opened a credit card during the last 30 days.
The World of Hyatt Business card earns:
- 4 points per $1 spent at Hyatt (this is in addition to the 5 base points earned as a World of Hyatt member)
- 2 points per $1 spend on fitness and gym memberships
Additionally, the card earns 2x in your top two categories of spend each quarter (top three categories until December 31, 2022) in the following categories:
- 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
The Hyatt Business card also earns 1 point per $1 on all other purchases.
The World of Hyatt Business card‘s benefits revolve around Hyatt stays. Cardholders earn up to $100 in Hyatt statement credits per card anniversary year. The credits come in two $50 increments per anniversary year. Also, cardholders receive automatic World of Hyatt Discoverist status for as long as they hold the Hyatt Business card. In addition, you can gift Discoverist status to up to 5 employees. Interestingly, authorized users do not automatically receive Discoverist status. You must select the authorized user(s) to whom you will gift Discoverist status. Authorized users can be added for no fee.
Cardholders can earn 5 elite qualifying night credits for every $10,000 spent in a calendar year on the Hyatt Business card. This can help you reach elite status faster. Elite qualifying night credits earned through this benefit also count towards milestone rewards. Five elite night credits for every $10,000 is a better deal than receiving 2 elite nights for every $5,000 in spend under the Chase World of Hyatt personal card (review).
Lastly, cardholders who spend at least $50,000 in a calendar year receive 10% of their redeemed Hyatt points back for the rest of the year.
The World of Hyatt Business card makes sense for high-spending Hyatt loyalists. The card's earn rate is pretty good for a co-branded hotel credit card. Earning 9x on Hyatt purchases is excellent, and better than what any other Chase card offers. In addition, earning 2x in your top two categories of spend each quarter is pretty creative. This earning structure provides good flexibility and doesn't require cardholders to keep track of rotating quarterly categories like with the Chase Freedom Flex.
The Hyatt Business card is less intriguing when it comes to card benefits. The $100 annual credit is easy to use and lowers the annual fee to $99. Beyond that, the benefits' appeal is pretty limited. The ability to earn 5 elite night credits for every $10,000 of spend is a good alternative for reaching Globalist status. Here, the Hyatt Business card outdoes the Chase World of Hyatt personal card, which offers 2 elite night credits for every $5,000 spend. Still, this only benefits high spenders. And speaking of high spenders, Hyatt Business cardholders can receive a 10% point redemption bonus after spending at least $50,000 on the card during the calendar year. This benefit is capped at 200,000 points.
Meanwhile, gifting Discoverist status to up to 5 employees is an innovative perk. But this benefit doesn't really help the primary cardholder directly. Not to mention that Discoverist status isn't all that helpful, as it sits below Globalist and Explorist.
For a high-spending traveler who stays at Hyatt properties frequently, this card could be a good fit. The card handsomely rewards its cardholders for spending on the card. That said, the benefits are quite underwhelming. It would be nice to see some type of certificate offered, whether a category 1-4 certificate or an upgrade certificate. After all, the Chase World of Hyatt personal card includes a category 1-4 certificate while still having a low annual fee of $95.
The World of Hyatt Business card benefits high spenders while offering very limited benefits and perks. With the current sign-up bonus, this card may make sense for the Hyatt loyalists. Beyond the first year, the Hyatt Business card mostly makes sense for those with a lot of cash stays at Hyatt properties or those who can put a lot of spend on the card. For those who don't expect to put much spend on the card, it is hard to justify keeping the Hyatt Business card around. It would be good to see Chase and Hyatt improve the card's benefits, such as with a free night certificate or at least some upgrade certificates.