Being informed about the credit card you keep in your wallet is essential when making wise financial decisions. This World of Hyatt Business Credit Card review will show you the perks and shortcomings of this card. While it has a relatively steep annual fee, this could be outweighed by the generous rewards you can redeem if you are a business owner who travels frequently.
MoneyGeek’s Take
World of Hyatt Business Credit Card Review
Updated: June 14, 2024
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World of Hyatt Business Credit Card
Rewards Rate
Earn Up to 9 points total per $1 spent at Hyatt - ...APR
21.49% – 28.49% VariableAnnual Fee
$199Recommended Credit
670-850 (Good to Excellent)- The World of Hyatt Business Credit Card is a powerhouse for Hyatt loyalists, offering rich rewards on spending, with exceptionally high returns on Hyatt hotel purchases. It caters to domestic and international spenders, with no foreign transaction fees and a host of travel protections, making it a reliable companion on your journeys. Additionally, this card offers opportunities for free nights and status accelerations within the World of Hyatt program. However, its value may be less compelling for infrequent travelers or those seeking broader hotel options or airport lounge access.
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World of Hyatt Business Credit Card Overview
To better understand how to rack up bonuses and rewards with the World of Hyatt Business Credit Card, here’s a breakdown of how the program works.
>>MORE: CHASE ULTIMATE REWARDS: PROGRAM GUIDE
Quick Take
- 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 through 12/31/24, then your top two 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
Important Card Details
The World of Hyatt Business Credit Card benefits are generous, but they come at a cost. The important considerations when evaluating this card are the annual fee, the APR and the balance transfer fees.
High annual fee
The $199 annual fee is more expensive than the $95 fee of a personal Hyatt card.
Balance transfer fee
If you want to transfer an outstanding balance of one card to the World of Hyatt Business Credit Card, a fee of $5 or 5% will be charged, depending on which option is bigger.
Regular APR
This card has a high APR of 21.49% – 28.49% APR depending on purchases and balance transfers. It currently doesn’t offer an intro APR promotion.
Additional Benefits
The World of Hyatt Business Credit Card is great for traveling since it has no foreign transaction fees, and you’ll receive travel insurance and purchase protection as well. It also allows you to share a World of Hyatt membership with other people.
How the World of Hyatt Business Credit Card Compares To Other Cards
The World of Hyatt Business Credit Card offers benefits for traveling, no foreign transaction fees and a generous rewards structure. To see how it compares to other business credit cards, it helps to put them side-by-side and take a quick look at their features.
How the World of Hyatt Business Credit Card Compares
World of Hyatt Business Credit Card
- Annual Fee: $199
- APR: 21.49% – 28.49% variable
- Recommended Credit: Good-Excellent
- Foreign Transaction Fee: None
- Best For: This card is best for small business owners who are loyal to Hyatt and travel often
Ink Business Cash® Credit Card
- Annual Fee: None
- APR: 18.49% – 24.49% variable
- Recommended Credit: Good-Excellent
- Foreign Transaction Fee: 3%
- Best For: This card is best for small business owners who frequently shop for office supplies
Frequently Asked Questions
What is the average credit score needed to get approved for the World of Hyatt Business Credit Card?
You need a good to excellent credit score (660 or above) to get approved for the World of Hyatt Business Card.
Does the World of Hyatt Business Credit Card report to all three credit bureaus?
Chase does not disclose whether or not they report your World of Hyatt Business Credit Card information to any of the credit bureaus.
Is the World of Hyatt Business Credit Card application process lengthy? Can you prequalify?
If you are a current Chase customer, you can sign in to your account to apply for the card faster. However, if you are not a Chase customer, you will need to complete the full application process.
What information is needed to apply for the World of Hyatt Business Credit Card?
Aside from basic personal information, you will need to certify that you have the authority to be issued a credit card containing the name of your company.
Does the World of Hyatt Business Credit Card have good customer service or satisfaction?
Chase offers a 24/7 customer service hotline as well as mobile and online services to ensure customers have access to help when needed.
Does the World of Hyatt Business Credit Card have a mobile app or the option to pay or manage your account online?
Yes, you can pay by managing your account online through the Chase website or mobile app.
Does the World of Hyatt Business Credit Card raise credit limits automatically or charge for limit increases?
Yes, Chase increases your credit limit automatically depending on your credit score and usage.
Does the World of Hyatt Business Credit Card offer the option to freeze your credit/account or have other security features?
Yes, you can freeze your account via phone, website or mobile app.
Does Chase offer other credit cards besides the World of Hyatt Business Credit Card?
Yes, Chase offers a wide range of credit cards besides World of Hyatt Business Credit Card. These include both personal and business cards.
About Doug Milnes, CFA
Doug Milnes is a CFA charter holder with over 10 years of experience in corporate finance and the Head of Credit Cards at MoneyGeek. Formerly, he performed valuations for Duff and Phelps and financial planning and analysis for various companies. His analysis has been cited by U.S. News and World Report, The Hill, the Los Angeles Times, The New York Times and many other outlets.
Milnes holds a master’s degree in data science from Northwestern University. He geeks out on helping people feel on top of their credit card use, from managing debt to optimizing rewards.
sources
- Chase Credit Cards. "World of Hyatt Business Credit Card." Accessed February 26, 2022.
*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
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Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity. Learn more about our editorial policies and expert editorial team.
Advertiser Disclosure: MoneyGeek has partnered with CardRatings.com and CreditCards.com for our coverage of credit card products. MoneyGeek, CardRatings and CreditCards.com may receive a commission from card issuers. To ensure thorough comparisons and reviews, MoneyGeek features products from both paid partners and unaffiliated card issuers that are not paid partners.