World of Hyatt Business Credit Card Review
The World of Hyatt Business Credit Card offers luxurious benefits for small business owners who love to travel since it gives them travel protections, rewards and elite hotel perks. With a large sign-up bonus and rewards program, this card is worth considering.
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.
Card Details to Know Up Front
- Bonus, Fee or FeatureHas or Not
- Has Annual Fee
- Has Balance Transfer Offer
- Has APR Offer
- Cash Back Rewards
- Travel Rewards
World of Hyatt Business Credit Card at a Glance
Featuring a robust rewards structure that boosts your earning capacity, the World of Hyatt Business Credit Card users will enjoy earning higher bonus points with the top spend categories. Also, this card includes Discoverist status, providing you with additional perks at Hyatt hotels and their participating partners. Although these benefits come with a $199 annual fee, you can take advantage of up to $100 in credit for purchases made on Hyatt properties.
- World of Hyatt Business Credit Card
A great business credit card for World of Hyatt members
- $199Annual Fee
- 1–9 PointsRewards Rate
- 2xRewards Rate on Dining
- 2xRewards Rate on Gas
- NoneForeign Transaction Fee
Pros & Cons Explained
When deciding whether or not you should get a World of Hyatt Business Credit Card, it’s crucial to weigh the pros and cons.
- Large sign-up bonusYou’ll earn 60,000 bonus points when you spend $5,000 within the first three months of owning a World of Hyatt Business Credit Card. With this bonus, you can stay at a Category One Hyatt hotel for 15 nights or a Category Seven Hyatt hotel for two nights.
- Earn up to nine bonus points per dollarYou can earn at least one bonus point per $1 spent with this card. If you are a World of Hyatt member, you can receive up to nine points per dollar spent in Hyatt hotels.
- Enjoy Hyatt Discoverist statusEnjoy premium perks, such as elite check-in, member rates and in-room internet with the automatic Discoverist status that comes with this card.
- Expensive annual feeThe annual fee for this card is $199. However, you can earn up to $100 in statement credit from qualifying Hyatt purchases with this card.
- No free-night certificatesThis card does not include an anniversary free night and complimentary elite nights at Hyatt hotels. However, the Discovery status that comes with this card could make up for it.
The World of Hyatt Business Credit Card did not make our list of the best business credit cards in 2022. To explore other options, check out our picks for the best business credit cards.
Bonuses & Rewards Explained
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.
Sign up bonus
If you spend $5,000 in the first three months of account ownership, you’ll receive 60,000 points.
You can earn up to 9X points for Hyatt stays, 2X points for dining, airlines, transit, car rentals, gas stations, shipping, fitness clubs and gym memberships, social media and search engine advertising and internet, phone and cable services as well as one point for every other dollar spent.
10% redemption bonus
You’ll get 10% of your redeemed points for the remainder of the year, up to 200,000 points total, if you spend $50,000 in a calendar year.
Other Features Explained
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.
- Card FeatureDescription
- No foreign transaction feeCardholders can save on their travel expenses when using this card for international transactions since there are no foreign transaction fees.
- Travel protectionsProtections such as trip cancellation and interruption insurance, purchase protection and emergency services are provided with this card.
- Gift Discoverist membership to five employeesIt’s best to use this benefit to maximize the features of this card because some rewards are earned through the cumulative expenses associated with everyone using the card. For instance, the primary cardholder can earn five World of Hyatt Tier-Qualifying Night credits for every $10,000 in purchases across all cards each calendar year.
If you anticipate having substantial business expenses in the next few months, the World of Hyatt Business Credit Card could be worth signing up for. The opportunity to earn 60,000 points if you plan to have $5,000 in expenses within three months is worth considering.
Understanding the Fine Print
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.
- Card FeatureAmount or Rate
- APR18.99% – 25.99%
- Annual Fee$199
- Cash Back Rewards
- Rewards Rate1–9 Points
- Airline Benefits
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.
This card has a high APR of 18.99% – 25.99% APR depending on purchases and balance transfers. It currently doesn’t offer an intro APR promotion.
Some of the main considerations when comparing credit cards are the fees, rewards and benefits. If these terms seem unfamiliar, a credit card glossary may come in handy. Consider checking your latest billing statement, your card issuer’s website or an existing mobile app or account for banking. Through proper research, you can find the right credit card for you.
Who Should & Shouldn’t Consider World of Hyatt Business Credit Card?
Other Considerations for World of Hyatt Business Credit Card
Before submitting a World of Hyatt Business Credit Card application., it’s best to consider factors such as your spending behavior and if you plan on making this your first card, your only card or an additional card in your wallet.
Things to Consider if This Will Be Your First or Only Credit Card
This card’s special rewards feature is dependent on your top spending categories. Therefore, it’s best to analyze your spending habits first and check whether or not your top spending categories are covered by its rewards program.
The use of Hyatt accommodations and their partners is essential to access the maximum bonuses of this card. If you’re frequently staying in Hyatt accommodations, this card could give you great benefits. However, they come with a hefty price tag.
Things to Consider if This Will Be an Additional Card in Your Wallet
The high APR and annual fee are significant additions to your credit card expenses. However, since it is a business credit card, it’s more realistic to be able to take advantage of the card’s benefits and rewards due to having more expenses when running a business. The benefits of this card can offset the expensive fees since you will be getting an elite World of Hyatt membership and a generous sign-up bonus.
MoneyGeek gathered and analyzed data from the Consumer Finance Protection Bureau's credit card agreement database. We pay close attention to detail when standardizing data points and rankings. We also perform monthly data reviews and re-rankings to ensure that our data is up-to-date.
How 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.
Quick Comparison of World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
- Annual Fee: $199
- APR: 18.99% – 25.99%
- Credit Needed: 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: 16.24% – 22.24%
- Credit Needed: Good-Excellent
- Foreign Transaction Fee: 3%
- Best For: This card is best for small business owners who frequently shop for office supplies
Other Helpful Decision-Making Q&As
Getting a credit card is a major financial decision, and it involves careful consideration. Below are FAQs that may help you decide if you should get a World of Hyatt Business Credit Card or not.
Still not sure about this card? Consider these options.
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Learn more about credit cards in general
- Chase Credit Cards. "World of Hyatt Business Credit Card." Accessed February 26, 2022.
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