MoneyGeek's Take

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.

Last Updated: 4/25/2022
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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 Feature
    Has or Not
  • Has Annual Fee
  • Has Balance Transfer Offer
  • Has APR Offer
  • Cash Back Rewards
  • Travel Rewards
Click to see this card’s rates, fees and how they compare to other cards in our dataset.

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.

Pros

  • Benefits
    Description
  • Large sign-up bonus
    You’ll earn 75,000 bonus points when you spend $7,500 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 dollar
    You 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 status
    Enjoy premium perks, such as elite check-in, member rates and in-room internet with the automatic Discoverist status that comes with this card.

Cons

  • Drawbacks
    Description
  • Expensive annual fee
    The 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 certificates
    This 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.
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LOOKING FOR THE BEST CREDIT CARDS OF 2022?

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.

1

Sign up bonus

If you spend $7,500 in the first three months of account ownership, you’ll receive 75,000 points.

2

Earn 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.

3

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 Feature
    Description
  • No foreign transaction fee
    Cardholders can save on their travel expenses when using this card for international transactions since there are no foreign transaction fees.
  • Travel protections
    Protections such as trip cancellation and interruption insurance, purchase protection and emergency services are provided with this card.
  • Gift Discoverist membership to five employees
    It’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.
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MONEYGEEK QUICK TIP

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 75,000 points if you plan to have $7,500 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 Feature
    Amount or Rate
  • APR
    15.99%–22.99%
  • Annual Fee
    $199
  • Cash Back Rewards
  • Rewards Rate
    1–9 Points
  • Airline Benefits
  • This is an icon

    High annual fee

    The $199 annual fee is more expensive than the $95 fee of a personal Hyatt card.

  • This is an icon

    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 is an icon

    Regular APR

    This card has a high APR of 16.24% - 23.24% APR depending on purchases and balance transfers. It currently doesn’t offer an intro APR promotion.

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WHERE TO FIND THIS INFORMATION?

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?

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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.

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WHY TRUST OUR REVIEWS

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

creditCard

World of Hyatt Business Credit Card

  • Annual Fee: $199
  • APR: 15.99%–22.99%
  • 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
creditCard1

Chase Ink Business Cash

  • Annual Fee: None
  • APR: 13.24%–19.24%
  • 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.

If you think this card is not quite ticking all the boxes, there’s a wide range of options that you can explore. Perhaps, the right credit card for you is in another category that fits perfectly with your needs. Consider looking at gas cards or travel cards.

Learn more about credit cards in general

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*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.
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.
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