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Compare the Features and Benefits of British Airways Visa Signature Card and
World of Hyatt Business Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
Trip Protections
Purchase Protection
Extended Warranty
No Foreign Transaction Fees
No Fees for Authorized Users
Primary Car Rental CDW Waiver
Annual Statement Credits
Grants Hotel Status
Does Not Report Credit Line to Personal Credit Profile
Travel and Emergency Assistance Services
Annual Fee
$95
Avg. Min. Credit Score
670-850
Ongoing APR
20.49%-27.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each transfer, whichever is greater.
Best Multiplier
3x Airfare

Earn 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus flights booked directly; 1X on other airlines

2x Hotels

Must be booked directly with the hotel

1x Everything Else
Avg. Point Value
(Learn More)
$0.012
Bonus Offer
Earn 75,000 Avios after you spend $5,000 on purchases within the first three months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.5) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

On top of a generous sign up bonus, the British Airways credit card by Chase earns 3x Avios on British Airways, Iberia, LEVEL, and Aer Lingus and 2x Avios on hotel accommodations booked directly with the hotel. Avios can be shared between any Avios program, which also includes Qatar Airways (home of the QSuite) and you can redeem British Airways Avios for award tickets on oneworld airlines like American Airlines, Alaska Airlines, Cathay Pacific, and more.

Award tickets on short-haul American Airlines are actually a major sweet spot of the British Airways Avios program with flights like New York to Miami in coach going for just 9,000 Avios and $5,60 in tax.

british-airways-visa-signature-card

More importantly, you’ll receive 10% off all British Airways flights that originate in the United States. (Must book through a special website provided with your new card.)

And then, after your first year, you can earn a Travel Together Ticket (a.k.a. Companion Ticket), good for bringing a companion for just the taxes and fees when you redeem a reward flight for yourself, when you spend $30,000 in a calendar year. Don’t have a companion to bring? You can use it for half off the points of an Avios award flight instead.

Finally, you’ll also receive up to a $600 statement credit on bookings for Reward Flights as described above in Unique Card benefits.

If you fly British Airways frequently, this airline credit card is truly compelling.

Keep in mind, from a pure points earning perspective, that the Chase Sapphire Reserve also earns 3x Chase Ultimate Rewards credit card points on these airlines and on all airlines, hotels and other travel and can even be transferred to Avios if needed – as well as a range of other travel partners, like World of Hyatt which offers excellent and outsized value.

So if you are getting the card for the points alone, you may want to rethink it. If you are getting it for the benefits, your head is in the right place.

Keep in mind that British Airways Avios expire after 36 months of inactivity, though that won’t be a problem if you are spending on this credit card!

If you don’t primarily fly BA, you might want to look at other airline credit cards or bank cards with transferable points.

Note: Per Chase’s 5/24 Rule, you will only be approved for a Chase card like the British Airways Visa card if you have applied for fewer than 5 personal credit cards within the last 24 months from any issuer. (Business cards do not count against the total, except for Capital One Spark Cash Select and Spark Miles plus Discover, but are subject to the policy).

Read more
Unique Card Benefits
yes
Trip Protections
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Grants Hotel Status
no
Does Not Report Credit Line to Personal Credit Profile
no
Travel and Emergency Assistance Services
no
Annual Fee
$199
Avg. Min. Credit Score
670-850
Ongoing APR
19.99%-28.49% (Variable)
Balance transfers fees
Either $5 or 5% of the amount of each balance transfer, whichever is greater.
Best Multiplier
4x Hotels

Only at Hyatt family hotels booked directly. 1X on other hotels.

2x Airfare

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Transit

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Car Rentals

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Cable / Internet / VOIP Phone

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Gas Stations

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Cellular Phone Service

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Dining Out / Food Delivery

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Advertising on Search Engines and Social Media

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Shipping

Earn a total of 2 points per $1 spent for the top two of eight spend categories you spend on your Hyatt business card each calendar quarter —with no cap.

2x Gym Memberships
1x Everything Else
Avg. Point Value
(Learn More)
$0.017
Bonus Offer
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Plus, 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases within the first 6 months of account opening.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(4.18) Our Review

Our ratings are determined by the authors and editors on our team. Each individual card feature is compared against all other cards we offer and the total score is an average of those 4 ratings.

Review

The World of Hyatt business credit card is literally packed with reasons to have it. To me, the main reason is that you can use your business spending to earn elite night credits. For someone that values Globalist status (which is often referred to as the best top tier status of any US hotel chain – with good reason!) and has business with high spend, the ability to earn 5 elite night credits per $10,000 in spend is great.

Keep in mind you’ll also earn 4X World of Hyatt points per dollar spent at Hyatt properties and then 2 points per $1 spent for the top two of the following eight spend categories you spend on each calendar quarter —with no cap: 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.

If you spend a lot on those categories, your $10,000 in spend earns you 20,000 World of Hyatt points (worth about $340 using our own valuations of points and miles) as well as 5 elite status qualifying nights.

One thing to note is that there are other Chase credit cards that earn better for some of the above categories. For instance the Chase Ink Business Preferred earns 3X Chase Ultimate Rewards (which transfer back to the World of Hyatt program 1:1) on all travel (beating 2X on the World of Hyatt Business card for airline and car rental spend) and 3X on internet, cable and phone services; social media and search engine advertising; and shipping. However, that caps out at $150,000 in combined total spend whereas the World of Hyatt business credit card has no cap. You could spend $500,000 on these (top two each quarter, remember) and earn a whopping million points whereas you’d earn significantly less on the Chase Ink Business Preferred due to the $150,000 cap. Basically, you can earn a ton of Hyatt bonus points!

social-media-world-of-hyatt-business-credit-card

Beyond that, this card offers automatic Hyatt status in the form of Discoverist status. While it’s the lowest elite tier in the World of Hyatt program, it normally would take 10 nights to earn and still offers some nice perks such as premium Internet, complimentary bottled water, a preferred room within your booked category, the ability to earn 1 American Airlines AAdvantage mile per $1 spent at Hyatt (in addition to your Hyatt points), and a 2pm checkout (based on availability). Not only that, but you can “gift” this same Discoverist Hyatt status to up to five employees as well.

And don’t forget, this card gives you access to the Hyatt Leverage program. Hyatt Leverage provides your company with a discount code for stays at a Hyatt property, just like big corporations get! I have personally saved significant money using my own Hyatt Leverage discount.

Another great benefit of this card is the primary car rental CDW / LDW coverage as long as the rental is for business purposes. I really love credit cards with primary CDW insurance because you know you won’t have to involve your personal insurance, potentially owing a deductible, if something happens. I once had a Jaguar I rented from Hertz get keyed in a parking lot and Chase took care of it 100%.

It’s also got some nice protections for items you purchase, with both Purchase Protection (theft or damage to a newly purchased item) and Extended Warranty.

All in all, the World of Hyatt Business credit card is an incredibly well rounded card for those that are loyal to Hyatt and, by extension, the World of Hyatt loyalty program.

Read more
Unique Card Benefits
yes
Trip Protections
yes
Purchase Protection
yes
Extended Warranty
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Grants Hotel Status
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Travel and Emergency Assistance Services
yes

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