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Compare the Features and Benefits of Citi Rewards+® and
World of Hyatt Business Credit Card

Detailed Comparison Overview

Key Facts
Annual Fee
Avg. Min. Credit Score
APR on purchases
APR on balance transfers
Ongoing APR
Balance transfers fees
Best Multiplier
Avg. Point Value
(Learn More)
Bonus Offer
Rating
Review
Key features
Unique Card Benefits
No Fees for Authorized Users
0% Intro APR on Purchases
0% Intro APR on Balance Transfers
Free Access to Credit Score
Primary Car Rental CDW Waiver
Annual Statement Credits
Grants Hotel Status
Extended Warranty
Purchase Protection
Trip Protections
Does Not Report Credit Line to Personal Credit Profile
No Foreign Transaction Fees
Travel and Emergency Assistance Services
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
APR on purchases
0% Intro APR (on purchases for 15 months, 18.74%-28.74% thereafter)
APR on balance transfers
0% Intro APR (on balance transfers for 15 months, 18.74%-28.74% thereafter)
Ongoing APR
18.74%-28.74% (Variable)
Balance transfers fees
Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).
Best Multiplier
2x Gas Stations
2x Groceries
1x Everything Else
Avg. Point Value
(Learn More)
$0.01 - $0.016
Bonus Offer

Earn 20,000 bonus ThankYou® points after you spend $1,500 in purchases with your card within 3 months of account opening.

Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.43) 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 Citi Rewards+ card comes with no annual fee but offers a unique value proposition among the sea of rewards credit cards on the market. In fact, it’s the only credit card to automatically round up to the nearest 10 points on all purchases made with the card. This can be vastly beneficial for small purchases you make on the card, as you’ll get to supercharge your ThankYou points® earning ability with the Citi Rewards+.

The card’s only bonus categories are gas stations and grocery stores, which will be useful for most households. You’ll earn 2x points on the first $6,000 spent every year in these categories combined, which breaks down to roughly $500 in monthly spend. If you exceed this spending cap, you’ll only earn 1x points per $1 spent.

gas-stations-citi-rewards-plus

Redeeming your ThankYou points is easy through your online Citi account, where you’ll get the best redemption value from travel or gift cards at 1 cent per point. While other rewards like “Shop with Points” or redeeming for a statement credit may be enticing, these redemption options present a poor value at just 0.8 cents and 0.5 cents, respectively. (Note: When we value the “minimum” redemption value of this card in our calculator at 1 cent per point, we are assuming you will take the maximum redemption option of gift cards.)

No matter how you redeem your points, you’ll get to earn 10% of all the points you redeem every year — up to the first 100,000 points annually. That’s a nice little boost to your ThankYou points balance.

Not only is the Citi Rewards+ a good choice for everyday purchases, but it also makes for a great supplementary card to any other Citi rewards cards you may have in your wallet since you can pool your points together.

If you already have the Citi Premier, a popular travel rewards card, you’ll earn 3x points on restaurants, supermarkets and gas stations, air travel and hotels, and 1x point on all other purchases. That’s where the Citi Rewards+ comes in: you can use the card for small purchases or non-bonus categories to take advantage of that favorable 10% automatic round-up feature.

Plus, if you also have a Citi Premier, you can cash out all of your Citi ThankYou points for 1 cent each or transfer them to ThankYou airline and hotel transfer partners.

(Please note: Without also holding a Citi Premier or Citi Prestige card, you will not be able to transfer these points to Citi’s ThankYou® airline and hotel transfer partners.)

Finally, you’ll have peace-of-mind with important coverages like purchase protection and extended warranty that can come in handy when your eligible card purchases are damaged or stolen.

Read more
Unique Card Benefits
yes
No Fees for Authorized Users
yes
0% Intro APR on Purchases
yes
0% Intro APR on Balance Transfers
yes
Free Access to Credit Score
yes
Primary Car Rental CDW Waiver
no
Annual Statement Credits
no
Grants Hotel Status
no
Extended Warranty
no
Purchase Protection
no
Trip Protections
no
Does Not Report Credit Line to Personal Credit Profile
no
No Foreign Transaction Fees
no
Travel and Emergency Assistance Services
no
Annual Fee
$199
Avg. Min. Credit Score
670-850 *
APR on purchases
-
APR on balance transfers
-
Ongoing APR
21.49%-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

Earn 60,000 Bonus Points after spending $5,000 within the first three months from account opening, plus 15,000 Bonus Points after spending $12,000 in the first six months from 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
No Fees for Authorized Users
yes
0% Intro APR on Purchases
no
0% Intro APR on Balance Transfers
no
Free Access to Credit Score
no
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
Does Not Report Credit Line to Personal Credit Profile
yes
No Foreign Transaction Fees
yes
Travel and Emergency Assistance Services
yes

Learn more about these cards today

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