Compare the Features and Benefits of World of Hyatt Business Credit Card and
Bilt Obsidian Card

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!

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.

The Bilt Obsidian Card sits in the middle of the three Bilt credit cards with its $95 annual fee.

You’ll earn valuable Bilt Rewards points with each purchase. One unique feature of this card is the ability to choose a 3X bonus category. You can choose (at the start of each year) whether you prefer 3X on groceries (up to $25,000 a year) or 3X on dining. You’ll then also get 2X on travel and 1X + 4% Bilt Cash on Everyday Spend.

It has no foreign transaction fees and the $95 annual fee can be offset by the $100 Bilt Travel Hotel credit. It’s available once per half year as $50 statement credits for qualifying Bilt Travel Portal hotel bookings.

Bilt Obsidian Card

Your Best Credit Cards values Bilt Rewards points at 1.8 cents each, although the personal value you get from each point may be higher or lower. With 1X points earned on all everyday spend, you are earning an approximate value of 1.8% worth of Bilt Rewards plus another 4% in Bilt Cash on top.

Many know Bilt for the ability to pay your rent and mortgage with the card. You’ll be able to earn points for paying any personal rent or mortgage with this card. Simply redeem the Bilt Cash you earn from all of your non-rent spend to earn 1X points on your rent or mortgage payment, which has no transaction fees. Applying $30 worth of Bilt Cash for every $1,000 in rent or mortgage payments paid will earn you points on that portion of the rent or mortgage payment, up to the full amount. You can redeem Bilt Cash for all or part of your payment.

We love Bilt Rewards for their strong list of transfer partners which include World of Hyatt, United Airlines, Alaska Airlines, and JAL Mileage Bank, among many others as mentioned above. You can also get 1.25 cents per point in value simply by redeeming Bilt points in their travel portal and they even offer “direct bookings” that offer loyalty benefits despite being a third party booking. Just look for “Member Rate” or “Home Away From Home” labels when searching hotels or “Direct Book” when searching flights.

If you are looking for a Bilt card that offers a huge 2X (+ 4% Bilt Cash) on Everyday Spend with premium benefits, you might consider the Bilt Palladium Card. If you want to explore a Bilt card with no annual fee, that’s the Bilt Blue Card.