Compare the Features and Benefits of World of Hyatt Business Credit Card and
Delta SkyMiles® Reserve Business American Express Credit 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.

Business owners who want to separate their personal and business expenses and maximize thousands of dollars in spend have no shortage of business cards to choose from. For frequent Delta flyers, the Delta Reserve Business American Express Card is among the most rewarding options out there once you can overlook the steep $650 annual fee.

Racking up Delta SkyMiles for award flights can be done effortlessly with the Delta SkyMiles Reserve Business American Express Card. You’ll earn 3x bonus miles on eligible Delta purchases.

But the kicker is that you’ll start to earn a higher mileage accelerator once you spend $150,000 on the card annually — that’s when you’ll start to earn 1.5x miles on all eligible purchases. You’ll also earn 1.5X miles on eligible transit, U.S. shipping, and U.S. office supply store purchases. (If your purchase qualifies for a category that has a higher mileage accelerator, only the higher accelerator will apply.) Earn 1x miles per dollar spent on all other eligible non-bonus purchases.

Delta SkyMiles Reserve Business cardholders can save 15% when redeeming SkyMiles for all award flights operated by Delta, which can add up significantly the more you book Delta award flights.

And there are a number of Delta-related benefits that extend to you and up to eight companions on the same reservation such as your first checked bag free and Main Cabin 1 priority boarding.

While you won’t get any free guest access, you can bring up to two guests for a $50 charge per person, or redeem one of your four guest passes you’ll get as a Delta Business Reserve cardholder every year.

Effective 2/1/25, Reserve Card Members will receive 10 Visits per year to the Delta Sky Club; to earn an unlimited number of Visits each year starting on 2/1/25, the total eligible purchases on the Card must equal $75,000 or more between 1/1/24 and 12/31/24, and each calendar year thereafter.

Other ways to recoup the $650 annual fee include the annual companion certificate, which allows you to get a ‘buy one, get one’ ticket for just the cost of government imposed taxes and fees (less than $80). This award is valid for domestic, Caribbean, or Central American roundtrip flights in nearly any of Delta’s classes of service, including for domestic First or Business Class (only Delta One is excluded).

The card features a Global Entry/TSA PreCheck application statement credit and ample trip and purchase protections that will help elevate your business travels.

And you’ll also receive up to $610 in statement credits each year with up to $20 per month in statement credits on eligible Resy purchases using your enrolled Card, up to $10 back in statement credits each month on U.S. rideshare purchases with select providers after you pay with your Delta SkyMiles® Platinum American Express Card (Enrollment Required) and up to $250 back annually on eligible prepaid Delta Stays bookings on delta.com. (Terms apply)

Don’t forget the opportunity to earn MQDs!

Earn $1 MQD for each $10 on purchases with your Delta SkyMiles® Reserve Business American Express Card and receive $2,500 Medallion Qualification Dollars each Medallion Qualification Year.

The Delta Reserve Business American Express card is a solid choice for business owners who are able to reap all the excellent benefits, but note that it may take significant card spend for you to justify the $650 annual fee year after year.

Rates and Fees for the Delta SkyMiles® Reserve Business American Express Credit Card