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Compare the Features and Benefits of World of Hyatt Business Credit Card and
Marriott Bonvoy Bold 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
Grants Hotel Status
Extended Warranty
Purchase Protection
Trip Protections
No Foreign Transaction Fees
No Fees for Authorized Users
Travel and Emergency Assistance Services
Primary Car Rental CDW Waiver
Annual Statement Credits
Does Not Report Credit Line to Personal Credit Profile
Earns Transferable Points
Secondary Car Rental CDW Waiver
Free Access to Credit Score
Annual Fee
$199
Avg. Min. Credit Score
670-850 *
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 you spend $5,000 on purchases in your first 3 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
Grants Hotel Status
yes
Extended Warranty
yes
Purchase Protection
yes
Trip Protections
yes
No Foreign Transaction Fees
yes
No Fees for Authorized Users
yes
Travel and Emergency Assistance Services
yes
Primary Car Rental CDW Waiver
yes
Annual Statement Credits
yes
Does Not Report Credit Line to Personal Credit Profile
yes
Earns Transferable Points
no
Secondary Car Rental CDW Waiver
no
Free Access to Credit Score
no
Annual Fee
$0
Avg. Min. Credit Score
670-850 *
Ongoing APR
20.24%-27.24% (Variable)
Balance transfers fees
-
Best Multiplier
3x Hotels

Earn 3X at Marriott Bonvoy properties booked direct. Earn 2X on all other hotel bookings.

2x Groceries
2x Streaming Services

Select Streaming services

2x Cable / Internet / VOIP Phone
1x Everything Else
Avg. Point Value
(Learn More)
$0.006
Bonus Offer
Earn 60,000 Points + 1 Free Night after spending $2,000 on eligible purchases within the first 3 months from account opening. 1 Free Night valued up to 50,000 points. Certain hotels have resort fees.
Rating
YBCC Card Rate Stars Filled
YBCC Card Rate Stars Empty
(3.4) 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

There’s a Marriott credit card for everyone, and the Marriott Bonvoy Bold Credit Card is the most affordable one of the bunch. The main standouts of the card are that there’s no annual fee and no foreign transaction fees. Whether you’re a travel newbie or want to downgrade your Marriott Bonvoy Boundless Credit Card with a $95 annual fee, the Marriott Bonvoy Bold Credit Card is best for those wanting to avoid extra fees that come with other Marriott credit cards.

But when it comes to benefits, the Marriott Bonvoy Bold underperforms compared to its more expensive family members. It offers just 5 elite night credits (as compared to 15 with the Boundless, which qualifies you for entry-level Silver elite status in the Marriott Bonvoy program. At this level, you’ll be earning 10% bonus points on Marriott purchases and priority late checkout, which won’t move the needle for most travelers looking for real added-value benefits at hotels.

marriot-bonvoy-bold

On the flip side, the earning rate at Marriott presents quite a sizable return. Thanks to the complimentary Silver elite status, you’ll be earning 14x total points on purchases at hotels participating in Marriott Bonvoy in the following fashion: 10x points for holding a Marriott Bonvoy member account, 3x points with the Bonvoy Bold credit card, and 1x points for Silver elite members. Although still, with the Boundless card you’d earn 6X at Marriott and therefore 17X total points.

On everyday expenses, the rewards rate is less impressive as Marriott Bonvoy points aren’t as valuable as other loyalty currencies. We estimate that Marriott Bonvoy points are worth 0.6 cents each. In that sense, the Marriott Bonvoy Bold offers 2x points (1.2% return) on each dollar spent for select streaming, and internet, cable, and phone service purchases, and 1x (0.6% return) points on all other eligible purchases. You can certainly do much better with another travel rewards card or another Marriott Bonvoy credit card.

Although Marriott Bonvoy points have been devalued over the years, the good news is that they can be redeemed for Marriott’s enormous portfolio worldwide. As the largest hotel chain in the world, you’d be hard-pressed not to find a Marriott hotel no matter where you’re traveling. Another solid option of Marriott Bonvoy points is to transfer them at a 3:1 ratio to more than three dozen airline loyalty programs.

As a co-branded card with Chase, the Marriott Bonvoy Bold does excel in offering a number of travel and purchase protections, which can be quite valuable if you’re stuck in a travel emergency. Finally, card members can activate a DoorDash DashPass membership for one year, if enrolled by December 31, 2024. This can be a great way to save money on food delivery fees and find extra value from this no-annual-fee card.

In all, the Marriott Bonvoy Bold is not the most compelling option out there, but it provides two main purposes. First, if you need an introduction to the Marriott Bonvoy loyalty program but don’t want to pay an annual fee, this card can help you earn Marriott points on eligible purchases. Finally, this Chase card is a good downgrade option if you were thinking about canceling the Marriott Bonvoy Boundless Credit Card.

If you’re thinking about other options, be sure to compare the options in Marriott’s portfolio — there are 4 other cobranded cards to consider! If you’re searching for a general rewards card that will help you save on travel no matter the airline or hotel brand, the Capital One VentureOne Rewards Credit Card is a fantastic option. With no annual fee and no foreign transaction fees, the Capital One miles earned on the card are worth 1 cent each toward travel and more, or they can even be transferred to Capital One’s airline and hotel partners for more value.

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

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