Compare the Features and Benefits of World of Hyatt Credit Card and
Graphite™ Business Cash Unlimited Card

For World of Hyatt fans, the World of Hyatt Credit Card is easily worth its $95 annual fee. Just the annual free night earned on each cardmember anniversary can provide that much value. Plus, cardholders will get automatic Discoverist World of Hyatt elite status with the ability to earn even higher elite status levels by spending on the card.

Not surprisingly, the Hyatt Credit Card offers bonus points on Hyatt stays. Cardholders earn 4X bonus points on Hyatt stays. Add in the 5X base points you earn as a World of Hyatt member and 10% elite status bonus points from Hyatt Discoverist status, and cardholders earn at least 9.5x World of Hyatt points per dollar spent at Hyatt properties.

Bonus points aren’t just limited to your Hyatt purchases. World of Hyatt Credit Card holders earn 2 Hyatt bonus points per dollar spent in the following categories: local transit and commuting; dining out at restaurants, cafes, and coffee shops; flights purchased directly from the airline; and fitness club and gym memberships. All other eligible purchases earn 1x Hyatt points.

Although Discoverist elite status is the bottom tier in the World of Hyatt program, it still offers valuable benefits like waived resort fees on free night awards, premium internet, preferred room upgrade, 2 pm late checkout, and bonus points when flying American Airlines.

But you don’t have to be content with Discoverist tier status. You can use the World of Hyatt Credit Card to earn even higher elite status in the World of Hyatt program. Each calendar year, World of Hyatt Credit Card cardholders will start with five qualifying night credits. Then you’ll earn two qualifying night credits for every $5,000 in purchases every calendar year.

Another reason to spend on the World of Hyatt Credit Card is to earn free night awards. Like many co-branded hotel cards, cardholders get one free night certificate every cardmember anniversary. However, World of Hyatt Credit Card account holders can also earn an extra free night certificate by spending $15,000 in a calendar year.

That means cardholders will get a total of two free nights and 11 qualifying night credits each year they spend $15,000 on the World of Hyatt Credit Card. That puts you more than one-third of the way to World of Hyatt Explorist status.

These free nights can are limited to Category 1-4 Hyatt properties. While that’s somewhat limiting, you still have plenty of options for redeeming your Hyatt free nights. For example, you can redeem your free night certificates at the Grand Hyatt Tampa Bay — a waterside Category 3 hotel that averages $266 per night.

World of Hyatt Credit Card holders are protected when traveling with extensive travel protections like trip delay reimbursement, lost luggage reimbursement, baggage delay insurance, and travel accident insurance. Plus, the World of Hyatt Credit Card doesn’t charge foreign transaction fees.

It’s easy to look at this card and wonder how it differs from the American Express Blue Business Cash™ card, with no annual fee, and wonder why you’d pay a $295 annual fee on this card.

The primary two reasons are:

1) This card is a No Preset Spending Limit card. If you put heavy spend on a business card, you would max out the credit limit on the Blue Business Cash™ very quickly.

2) Importantly, that card only earns 2% on the first $50,000 spent annually on eligible purchases and just 1% thereafter. Terms apply.

This card will earn you the full 2% on unlimited spend. You’ll earn back the $295 annual fee (in Rewards Dollars) after the first $14,750 in eligible spend. If you are spending $500,000 on the card annually, that is a rounding error on the way to 2% cash back on everything else.

Previously, you had few options for such high spend, with the Business Platinum Card® as the obvious choice.

However, the Business Platinum  earns just 1% in Membership Rewards points on all spend outside select categories. Specifically, it earns 2X Membership Rewards® points per dollar on up to $2 million in eligible purchases in the U.S., per calendar year, in the following select business categories combined:

• Electronic goods retailers
• Software & cloud system providers
• Construction materials and hardware supplies.
• Shipping providers.
• Purchases of $5,000 or more

The Business Platinum card also earns 5X per dollar on airfare and prepaid hotel purchases with American Express Travel. Terms apply.

So the cash back from an unlimited 2% on this Graphite Business Cash Unlimited may be far more worthwhile to you, especially if you don’t play the “points game.”

And don’t forget you’ll also get an unlimited 5% Cash Back on American Express Travel® on flights and prepaid hotel bookings through Amex Travel®. That can really add up for business travel collectively booked on the Amex Travel platform.

Card Members can get metal Employee Graphite™ Business Cash Unlimited Cards for $95 per year for the first 5 Cards, and $95 for each thereafter, with the ability to earn Reward Dollars on purchases and receive alerts to help Card Members know who’s spending and where.

This card competes squarely against the Capital One Spark Cash Plus and the Venture X Business which earns 2X Capital One Miles.

Rates & Fees for the Graphite™ Business Cash Unlimited Card

Rates and Fees for the The American Express Blue Business Cash™ Card

Rates and fees for The Business Platinum Card® from American Express