Compare the Features and Benefits of World of Hyatt Credit Card and
The Hilton Honors American Express Business Card

For World of Hyatt fans, the World of Hyatt Credit Card is easily worth its $99 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.

Plus, you’ll get benefits from several partners. Get up to $10 in statement credits each month toward GoPuff purchases through December 2023. Plus, get lower service fees when you use DoorDash by enrolling to get one complimentary year of DashPass through December 2024.

The Hilton Honors American Express Business Card comes with some valuable benefits, including Gold Elite status, which gets you free breakfast (or a daily food and beverage credit) on all stays at full-service Hilton hotels and resorts and is the only business credit card that earns Hilton Honors points.

With Hilton Honors points having an approximate value of 0.5 cents per point, you are earning roughly 6% back on Hilton stays (earning 12X)  and 2.5% back on your first $100,000 of eligible spend (earning 5X).

However, after $100,000 in a calendar year, all eligible spend outside of a Hilton property will earn 3X which we would value at about 1.5% cash value.

Also, you’ll get up to $60 in statement credits each quarter for purchases made directly with a property in the Hilton portfolio on your Hilton Honors American Express Business Card. If you use all 4 credits in full, you’d more than cover the Card’s annual fee.

Hilton Honors Business Credit Card

The Hilton portfolio also has some breathtaking hotels and resorts at which you can spend your Hilton Honors points.

While we don’t recommend the Hilton Honors Business card as your only business credit card, it certainly is worth more than its annual fee if you frequently stay at Hilton portfolio hotels and resorts.

Rates and fees for the The Hilton Honors American Express Business Card