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World of Hyatt Business Credit Card

For small business owners loyal to Hyatt, this credit card will earn you valuable elite night credits towards top tier Globalist status and give you a wide range of benefits tailored to your needs.

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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

World of Hyatt Business Credit Card

For small business owners loyal to Hyatt, this credit card will earn you valuable elite night credits towards top tier Globalist status and give you a wide range of benefits tailored to your needs.

BONUS OFFER

Earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening

💵 Your Projected Rewards Value
Year 1 tbd
Year 2 tbd

Key facts

Get up to $100 in Hyatt statement credits, access to Hyatt Leverage discounts, automatic Discoverist elite status, 5 elite night credits for every $10,000 in eligible spend, primary car rental CDW coverage, and a 10% rebate on award nights, once you spend $50,000 in a calendar year, through the end of the year (up to 20,000 points rebated annually).

Annual Fee:

$199

AVG Point Value:

$0.017 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

Ongoing APR:

21.49%-28.49% Variable

Balance transfer fees

Either $5 or 5% of the amount of each balance transfer, whichever is greater.

Foreign Transaction Fee:

0%

Reward multipliers

  • 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.
  • The qualifying bonus spend categories include 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.
  • Stays at World of Hyatt hotels earn 4X points per dollar.
  • Fitness club and gym memberships earn 2X points per dollar.
  • Everything else earns 1 point per dollar spent on eligible purchases.

Earns bonus points for spend in the following bonus categories:

Only at Hyatt family hotels booked directly. 1X on other hotels.

4x
Hotels

Estimated Rewards Value: 6.8%

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
Airfare

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

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

Estimated Rewards Value: 3.4%

2x
Gym Memberships

Estimated Rewards Value: 3.4%

1x
Everything Else

Estimated Rewards Value: 1.7%

Key features

1

Unique Card Benefits

Automatic Discoverist Status

This entitles you to on-property benefits at Hyatt hotels like higher speed internet, daily bottles of water, a preferred room, and a non-guaranteed 2pm checkout.

Discoverist Status Gifts

One unusual benefit that many will appreciate is the ability to give World of Hyatt Discoverist status to 5 people.

Assuming that the people you gift to don’t have any status,  they will definitely appreciate the benefits.

Spending Your Way to Elite Status

For each $10,000 you spend, you get five tier qualifying night credits (elite nights). This is 25% better in terms of earned elite nights than the personal card (and, for many, high spend on a business card is easier to achieve because businesses have lots of expenses!)

This alone may get you to get and keep the World of Hyatt Business card.

If you already have the personal World of Hyatt credit card, which gives you 5 elite nights annually, you need 55 more for Globalist. With $110,000 in annual spend on your business Hyatt card, you wouldn’t even need to stay a night to earn Globalist. Not a small figure, but not large for many, many businesses. And all of these nights count towards your Milestone rewards (earned after every 10 elite status nights), just like you stayed at a Hyatt hotel.

10% Rebate on Award Nights

Once you spend $50,000 in a calendar year, you will get 10% of all redemptions refunded (up to 20,000 points rebated annually) through the end of the year. That could be a huge boon if the timing works out. Just note that if your stay is in the next calendar year, it won’t apply. You have to earn it and redeem it AND complete the stay in the same calendar year and in that order.

Still, for high spenders, it’s easy to see meeting this spend in the 1st quarter of the year and then getting 20,000 points rebated on 200,000 points redeemed at Hyatt hotels. You could easily justify the annual fee off this one benefit.

Hyatt Leverage Membership

Hyatt Leverage is a business program that gives you your own corporate rate. When you have the World of Hyatt Business Credit Card, all requirements to stay in the Leverage program are waived.

2

Primary Car Rental CDW Waiver

When you decline the rental company’s collision insurance and charge the entire rental cost to your World of Hyatt Business Credit Card, you’ll have primary coverage when renting for business purposes. This coverage provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad. Terms and exclusions apply. We always recommend calling the number on the back of your card before renting an expensive vehicle or traveling abroad to confirm coverage. Other exclusions like pickup trucks apply.

3

Annual Statement Credits

Earn a $50 statement credit per qualifying Hyatt hotels purchase (folio charges) up to 2 times each anniversary year, when charged to your World of Hyatt Business Credit Card. Each purchase must be over $50 in one transaction. at a Hyatt property. Using these Hyatt statement credits can offset half of the card’s annual fee.

4

Grants Hotel Status

You’ll get World of Hyatt elite status – Discoverist – for as long as your card account is open. You can also gift Discoverist status to up to five employees.

But the real value in the World of Hyatt program is top-tier Globalist elite status, which requires 60 tier qualifying night credits (elite night credits). This card can help you spend your way there, with 5 tier qualifying night credits credited to your account towards Hyatt elite status after evert $10,000 in purchases on your card.

5

Extended Warranty

The extended warranty protection benefit on the Hyatt business card extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

6

Purchase Protection

Your new purchases are covered for 120 days against damage or theft. Coverage is up to $10,000 per claim and $50,000 per account.

7

Trip Protections

Trip Cancellation/Interruption Insurance

If your trip is canceled or cut short by sickness, severe weather and other covered situations, this Hyatt business card benefit covers reimbursement for up to $1500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares.

8

Does Not Report Credit Line to Personal Credit Profile

As a business credit card, you will not see the card appear on your personal credit file (not the account itself and not the balance) as long as your account it in good standing.

Please note that Chase will still pull your personal credit in evaluating your application and, as with all small business credit cards, you are jointly liable with your business for charged on this credit card.

9

No Foreign Transaction Fees

You won’t pay any foreign transaction fees when traveling abroad or making payments in foreign currency.

10

No Fees for Authorized Users

Add employee cards at no additional charge.

11

Travel and Emergency Assistance Services

With the Chase World of Hyatt Business credit card, you can call for legal and medical referrals or other travel and emergency assistance. (Please note that you will be responsible for the cost of any goods or services provided.)

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Pros & cons

  • Earn elite night credits from eligible spend
  • Grants you automatic World of Hyatt Discoverist status
  • Has a wide range of travel and shopping benefits
  • Somewhat high annual fee
  • No bonus categories earn more than 2X Hyatt points
  • The Discoverist status is the lowest of the Hyatt elite tiers

World of Hyatt Business Credit Card

Learn How to Apply

Our 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.

Frequently asked questions

1

Does the World of Hyatt Business Credit Card have an annual fee?

Yes, the World of Hyatt Business card has a $199 annual fee. You do get two annual $50 credits when you pay for a stay at a Hyatt of $50 or more each time.

2

Does the World of Hyatt Business Credit Card get you into airport lounges?

No, airport lounge access is not a benefit of the World of Hyatt Business card.

3

Is it hard to get the World of Hyatt Business Credit Card?

If you are a small business owner or even have a side hustle and have a FICO of around 700 or better, you have pretty good odds of approval, provided that you are not over 5/24 with Chase.

4

Is it worth getting the World of Hyatt Business Credit Card?

If you read my review above, I think you’ll agree that for those that stay often at Hyatt hotels, this credit card is an absolute must have.

5

How do I earn points with the World of Hyatt Business Credit Card?

You’ll 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 – and the categories include 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. Stays at World of Hyatt hotels earn 4X points per dollar. Fitness club and gym memberships earn 2X points per dollar. Everything else earns 1 point per dollar spent on eligible purchases.

6

Is there a better credit card than the World of Hyatt Business Credit Card?

That’s tough to say! You could compare the World of Hyatt Business Credit Card with the personal World of Hyatt Credit Card or use Your Best Credit Card’s Famous Credit Card Explorer to see if there is a card that has features, benefits, or spending bonus categories that are better suited for you.

7

Does the Hyatt Business Card charge foreign transaction fees?

The World of Hyatt Business credit card does not carry any foreign transaction fees when you travel abroad or pay in a foreign currency.

8

Does the World of Hyatt Business Credit Card have car rental coverage?

The World of Hyatt business credit card comes with primary car rental collision damage and loss waiver coverage as long as the rental is for business purposes. Terms apply.

9

Does the World of Hyatt Business Credit Card come with any Elite Status?

Yes! The World of Hyatt Business card comes with World of Hyatt Discoverist status and you can also gift Discoverist status to up to five employees.

10

Does the Hyatt Business Card offer extended warranty?

Yes, it does! The extended warranty protection benefit on the World of Hyatt business card extends the time period of the U.S. manufacturer’s warranty by an additional year, on eligible warranties of three years or less.

11

Does the World of Hyatt Business Credit Card offer purchase protection?

Yes, it does. New purchases are covered for 120 days against damage or theft. Coverage is up to $10,000 per claim and $50,000 per account.

12

Does the World of Hyatt Business Credit Card offer trip protections?

Yes, it offers Trip Cancellation/Interruption Insurance, but not Trip Delay coverage

13

What credit score do I need to get a Hyatt Business Card?

Around a 700 FICO score is what we would expect to give you a good chance of being approved for the Hyatt business card.

14

What can I do with the points earned for spending on the Hyatt Business Credit Card?

Don’t get us started! There are so many amazing ways to spend World of Hyatt points and receive excellent value for your points. From luxury hotels like the Alila Ventana Big Sur and a room on Calala Island (where you are one of only four guests on the whole island!) to family friendly or adults-only all inclusives in Mexico and the Caribbean, the Small Luxury Hotels brand with amazing properties all over the world, and so much more (and a constantly growing portfolio of hotels and resorts!), Hyatt points are about as valuable as they come.

15

Does the World of Hyatt Business Credit Card have Cell Phone Protection?

No, the World of Hyatt Business Card does not come with Cell Phone Protection coverage.

16

How does the World of Hyatt Business Credit Card Compare with the World of Hyatt Credit Card?

17

How does the World of Hyatt Business Credit Card compare with the Chase Ink Business Preferred® credit card?

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