Which is the Best Hyatt Credit Card Offer?

Hyatt's consumer and business co-branded cards each have something different to offer loyalists.

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Updated · 2 min read
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Written by Carissa Rawson
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Edited by Meghan Coyle
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Hyatt has spent the last few years expanding its portfolio of hotels to better compete with the likes of Marriott and Hilton. Along with these developments, Hyatt has launched a small business version of its co-branded credit card.

But which Hyatt credit card should you get? And which Hyatt credit card has the higher sign-up bonus? Let’s take a look at these two cards to see which one makes sense for you. And note, you don't need to own a small business to be able to qualify for a business credit card. Even side hustles or sole proprietorships can be enough to qualify.

The World of Hyatt Credit Card vs. the World of Hyatt Business Credit Card

Hyatt offers two credit cards: World of Hyatt Credit Card and the World of Hyatt Business Credit Card. Let’s compare these cards across welcome bonuses, annual fees and provided benefits.

World Of Hyatt Credit Card
World of Hyatt Credit Card
Apply now

on Chase's website

Chase World of Hyatt Business Credit Card
World of Hyatt Business Credit Card
Apply now

on Chase's website

Annual fee

$95.

$199.

Welcome offer

Earn 5 free nights at any Category 1 - 4 Hyatt hotel or resort after spending $4,000 on purchases in the first 3 months from account opening.* These nights could be worth up to 90,000 points.

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

Reward earn rates

• 4 points per $1 at Hyatt hotels and resorts.

• 2 points per $1 on dining, airline tickets purchased directly from the airline, gym memberships, and local transit and commuting.

• 1 point per $1 on all other eligible purchases.

• 4 points per $1 at Hyatt hotels and resorts.

• 2 points per $1 in your top three spend categories each quarter through Dec. 31, 2024, then your top two categories each quarter.

• 2 points per $1 on fitness club and gym memberships.

• 1 point per $1 on all other eligible purchases.

Benefits

• Earn one free night on each cardmember anniversary to redeem at any Category 1-4 World of Hyatt property.

• World of Hyatt Discoverist status.

• Earn five elite night credits when you get the card, and two additional elite night credits for every $5,000 spent.

• Earn one free night on each cardmember anniversary to redeem at any Category 1-4 World of Hyatt property.

• Earn up to a $100 Hyatt statement credit on your cardmember anniversary.

• World of Hyatt Discoverist status.

• Earn a rebate of 10% of points (up to 200,000 points) redeemed after reaching $50,000 in annual spend.

• Earn five elite night credits for every $10,000 spent.

Welcome bonus

The World of Hyatt Credit Card is currently offering a rather wonky welcome bonus. You have the opportunity to earn up to 60,000 points, but you’ll have to meet two different spending requirements. The World of Hyatt Business Credit Card, meanwhile, has a much more traditional welcome offer:

It’s easy to see that the business card’s welcome offer is superior. You’ll need to spend just $5,000 in total to receive your lump-sum bonus, as opposed to the World of Hyatt card’s requirement to spend at least $15,000.

And it’s easier to qualify for a business card than you might think. Even side hustles will make you eligible as a business owner.

Annual fee

The World of Hyatt Credit Card charges a $95 annual fee, which can be offset with the annual free night certificate the card provides.

The World of Hyatt Business Credit Card charges more than double, with a $199 annual fee, but it also provides up to $100 each year in statement credits in addition to the free night certificate you’ll receive, essentially nullifying any out-of-pocket cost.

Spending toward elite status

Both cards will allow you to earn elite night credits toward elite status by spending on your credit card, but the earning rate differs.

The World of Hyatt Credit Card earns two elite night credits for every $5,000 dollars you spend, which is better for people who won’t put as much spending on this card. Bigger spenders would do better with the World of Hyatt Business Credit Card, which earns a slightly better rate of five elite night credits for every $10,000 you spend on your card.

Perks that are the same

  • Bonus points at Hyatt hotels. Both of these cards earn 4 points per dollar spent at Hyatt hotels — not including the 5x points every World of Hyatt member earns on stays.

  • Elite status. You’ll receive Discoverist elite status as a holder of either of these cards, though the business version also lets you extend this to employees.

  • No foreign transaction fees. Neither card will charge you for using it overseas.

Benefits unique to the World of Hyatt Business Credit Card

If you’re looking to acquire the World of Hyatt Business Credit Card, you’ll receive a few perks that are accessible only to these cardholders, like:

  • $100 statement credit. You’ll be able to receive up to $100 each year in statement credits by spending at least $50 at a Hyatt property. This benefit can be redeemed twice per year, granting you a total of $100 in credits.

  • Redeemed point rebate. After spending $50,000 in a calendar year, you’ll receive a 10% rebate on all World of Hyatt points that you spend. Though this benefit maxes out on a total of 200,000 points redeemed per year, that’s a potential savings of 20,000 points.

Benefits unique to the World of Hyatt Credit Card

There’s just one main perk that the consumer version of this card offers that is unique: the ability to earn a second free night certificate valid at up to Category 4 hotels after spending $15,000 on your card within a calendar year.

What hotel brands are part of World of Hyatt?

Hyatt has more than 25 different brands spread across more than 1,300 properties. They range from budget to luxury options, including an expanding portfolio of all-inclusive resorts.

  • Alila.

  • Alua Hotels & Resorts.

  • Andaz.

  • Breathless Resorts & Spas.

  • Caption.

  • Destination by Hyatt.

  • Dream Hotels.

  • Dreams Resorts & Spas.

  • Grand Hyatt.

  • Hyatt.

  • Hyatt Centric.

  • Hyatt House.

  • Hyatt Place.

  • Hyatt Regency.

  • Hyatt Vacation Club.

  • Hyatt Vivid Hotels & Resorts.

  • Hyatt Zilara.

  • Hyatt Ziva.

  • Impression by Secrets.

  • JdV by Hyatt.

  • Miraval.

  • Mr & Mrs Smith

  • Park Hyatt.

  • Secrets Resorts & Spas.

  • Sunscape Resorts & Spas.

  • The Unbound Collection by Hyatt.

  • Thompson Hotels.

  • UrCove.

  • Zoëtry Wellness & Spa Resorts.

Choose the best Hyatt credit card offer for you

So which Hyatt credit card offer is the best? If you have a small business and the ability to spend a good deal on your credit card, the World of Hyatt Business Credit Card can be well worth your while, especially if you’ve got employees with whom to share elite status.

Otherwise, the World of Hyatt Credit Card offers excellent benefits for a modest annual fee, including the opportunity to receive an annual free night certificate.


How to maximize your rewards

You want a travel credit card that prioritizes what’s important to you. Here are some of the best travel credit cards of 2024:

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*$425 value is based on the max $253 in rewards + max of $180 savings on exclusive offers as of 9/26/24.
*$425 value is based on the max $253 in rewards + max of $180 savings on exclusive offers as of 9/26/24.