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World of Hyatt Business Credit Card Review: Everything You Need to Know
December 11, 2024
Details of World of Hyatt business credit card at a glance
Rating:
- 4 out of 5 stars
Accepted Credit Scores:
- Good credit, excellent credit
Fees:
- One-Time Fees→$0
- Annual Fees→$199
- Monthly Fee→$0
APR on Purchases
- 20.49% - 27.49%
Note from Kudos: This review is not commissioned or endorsed by any issuer. Opinions and ratings are entirely our own.
The World of Hyatt Business Credit Card presents a generous rewards program for travelers who frequently stay at Hyatt hotels. The sign-up bonus of 60,000 points is impressive, and the annual fee is reasonable when considering the benefits that come with it. The card also offers several perks, including automatic elite status, complimentary hotel nights, and a free anniversary night.
The ability to earn Hyatt points for everyday purchases and redeem them for hotel stays, upgrades, and experiences makes this card an excellent choice for those who frequently travel for business.
This guide will explain what makes the World of Hyatt business credit card stand out from its competitors, outlines how the Hyatt Rewards program works, how to apply, and popular alternatives to the Word of Hyatt business credit card.
Is the World of Hyatt business credit card for me?
The World of Hyatt business credit card is a great option for business travelers who frequently stay at Hyatt Hotels. With a sign-up bonus double that of the regular World of Hyatt credit card, Word of Hyatt business cardholders can earn points faster towards future stays, upgrades, and other rewards.
This credit card also offers a high reward rate on Hyatt Hotel purchases, providing additional incentives for loyal customers, and the $100 in annual Hyatt credits helps offset the $199 annual fee, making it a worthwhile investment. Additionally, you can quickly rack up Hyatt points if your company employees are authorized cardholders and use Hyatt Hotels.
Whether traveling for pleasure or business, the World of Hyatt business credit card offers valuable perks and benefits that can enhance your stay and reward your loyalty.
What makes this credit card different?
The World of Hyatt business credit card differs from other cards because it offers a quicker pathway to a higher elite status within the World of Hyatt program. Cardholders can earn additional qualifying nights toward status by meeting certain spending thresholds, making reaching coveted status levels like Explorist or Globalist easier.
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The card gives you immediate Hyatt Discoverist status, which you can share with up to five employees. You can earn 9 times the total points per stay at Hyatt hotels and other eligible luxury hotels. Also, you'll have access to a 2 p.m. late checkout and in-room premium internet, where available.
In addition, if you spend $10,000 within a single calendar year, you'll receive 5 tier-qualifying night credits toward either Explorist or Globalist status and Milestone Rewards. If you spend $50,000 within a calendar year, you'll receive a 10% rebate on your redeemed points for the remainder of the year, up to a maximum of 200,000 points redeemed.
This card also gives you access to the Hyatt Leverage program for business owners. By providing reduced rates on standard rooms across all Hyatt hotels, the World of Hyatt business credit card enables businesses to save an average of more than $350 annually in Hyatt stays.
What are my chances of getting approved?
The two key factors in determining your eligibility for the World of Hyatt business credit care are your credit score and your business information. Since other factors influence your approval, let’s break down all of them.
Credit score
The specific score required may vary by issuer and card, but generally, a score of 690 or higher is considered good.
Business information
You'll typically need to provide information about your business, such as its legal name, structure, and address. Some issuers may also ask for information about your industry and the age of your business. The more data you provide, the better.
Personal income and business revenue
Credit card issuers will typically consider your business revenue and your income when reviewing your application. You may be required to provide documentation of your income and business revenue, such as tax returns or financial statements.
Credit history
The issuer will typically review your personal and business credit history, including any past credit card or loan accounts, to determine your creditworthiness.
Payment history
If your business makes timely credit payments to vendors and suppliers, you often have a chance of a higher credit limit.
Debt-to-income ratio
The issuer may consider your debt-to-income ratio, which compares your monthly debt payments to your income to evaluate your ability to take on additional debt.
All the details of the World of Hyatt business credit card
Rates and fees
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Perks and rewards
The World of Hyatt business credit card is part of the Chase credit card program. The card offers the standard Chase card benefits, as well as increased rewards within the World of Hyatt program.
World of Hyatt benefits
New cardholders can receive a sign-up bonus of 60,000 points after spending $5,000 within the first three months of opening an account.
Additionally, cardholders can earn 2 points per dollar spent on the top three of the eight spending categories every calendar quarter through December 31, 2023, and the top two of the eight spending categories in 2024 and after, with no limit on the points that they can earn. The categories include dining, airline tickets, car rentals, local transit and commuting, advertising expenses, gas purchases, internet, cable and phone services, and shipping.
Cardholders can earn 4 points for each dollar spent at participating Hyatt hotels and 2 points per dollar spent at fitness clubs and gym memberships. For all other purchases, cardholders can earn 1 point per dollar spent. Furthermore, if cardholders spend $50,000 or more on the card in a calendar year, they can receive 10% of redeemed points back for the remainder of the calendar year, up to 20,000 points back per year.
Cardholders also receive up to $100 in Hyatt credit each year for their cardholder anniversary and can earn qualifying nights through card spending.
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Chase benefits
As part of the Chase credit card program, the co-branded World of Hyatt business credit card provides supplementary benefits such as travel insurance, travel upgrades, theft and damage protection, and fraud protection.
How to apply
Business owners interested in maximizing Hyatt points can apply for the World of Hyatt business credit card. Application requirements include:
- Be at least 18 years old (19 in AL)
- Have a valid Social Security Number
- Have a personal physical address
- Have a credit score of at least 690
- Have a valid business tax ID or employer identification number.
- Have registered business in the United States with a valid physical address
- Have a minimum income of $30,000 per year.
Upon submitting your application, it'll undergo a review process, and you can expect a quick response. You should anticipate receiving your credit card within 14 business days if you're approved.
Contact info
Chase issues the World of Hyatt business credit card. The phone number for Chase customer service is 1-800-436-7941 and 1-302-594-8200 (outside the U.S. and Canada). Chase has a secure email form on the card’s online portal.
You can also find answers to frequent questions about the Word of Hyatt program at http://worldofhyatt.com/terms.
You can also reach customer support by mail at:
Chase Cardmember Services
P.O. Box 15298
Wilmington, DE 19850
Other stuff you should know
Our review of this credit card is comprehensive, and we confirm the card supports balance transfers (MyChase Plan), allowing you to transfer outstanding balances from one card to another, potentially saving you money on interest fees.
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Customers will be charged a monthly fee of 1.72% of the eligible purchase transaction or the amount chosen to establish a My Chase Plan. The fee for the My Chase Plan will be established at the moment it's created and will remain constant until the entire My Chase Plan balance is settled.
Alternative credit cards to the World of Hyatt business credit card
1. Hilton Honors American Express Card
- No annual fee
- Complimentary Hilton Honors Silver Status
- 7 times points at Hilton hotels and 5 times points for eligible purchases
2. The Blue Business® Plus Credit Card from American Express
- Lower ongoing APR
- 0% intro APR
- 2 times Amex points on all transactions
3. Ink Business Cash Credit Card
- No annual fee
- $900 welcome bonus after $6,000 spent in the first 3 months
- 5% cash back on the first $25,000 spent in eligible, combined business purchases each account anniversary year
4. Ink Business Unlimited® Credit Card
- 1.5% cashback on all transactions
- No reward caps
- No annual fee
Final recommendation
Overall, the Word of Hyatt business credit card could be a great option if you’re looking to boost your points in the Hyatt Rewards program and be able to share the Discoverist status and Hyatt perks with your employees. If that’s precisely what you’re looking for in a credit card, the Word of Hyatt business credit card is a winner.
But in terms of the World of Hyatt Rewards offerings, it’s worth noting that other rewards credit cards offer a more comprehensive range of spending categories and ways to redeem — and they don’t have a $199 annual fee, either. If you’re looking for ways to maximize rewards outside of the Hyatt Rewards program, this card might not be your best bet, and you can use our card explorer to find better options.
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Editorial Disclosure: Opinions expressed here are those of Kudos alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.
