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Credit card showdown: World of Hyatt card versus World of Hyatt Business card

The Points Guy logo The Points Guy 10/18/2021 Chris Dong
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Since 2018, Hyatt has offered one of the most well-rounded hotel cards with the World of Hyatt Credit Card.

It’s a product that offers a wide swath of benefits for even the casual traveler, from an annual Category 1-4 free night certificate to automatic entry-level Discoverist elite status. So when Hyatt announced a new business card in October — the World of Hyatt Business Credit Card — I was looking forward to seeing how this card would compete against its personal counterpart.

Besides the obvious of one being a personal product and the other a business product, these two Hyatt cards have significant differences. In addition, could it make sense to have both the World of Hyatt card and the World of Hyatt Business card? In some instances, for those looking to reach higher thresholds of elite status without hotel stays, yes.

Here’s a closer look at these two cards from Hyatt and Chase — and whether it makes sense to add either (or both) to your wallet.

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In This Post

Comparing the cards

Let’s first take a high-level look at how these two Hyatt cards compare with one another.

World of Hyatt card World of Hyatt Business card 
Sign-up bonus 30,000 bonus points after spending $3,000 on purchases within the first three months from account opening.  

Plus, up to 30,000 more bonus points by earning 2 points per dollar spent on purchases that normally earn 1 point, on up to $15,000 in the first six months of account opening.

75,000 points after spending $7,500 on purchases within the first three months from account opening.  

Apply by Dec. 31, 2021, and receive a complimentary one-year Headspace subscription (valued at $69.99 per year); Headspace subscription must be redeemed by Dec. 31, 2022.

Annual fee $95 $199
Earning rates
  • 4x at participating Hyatt hotels
  • 2x on local transit and commuting, restaurants, airline tickets purchased directly and fitness club and gym memberships
  • 1x on all other purchases
  • 2x on the top three of eight spend categories each calendar quarter through Dec. 31, 2022; and the top two of eight spend categories in 2023 and beyond (no limit).
    • Categories include: Dining, airline tickets purchased directly, car rental agencies, local transit and commuting, gas stations, internet, cable and phone services, social media and search engine advertising, and shipping
  • 4x at participating Hyatt hotels
  • 2x at fitness clubs and gym memberships
  • 1x on all other purchases
Other benefits
  • Automatic 5 elite night qualifying credits towards your next tier of status every year
  • Annual free-night certificate at a Category 1-4 Hyatt property every account anniversary
  • Earn a second free-night certificate at a Category 1-4 Hyatt property by spending $15,000 during your card anniversary year
  • Earn qualifying elite nights through card spending
  • Spend $50,000 or more on the card in a calendar year and receive 10% of redeemed points back for the remainder of the calendar year, up to 20,000 points back per year
  • Earn $100 in Hyatt credit each anniversary year
  • Earn qualifying elite nights through card spending

Sign-up bonuses

The two Hyatt cards have significant differences when it comes to their sign-up bonuses.

Also, since both of these cards are issued by Chase, they are subject to the issuer’s 5/24 rule, meaning you may not be approved if you have opened five or more personal credit cards across all banks in the last 24 months.

Park Hyatt Beaver Creek (Photo by Summer Hull/The Points Guy) © The Points Guy Park Hyatt Beaver Creek (Photo by Summer Hull/The Points Guy)

World of Hyatt card

Let’s start with the personal World of Hyatt credit card. This card has a lower $95 annual fee but also has a more modest sign-up offer. First, you’ll earn 30,000 World of Hyatt bonus points after spending $3,000 on purchases within the first three months from account opening. That’s the easy part. From there, things get a little trickier.

New cardholders can earn another 30,000 points by spending up to $15,000 in the first six months of account opening — but only on everyday spending (non-bonused categories). The way that works is you’ll get 2 points per dollar on purchases that normally earn just 1 point per dollar. To maximize this offer, it’ll require a hefty haul of non-bonused spending.

Related: A review of the World of Hyatt Credit Card

World of Hyatt Business card

In comparison, the World of Hyatt Business card has a higher $199 annual fee but comes with a much more generous (and simpler) sign-up bonus. You’ll earn 75,000 points after spending $7,500 on purchases within the first three months from account opening.

In addition, as part of Hyatt’s partnership with the meditation app Headspace, you’ll also receive a complimentary year’s subscription as a new Hyatt business cardholder.

Related: Best business credit cards of October 2021

Bonus categories

First, there are several similarities with earning rates. For both the World of Hyatt card and World of Hyatt Business card, you’ll earn 4 points per dollar with Hyatt, 2 points per dollar for gym and fitness memberships, and 1 point per dollar on all other eligible purchases.

You’ll earn 4x on dining at restaurants that are part of Hyatt. (Photo by Chris Dong/The Points Guy) © The Points Guy You’ll earn 4x on dining at restaurants that are part of Hyatt. (Photo by Chris Dong/The Points Guy)

World of Hyatt card


Gallery: 10 Hidden Hotel Fees That Sneak Up on You (GOBankingRates)

Now, for the differences. The personal Hyatt card also offers the following bonuses:

  • 2x on local transit and commuting
  • 2x at restaurants
  • 2x on airline tickets purchased directly with the carrier

World of Hyatt Business card

Meanwhile, the World of Hyatt Business card has something that Hyatt and Chase call an “adaptive accelerator.” In simple terms, that means your additional bonus categories will change based on how you spend.

Business cardholders will earn 2 points per dollar on their top three spending categories each calendar quarter through the end of 2022, but only on the top two spending categories thereafter. Those categories include the following:

  • 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
  • Shipping

In total, both the World of Hyatt Business card and the personal World of Hyatt card overlap five bonus categories (but only four on the business card after December 2022). The business card has six unique bonus categories that differ from the personal card. One significant upside of the business card is the flexibility of earning bonuses based on specific expenses each quarter.

Redemption options

a person in a pool of water: Confidante Miami (Photo by Benji Stawski/The Points Guy) © Provided by The Points Guy Confidante Miami (Photo by Benji Stawski/The Points Guy)

Since both of these Hyatt credit cards are part of the World of Hyatt program, their redemption options will be exactly the same.

One of the best ways to use your Hyatt points is to redeem them for free hotel nights. Redemptions for standard rooms start at 5,000 points per night at Category 1 hotels and 40,000 per night at Category 8 hotels. Premium suites go for as much as 60,000 points per night at Category 7 hotels.

However, note that Hyatt plans to introduce peak and off-peak pricing starting in October 2021 for stays in 2022. That means Category 1 properties could drop to as low as 3,500 points per night, while Category 8 properties could go as high as 45,000 points per night.

Related: The most award-friendly hotel program: Everything you need to know about World of Hyatt

Card benefits

First, let’s talk about the similarities between these two cards when it comes to card benefits.

Both the World of Hyatt card and World of Hyatt Business card will automatically get you entry-level Hyatt Discoverist status. While perks are fairly limited, you’ll still enjoy benefits like 2 p.m. late checkout, a daily bottle of water, and upgrades to preferred rooms within the same room category. The cards also offer:

  • No foreign transaction fees
  • Complimentary roadside dispatch
  • Primary rental car collision damage waiver
  • Extended warranty protection
  • Purchase protection
  • Trip cancellation and travel interruption insurance
  • Travel and emergency assistance services

World of Hyatt card

On the personal Hyatt card, one of the most attractive benefits is the annual free-night certificate at a Category 1-4 Hyatt property, which you’ll receive every account anniversary. This perk alone can be worth much more than the card’s $95 annual fee. You’ll also get a second free night after spending $15,000 in a calendar year.

World of Hyatt Business card

Instead of free night awards, the Hyatt Business card focuses more on benefits that can be used for multiple people, which makes sense when you consider Hyatt is targeting the primary cardholder and any potential employees.

First, you can gift up to 5 Discoverist statuses to others, and they do not have to be employees. Five elite statuses with one card is pretty hard to beat. What’s more, there is no fee for employee business cards.

Once you spend $50,000 or more on the card in a calendar year, you’ll receive 10% of your redeemed points back for the remainder of the calendar year (up to 20,000 points per year). In addition, you’ll receive $100 in Hyatt credit each anniversary year. To earn this, you’ll have to spend $50 or more at any Hyatt property and earn $50 in statement credits up to two times.

Why both cards may make sense

(Photo by Chris Dong/The Points Guy) © The Points Guy (Photo by Chris Dong/The Points Guy)

Carrying both cards could unlock the ability to double dip on benefits.

The personal Hyatt card automatically gets you five elite night credits just for having it (which the business variant, unfortunately, does not). Meanwhile, spending on the business card can get you more elite nights quicker (five nights vs. four nights for every $10,000 spent).

All of these night credits can help you level up your status tier with the World of Hyatt program as well as secure Milestone Rewards, which include bonus points, suite upgrades, and more.

With that said, an argument could be made for wanting to earn free nights and five automatic nights (personal Hyatt card) in addition to the perks of gifting Discoverist and earning elite nights faster through spending (Hyatt Business card).

World of Hyatt credit card World of Hyatt Business card
Automatic 5 elite night qualifying credits towards your next tier of status every year Yes No
Earn qualifying elite nights through card spending Yes, earn two nights for every $5,000 spent Yes, earn five nights for every $10,000 spent
Annual free-night certificate at a Category 1-4 Hyatt property every account anniversary Yes No
Earn a free-night certificate at a Category 1-4 Hyatt property if you spend $15,000 during your cardmember anniversary year Yes No
Spend $50,000 or more on the card in a calendar year and receive 10% of redeemed points back for the remainder of the calendar year No Yes
Earn $100 in Hyatt credit each anniversary year No Yes

Bottom line

Hyatt has an ever-growing footprint and one of the most lucrative hotel loyalty programs out there. If you’re looking to earn top-tier World of Hyatt Globalist status, the elite night credits via spending on both cards may help accelerate that progress and make it sense to have both. With a new family of credit cards, now is as good a time as ever to consider whether either (or both) cards make sense for you. But we’re still hopeful and patiently waiting on a future premium Hyatt card.

Official application link: World of Hyatt Credit Card

Official application link: World of Hyatt Business Credit Card

 

Featured photo by John Gribben/The Points Guy.

SPONSORED: With states reopening, enjoying a meal from a restaurant no longer just means curbside pickup.

And when you do spend on dining, you should use a credit card that will maximize your rewards and potentially even score special discounts. Thanks to temporary card bonuses and changes due to coronavirus, you may even be able to score a meal at your favorite restaurant for free. 

These are the best credit cards for dining out, taking out, and ordering in to maximize every meal purchase.

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Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

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