World of Hyatt Business Credit Card
- Best for: Business owners whose employees stay at Hyatt hotels for work
- What Sets It Apart: Discoverist status for up to five employees; 5 night credits toward higher status per $10,000 spent; up to $100 in Hyatt statement credits a year
- Cost: $199 annual fee; 19.49% to 27.99% variable APR; no foreign transaction fees; free employee cards
- Features: 70,000 bonus points after $7,000 in purchases in the first 3 months; 4 points per $1 at Hyatt; 2 points per $1 on gym memberships and in your top 3 of 8 business categories each quarter, including shipping, dining, and online advertising; 1 point per $1 elsewhere; 10% back on redeemed points after $50,000 in yearly spending
- Pros: Two Hyatt charges a year bring the fee to an effective $99; Discoverist status for five employees; Hyatt points earned directly
- Cons: No yearly free night; $7,000 in purchases needed for the bonus; status for only five employees
Open the World of Hyatt Business Card if your employees stay at Hyatt for work. Two Hyatt charges of $50 or more a year cut its $199 fee to an effective $99, and you can give five employees elite status. If you’re the only one staying, pick the personal World of Hyatt card for its yearly free night.
It trades the personal card’s yearly free night for Hyatt statement credits, elite status for your staff, and a path to higher status through spending. You can apply as a sole proprietor with a Social Security number, even for a side business, though Chase checks your personal credit and holds you personally responsible for the balance.
Key Features
- $199 annual fee, a variable interest rate (APR) of 19.49% to 27.99%, and no foreign transaction fees
- 70,000 bonus points after $7,000 in purchases in the first three months
- 4 points per $1 at Hyatt, 2 per $1 on gym memberships and in the three of eight business categories where you spend most each quarter, and 1 per $1 on everything else
- A $50 statement credit on each of your first two Hyatt charges of $50 or more each account year
- Discoverist status for you plus five employees you choose (Hyatt’s lowest elite tier, with 10% bonus points at Hyatt)
Pros
- Two qualifying Hyatt charges a year bring the $199 fee down to an effective $99
- Points worth about 1.8 cents each by NerdWallet’s estimate, which puts the bonus at about $1,260
- 5 night credits toward higher status per $10,000 of spending in a calendar year, so $60,000 reaches Explorist, the next tier up
- Free employee cards whose purchases earn points for your account
- Hyatt points earned directly, while Chase’s Ink Business Preferred points now transfer to Hyatt at a rate of 1,000 to 750
Cons
- No yearly free night, which the personal World of Hyatt card includes
- $7,000 in purchases within three months to earn the bonus, a high bar for a side business
- The 10% rebate on points you redeem starts only after $50,000 in spending in a calendar year and returns at most 20,000 points
- Employee cards don’t come with status, and you can give Discoverist to only five employees
Apply when your staff will stay at Hyatt at least twice in the coming year. Keep the card as long as their Hyatt charges earn both $50 credits each year.
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