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The World of Hyatt Business Credit Card features several high-value perks that should put it on the radar of any Hyatt member with a small business. For those who stay at Hyatt properties even just a few times a year, this card could be a great addition to your wallet. Let's go over what it has to offer.
- 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Rates & Fees
- Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
- 2X points per $1 spent on fitness club and gym memberships
- 1X point per $1 everywhere else
In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
- Dining
- Shipping
- Airline tickets when purchased directly with the airline
- Local transit & commuting
- Social media & search engine Advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
Page Contents
Hyatt Business Card Pros
- Automatic World of Hyatt Discoverist elite status for you and select employees.
- Earn up to $100 in Hyatt statement credits annually.
- Opportunity to spend your way to Hyatt elite status.
Hyatt Business Card Cons
- $199 annual fee.
- No annual free night certificates.
- Chase application restrictions may keep you from being approved for this card.
Hyatt Business Card Welcome Bonus
New cardholders can earn 60,000 World of Hyatt points – plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening (offer ends 6/30/25).
While this bonus may not look as valuable as other hotel credit cards sporting six-figure sign-up offers, you should receive a much higher return compared to competing hotel programs as Hyatt points are worth approximately 2.19¢ each, based on AwardWallet user redemptions.
Related: The World of Hyatt Rewards Program — A Complete Guide
Hyatt Business Card Benefits
Unfortunately, the Hyatt Business Card does not come with an annual free night award certificate like many other hotel credit cards have. However, the card does have many excellent perks — some of which overlap with its personal counterpart, The World of Hyatt Credit Card — plus a few unique benefits only available on the business version.
Automatic Discoverist status
Cardholders get complimentary Discoverist status upon approval for the Hyatt Business Card. Discoverist status includes perks like premium internet, free daily bottled water, space-available room upgrades, an elite check-in desk, and 2 p.m. late checkout (subject to availability).
Even better, you can gift up to five Discoverist statuses to company employees. The only downside is that you now have to decide which five employees you're going to pick!
Spend your way to Hyatt elite status
If you're looking to earn a status higher than Discoverist, the Hyatt Business Card offers a fast track to Explorist and Globalist status. For every $10,000 you spend on the card in a calendar year, you'll earn five (5) tier-qualifying credits — with no limit to the number of nights you can accumulate. For comparison, the personal World of Hyatt Card offers two (2) tier-qualifying credits for every $5,000 you spend in a calendar year.
Explorist status requires 30 elite night credits, and Globalist requires 60 nights, so the five nights for every $10,000 spent gives the business card an edge for those who plan to use this perk to rack up a significant number of elite nights.
Related: Shortcuts to World of Hyatt Elite Status
Up to $100 annual Hyatt credit
You can receive up to $100 in Hyatt credits each cardholder anniversary year. The $100 is split into $50 increments. When you spend $50 or more at any Hyatt property, you'll get $50 in statement credit up to two times each year.
This credit runs from your card account open date through the first statement date after your account open date anniversary — and then every 12 monthly billing cycles after that.
Qualifying Hyatt purchases are single transactions of $50 or more made at participating Hyatt hotels and resorts, which would include hotel stays and anything you charge to the room — think parking, minibar items, or in-room dining. Eating at a restaurant or getting a spa service at a participating Hyatt hotel would also qualify for the statement credit, whether or not you are an overnight hotel guest.
Other perks
A few other benefits of this card include:
- Spend $50,000 in a calendar year and get 10% of your redeemed points back for the rest of the year — up to 20,000 points back per calendar year.
- No fee for employee business cards.
- No foreign transaction fees.
- Primary rental car collision damage waiver.
- Extended warranty protection.
- Purchase protection.
- Trip cancellation/travel interruption insurance.
- Travel and emergency assistance services.
- Access to Hyatt Leverage – Hyatt's business travel program. It offers special rates to qualifying small- and mid-sized businesses at participating Hyatt hotels across the globe.
Related: 22 Card Benefits Every Traveler Should Know About
Hyatt Business Card Earning Rates
Earning on the Hyatt Business Card is pretty lucrative, as the earning rates adapt to your spending automatically:
- Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
- 2X points per $1 spent on fitness club and gym memberships
- 1X point per $1 everywhere else
In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
- Dining
- Shipping
- Airline tickets when purchased directly with the airline
- Local transit & commuting
- Social media & search engine Advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
For the 2X points benefit on your top three spending categories, you'll earn 1 Hyatt point when you make your purchase. Then, at the end of the quarter, Chase will determine your top purchase categories and award an additional bonus point for those purchases.
Some of Chase's other business and personal cards offer more bonus points for spending in some of these same categories — and the Ultimate Rewards points they earn can be transferred to Hyatt.
For example, the Ink Business Preferred® Credit Card earns 3x points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, and advertising purchases made with social media sites and search engines each account anniversary year.
On the flipside, the categories for the Hyatt Business Card are uncapped. So, if you are a big spender, you may come out ahead spending on the Hyatt Business Card. Plus, you'll earn Hyatt elite night credits and a 10% points rebate by hitting certain spending thresholds.
When it comes to spending at Hyatt, cardholders can earn at least 9.5X points total on stays and on FIND experiences — that's 4X bonus points per $1 spent at Hyatt hotels and resorts, including participating restaurants and spas. Plus, as a World of Hyatt Discoverist elite, you'll earn 5 base points and 0.5 elite bonus points per $1 spent at Hyatt hotels and resorts. If you attain higher status levels, your earnings will increase even further.
Related: How To Earn Hyatt Points on Hyatt Stays, Meetings, Card Spending, and More
Redeeming Points With the Hyatt Business Card
Free nights
The World of Hyatt award chart prices award nights at off-peak, standard, and peak rates. Award pricing starts as low as 3,500 points for Category 1 properties during off-peak dates and can go up to 45,000 points per night at Category 8 properties during peak periods.
| Hotel Category | Standard Room | Off-Peak / Peak Price (per night) | Club (Standard Pricing) | Standard Suite (Standard Pricing) | Premium Suite (Standard Pricing) |
|---|---|---|---|---|---|
| 1 | 5,000 | 3,500 / 6,500 | 7,000 | 8,000 | 10,000 |
| 2 | 8,000 | 6,500 / 9,500 | 12,000 | 13,000 | 16,000 |
| 3 | 12,000 | 9,000 / 15,000 | 17,000 | 20,000 | 24,000 |
| 4 | 15,000 | 12,000 / 18,000 | 21,000 | 24,000 | 30,000 |
| 5 | 20,000 | 17,000 / 23,000 | 27,000 | 32,000 | 40,000 |
| 6 | 25,000 | 21,000 / 29,000 | 33,000 | 40,000 | 50,000 |
| 7 | 30,000 | 25,000 / 35,000 | 39,000 | 48,000 | 60,000 |
| 8 | 40,000 | 35,000 / 45,000 | 50,000 | 61,000 | 80,000 |
All-inclusive resorts have a separate award chart, with free nights starting as low as just 12,000 points for Category A properties on off-peak dates and increasing up to 58,000 points per night at Category F properties on peak dates. These rates are for single or double occupancy and increase for additional guests.
| Hotel Category | Standard Room | Off-Peak / Peak Price (per night) | Club (Standard Pricing) | Standard Suite (Standard Pricing) | Premium Suite (Standard Pricing) | Additional Points per Person (After 2, Standard Pricing) |
|---|---|---|---|---|---|---|
| A | 15,000 | 12,000 / 18,000 | 21,000 | 24,000 | 30,000 | 7,500 |
| B | 20,000 | 17,000 / 23,000 | 27,000 | 32,000 | 40,000 | 10,000 |
| C | 25,000 | 21,000 / 29,000 | 33,000 | 40,000 | 50,000 | 12,500 |
| D | 30,000 | 25,000 / 35,000 | 39,000 | 48,000 | 60,000 | 15,000 |
| E | 40,000 | 35,000 / 45,000 | 50,000 | 61,000 | 80,000 | 20,000 |
| F | 50,000 | 42,000 / 58,000 | 64,000 | 80,000 | 100,000 | 25,000 |
Miraval destination resorts have their own award chart, ranging from 40,000 points per night for single occupancy in a standard room on off-peak dates to a staggering 137,000 points per night for double occupancy in a premium suite on peak dates.
| Award Type | Off-Peak (Per Night) | Standard (Per Night) | Peak (Per Night) |
|---|---|---|---|
| Standard room, single occupancy | 40,000 | 45,000 | 50,000 |
| Standard room, double occupancy | 57,500 | 65,000 | 72,000 |
| Standard suite, single occupancy | 65,000 | 75,000 | 85,000 |
| Standard suite, double occupancy | 82,500 | 95,000 | 107,000 |
| Premium suite, single occupancy | 95,000 | 105,000 | 115,000 |
| Premium suite, double occupancy | 112,500 | 125,000 | 137,000 |
You also can use Hyatt points for room upgrades on paid stays. Generally, it's a better deal to book a free night in a Club room directly, but standard suites and premium suites can be worth the upgrade price at higher-category properties.
Points + Cash rates
Hyatt also offers Points + Cash rates with its Pay My Way feature. You pay 50% of the points cost and get 50%–70% off the standard cash rate for the room type selected. This usually means your points will be worth less than a full redemption. Also, resort fees are waived on free nights but not on Points + Cash bookings.
Other uses of World of Hyatt points
While using Hyatt points for free night awards undoubtedly offers the best value, there are several other ways to use your points. You can redeem points on-property (at participating locations) for dining and spa experiences. Points are only worth 1 cent each up to $75, then as much as 1.54 cents apiece for higher redemptions.
Another opportunity is redeeming Hyatt points for FIND experiences. Redeeming points for FIND experiences would fetch 1.4 cents per point.
A new benefit as of 2025 is that Hyatt Explorist and Globalist elite status members can redeem Hyatt points for American Airlines “AAdvantage status for a day.” Explorist and Globalist members can redeem 5,000 points for one day of AAdvantage Gold or 10,000 points for AAdvantage Platinum status, and Globalist members can also redeem 12,000 points for a day of Platinum Pro status. AA elite status includes benefits like complimentary upgrades (subject to availability), priority check-in, security, and boarding, and additional baggage allowances for that day.
Finally, you can transfer Hyatt points to airline miles and redeem Hyatt points for Avis car rentals. However, the latter is a very poor value at 6,000 points per day for an intermediate-sized car. You generally lose value on transfers to airline miles as well.
Application Restrictions
Chase is known for its tight restrictions when it comes to opening new accounts. To qualify for the welcome bonus, you cannot currently have the Hyatt Business Card or have previously received a welcome bonus for it in the past 24 months.
Plus, as with all Chase cards, the Hyatt Business Card is subject to Chase's 5/24 policy.
This policy restricts the approval of new Chase credit cards to those who have opened fewer than five personal credit cards in the previous 24 months. The keyword to note here is “personal.” Since the Hyatt Business Card is a business card, signing up for it won't add to your 5/24 count. However, you won't be approved for this card if you are already over 5/24, based on what Chase sees on your credit report when you apply.
This is fantastic news. You can think of it as a kind of a freebie for your 5/24 count. It's also worth noting that you can still get the Hyatt Business Card even if you already hold a personal Hyatt card.
Lastly, Chase doesn't tend to approve anyone for more than one small business card every 90 days.
Related: Understanding Rewards Credit Card Application Rules and Restrictions
Cards That Compete With the Hyatt Business Card
Unsure if the Hyatt Business Card is right for you? Here some of the card's closest competitors, which can help you make a more informed decision:
- If you want more flexible rewards you can use with Hyatt and other programs, look into the Ink Business Preferred® Credit Card. It earns transferable Ultimate Rewards points, which you can transfer 1:1 to Hyatt but also can use with airlines, other hotels, or the Chase Travel portal. It won't provide any direct benefits at Hyatt, though it can be a great way to earn Hyatt points. See our full Chase Ink Preferred review to learn more.
- If you want a hotel credit card but aren't loyal to Hyatt, consider the IHG One Rewards Premier Business Credit Card. Cardholders receive mid-tier Platinum Elite status with IHG One Rewards, plus you can spend your way to top-tier Diamond Elite status. See our full IHG One Rewards Business Card review for more details.
- If you're over 5/24 with Chase and want a hotel card, check out the Marriott Bonvoy Business® American Express® Card. You'll receive complimentary Gold Elite status with Marriott Bonvoy, a free night award each year (worth up to 35,000 points), and up to 7% off paid rates with this card. Learn more in our full Marriott Bonvoy Business Card review. Enrollment is required for select Amex benefits.
- 3X points per $1 on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year
- 1X point per $1 on all other purchases
- Earn 26x total points per $1 spent when you stay at an IHG hotel
- 5X points per $1 spent on travel, dining, social media search engine advertising, and at office supply stores and gas stations
- 3X points per $1 spent on all other purchases
The earning for spending at IHG hotels breaks down as follows:
- Earn 10X points for charging your stay to your IHG One Rewards Premier Business Credit Card
- Earn 6X bonus points for having IHG®Platinum Elite Status, a benefit of having this card
- Earn 10X base points for being an IHG® One Rewards Member (Being a cardholder is not required to earn this bonus for participating in the IHG® loyalty program)
(Terms apply)
- 6x Marriott Bonvoy points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x Marriott Bonvoy points on each dollar of eligible purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping
- 2x Marriott Bonvoy Business® American Express® Card points per dollar on all other eligible purchases
Related: The Top Small-Business Credit Card Offers Right Now
Bottom Line
The Hyatt Business Card comes with a valuable welcome bonus and an extensive set of perks and benefits for cardholders. If you don't have this card, now is a great time to add it to your wallet. The ongoing perks can provide value year after year, even if you only stay with Hyatt infrequently.
- 60,000 Bonus Points plus Explorist status through 2/28/26 after you spend $7,000 on purchases in your first 3 months from account opening. Offer ends 6/30/25
- Up to 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 on qualified purchases at Hyatt hotels & up to 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits - spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
- Rates & Fees
- Up to 9X total points per $1 spent at Hyatt – 4X points per $1 on qualifying purchases when you use your card at Hyatt hotels & 5X points per $1 you can earn as a World of Hyatt member
- 2X points per $1 spent on fitness club and gym memberships
- 1X point per $1 everywhere else
In addition, you'll earn 2X points per $1 spent in your top three spend categories each quarter. Eligible categories include:
- Dining
- Shipping
- Airline tickets when purchased directly with the airline
- Local transit & commuting
- Social media & search engine Advertising
- Car rental agencies
- Gas stations
- Internet, cable & phone services
For rates and fees of the cards mentioned in this post, please visit the following links: World of Hyatt Business Credit Card (Rates & Fees), Ink Business Preferred® Credit Card (Rates & Fees), IHG One Rewards Premier Business Credit Card (Rates & Fees), and Marriott Bonvoy Business® American Express® Card (Rates & Fees)
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