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Hyatt and Chase have teamed up to deliver a top-tier product in the World of Hyatt Business Credit Card. This long-awaited card comes with a welcome offer of up to 75,000 points, alongside high-value perks that should put it on the radar of any Hyatt member with a small business.
For those who stay with Hyatt properties even just a few times a year, this card could be a great addition to your portfolio. Let's see what it has to offer.
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening. Additionally, earn 15K Bonus Points after you spend $12,000 in the first 6 months.
- 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 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 through 12/31/24, then your top two 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
- Up to 9X total points per $1 spent at Hyatt – 4X points per $1 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 through 12/31/2023, then your top two 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
Quick Glimpse
- Earn up to 75,000 Bonus Points. 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening, plus an additional 15,000 Bonus Points after you spend $12,000 within the first 6 months of account opening.
- Automatic World of Hyatt Discoverist elite status
- Earn up to $100 in Hyatt statement credits (earn a $50 statement credit when you spend $50 or more on Hyatt purchases—up to 2x per anniversary year)
- 5 tier-qualifying night credits for every $10,000 you spend on the card.
- $199 annual fee
Welcome Bonus
New cardholders can earn up to 75,000 World of Hyatt points. 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening, plus an additional 15,000 Bonus Points after you spend $12,000 within the first 6 months of account opening. While this bonus may not look as valuable as other hotel card products sporting six-figure signup offers, World of Hyatt points provide a much higher return than competing hotel programs.
For context, up to 75,000 World of Hyatt points are enough to book more than a dozen nights at a category 1 Hyatt property during standard nights. Or book more than 20 nights at a Category 1 during off-peak dates. That's a lot of free nights!
And with Hyatt, just because a hotel is a category 1 does not mean it is a bottom-level property. For example, this beautiful boutique hotel, the Story Hotel Signalfabriken—part of JdV by Hyatt—is a Category 1 hotel. That's an amazing deal if you want to book a longer stay and explore Stockholm without a huge points budget.
Stateside, Hyatt offers more than 130 Category 1 hotels. So, these deals aren't just found overseas.
World of Hyatt Business Credit Card Benefits
The Hyatt Business Card comes with excellent perks—some of which overlap with the personal The World of Hyatt Credit Card—plus a few unique benefits.
Automatic Discoverist Status
Cardholders get complimentary Discoverist status upon approval for the Hyatt Business Card. Discoverist status comes with the following perks:
Even better, you can gift up to 5 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 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 5 tier-qualifying credits—with no limit to the number of nights you can accumulate. For comparison, the personal Hyatt Credit Card offers 2 tier-qualifying credits for every $5,000 you spend in a calendar year.
That gives the business card an edge for cardholders who plan to use this perk to rack up a significant number of elite nights.
$100 Hyatt Anniversary Credit
Cardholders can earn up to $100 in Hyatt credits each cardholder anniversary year when they spend $50 or more at any Hyatt property. Get $50 in statement credits up to two times each year.
Hyatt hasn't specifically stated what counts, but I would imagine anything you could charge to your room would qualify — including charges like room service, spa services, and more.
Other Perks
A few other perks available for 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
- Complimentary roadside assistance
- 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.
Points Earning Potential & Category Bonuses
Another feature of the Hyatt Business Card is its bonus spending categories. The card offers the following 8 categories:
- 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
Each quarter through 2024, cardmembers can earn two Hyatt points per $1 spent in their top three (out of eight) spending categories listed above. That was supposed to drop to two categories starting in 2024, but it was extended for another year. For 2025 and beyond, it will be for the top 2 of 8 spend categories. You'll earn one 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 that spending.
What's interesting here is that unlike rotating-category cards from Chase, like the Chase Freedom Flex℠ where you're capped at $1,500 in spending each quarter, the categories for the Hyatt Business Card are uncapped.
Additionally, cardholders can earn at least 9.5x Hyatt points total on stays at Hyatt and on Hyatt 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.
These are just a few of the unique activities you can partake in with Hyatt Experiences. You can access the Experience's page and learn more here. Besides the personal World of Hyatt Card, this is the only rewards card from a major bank that offers bonus points for spending on Hyatt Experiences.
You can also earn 2x Hyatt points for fitness club and gym memberships. Finally, you will earn 1 Hyatt point on all other purchases.
World of Hyatt Business Credit Card Application Restrictions
Chase bank is notorious for its tight restrictions when it comes to opening new accounts. Unsurprisingly, as with all cobranded Chase cards, the Hyatt Business Card is subject to Chase's 5/24 policy.
This policy restricts the approval of new Chase rewards 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, despite it being issued by Chase, it will not count towards your 5/24 status. However, you won't be approved for this card if you are already over 5/24.
This is fantastic news. You can think of it as a kind of a freebie for your 5/24 score. It's also worth noting that you can still get the Hyatt Business Card even if you already hold a personal Hyatt card.
Final Thoughts
The highly anticipated Hyatt Business Card is finally here. The latest Hyatt credit card comes with a high-value signup 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.
What do you think of the World of Hyatt Business Credit Card?
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