The
World Of Hyatt Business Credit Card is a good credit card for business travelers with
good credit or better who stay at Hyatt hotels frequently. The Hyatt Business Credit Card’s
$199 annual fee is worth it if you can take advantage of the card’s big initial bonus, solid ongoing rewards and assorted perks. For example, cardholders automatically receive Discoverist status in the
World of Hyatt loyalty program. But if you’re just trying to save on a stay or two, you’re likely to get more out of a general travel rewards credit card for business.
World of Hyatt Business Credit Card Review Highlights
60,000 points initial bonus
The Hyatt Business Credit Card has an above-average initial bonus, offering
60,000 points for spending $5,000 in the first 3 months. An initial spending requirement that high also is fairly typical of a business credit card bonus.
The value of this bonus depends on what exactly you redeem the points for. On average, 60,000 Hyatt points are worth
$1,578 in reservations at Hyatt hotels.
4 points / $1 on Hyatt purchases
The Hyatt Business Credit Card gets you an extra
4 points / $1 on Hyatt purchases, on top of the 5 points / $1 you get simply for being a member of the World of Hyatt loyalty program. This can help you earn free nights much faster if you regularly make purchases directly through Hyatt.
2 points / $1 spent on several types of purchases
Cardholders always receive 2 points per $1 spent on memberships to fitness clubs and gyms, so you can get rewarded for keeping yourself and your employees in good health.
Plus, the Hyatt Business Credit Card automatically identifies your biggest spending categories each quarter and gives you 2 points per $1 spent in those areas. Through 12/31/24, your top three quarterly spending categories get this treatment. After that, it’s just the top two.
Up to $100 in statement credits per year
If you spend at least $50 at a Hyatt property using the World of Hyatt Business Credit Card, you get a $50 statement credit. You can get this bonus up to two times every 12 months, starting from when you open your account. So, if you know you’re going to stay at Hyatt hotels at least twice per year, you can consider the card’s annual fee to be $100 lower.
$199 annual fee
The Hyatt Business Credit Card’s
$199 annual fee is worth paying if you earn the card’s initial bonus and then make Hyatt purchases throughout the year. For context, the average annual fee among new credit card offers right now is
$22.29.
Good credit score needed
To get approved for the Hyatt Business Credit Card, you will need a
good credit score or better personally. You will be held personally liable for balances your business cannot pay, so your personal creditworthiness is relevant. You can
check your credit score for free on WalletHub.
High APR
This card does not offer low introductory APRs on purchases or balance transfers. Rather, it just has a regular APR that ranges from
21.49% to 28.49% (V), based on an applicant’s overall creditworthiness.
Not only is the high end of the range above-average for a card that requires
good credit for approval, but it’s best not to carry a balance from month to month with a business credit card if you can help it. Business credit cards
don’t have the same user protections as general-consumer cards.
World of Hyatt status
Cardholders automatically receive Discoverist status in the World of Hyatt rewards program. Without the card, earning Discoverist status would require spending five nights at Hyatt properties in a year or earning 12,500 points.
This status level gets cardholders perks such as extra points on Hyatt purchases, preferred room choice, and late checkout. You can check out WalletHub’s
World of Hyatt Review to learn more.
Note: This review is not provided, commissioned or endorsed by any issuer. Opinions and ratings are our own.