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Hyatt points aren't as easy to acquire as other travel rewards, but one of the easiest ways to earn them is through credit card spending. Chase issues two Hyatt credit cards:
Considering Hyatt has some of the best award prices with free nights starting at just 3,500 Hyatt points for off-peak Category 1 hotels, opening one of these cards can translate to many more award stays in your future.
The Hyatt cards don't have the same features.
The perks, welcome offers, and annual fees are also different. Let's see how these two Hyatt cards compare to one another.
We're focused here on the rewards and perks that come with each card. These cards won't be worth it if you're paying interest or late fees. When using a credit card, it's important to pay your balance in full each month, make payments on time, and only spend what you can afford to pay.
With
Meanwhile, the
Keep in mind, the
Do You Have a Small Business?
The next question is the make-or-break point for many people: Do you have a small business? If you don't,
But don't take the
What's Your 5/24 Status?
Both of these Chase cards are subject to Chase's 5/24 rule, which says Chase won't approve you for any of its cards if you've opened five or more credit cards across all banks in the last 24 months. If you have, consider neither of these cards until your 5/24 status changes.
The other thing to consider is that while both of these cards are subject to the rule, the
Because of this rule, it's important to choose your Chase cards carefully. Chase has some of the best credit cards available, so select the Hyatt card you want the most while keeping this rule in mind.
Earning Hyatt Points
Both of these cards earn 4 Hyatt points per dollar spent at Hyatt hotels, in addition to the 5 points per dollar you earn for being a World of Hyatt member, for a total of 9x points on Hyatt stays. Both also offer 2 Hyatt points per dollar spent on fitness club and gym memberships.
The
- Dining
- Airline tickets purchased directly with the airline
- Gas stations
- Local transit and commuting
- Car rental agencies
- Internet, cable, and phone services
- Social media and search engine advertising
- Shipping
There's a lot of overlap with
While both cards offer a variety of bonus categories, it's important to note that many of these same categories are available with other Chase Ultimate Rewards® cards at higher point multipliers. For example, the
The Chase Ultimate Rewards points you earn with this card transfer directly to Hyatt, as well as over a dozen other Chase airline and hotel partners, at a 1:1 ratio. So if it's just Hyatt points you want, there are other Chase cards that are better for that.
Between the two Hyatt cards,
Is Hyatt Elite Status Important to You?
Both Hyatt credit cards offer a path to more elite-qualifying nights through spending. But the amounts you'll need to spend and what you'll get for that spend vary.
Every time you spend $5,000 on
With the
If you spent $30,000 on
On the flip side, you'll need to spend more to get more with the
Also, keep this in mind. With
Do You Want to Share Elite Status Perks With Others?
With both
But the
Hyatt Discoverist status is the lowest elite status tier, but could potentially be useful in certain situations, especially if Hyatt hotels are part of your travels.
Will You Use the World of Hyatt Business Card's Benefits?
The
And when you spend $50,000 in a calendar year, you'll also get 10% of your redeemed points back after you reach the spending threshold, but it's limited to 20,000 points per calendar year. That means you need to spend $50,000 to receive a 10% rebate on up to 200,000 redeemed points, which isn't a great deal, but handy if you're going to spend that much on the card anyway.
Is the Annual Fee a Factor?
If you have two paid Hyatt stays per year, it's easy to get the two $50 statement credits from having the
Compare that with
Both annual fees are well worth it if you'll use the benefits. It's just that the
Comparison: Hyatt credit card vs Hyatt business credit card
| Annual fee | ||
| Welcome bonus | ||
| Rewards rate | 4x points* on Hyatt stays and experiences 2x points on dining 2x points on flights purchased directly from the airline 2x points on local transit and commuting 2x points on fitness club and gym memberships 1 point per dollar on all other eligible purchases | 4x points* at Hyatt hotels 2x points on your top three spend categories each quarter (from a list)*** 2x points on fitness club and gym memberships 1 point per dollar on all other purchases |
| Hotel benefits | Automatic Hyatt Discoverist elite status Five elite night credits each calendar year Two elite night credits for every $5,000 in purchases Annual free night award**** An additional free night award**** after you spend $15,000 on purchases in a calendar year | Automatic Hyatt Discoverist elite status Gift Discoverist status to up to five company employees 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year Up to $100 in Hyatt statement credits per year 10% redemption rebate after you spend $50,000 in a calendar year Hyatt Leverage program membership |
| Other benefits | Lost luggage reimbursement Baggage delay insurance Trip cancellation/interruption insurance Purchase protection One year complimentary DoorDash DashPass membership (activate by December 31, 2024) No foreign transaction fees
| Primary car rental insurance Trip cancellation/interruption insurance Extended warranty Purchase protection Travel and emergency assistance services Roadside dispatch No foreign transaction fees |
| Review | World of Hyatt Business credit card review |
*Bonus points at Hyatt hotels are in addition to the points members would normally earn from a stay
***Top three spend categories until December 31, 2024, then top two spend categories thereafter (eligible categories are 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, and shipping)
****
Still on the Fence?
Whether
They are both worthwhile cards that pair well with Hyatt hotel stays. Small-business owners can do well with the
For more information on these cards, here's our World of Hyatt card review and our World of Hyatt business card review to help you decide which is best for you.