Our experts answer readers' credit card questions and write unbiased product reviews (here's how we assess credit cards). In some cases, we receive a commission from our partners; however, our opinions are our own. Terms apply to offers listed on this page.
World of Hyatt Business Credit Card Review
The World of Hyatt Business Credit Card is a good choice for small-business owners who stay with Hyatt frequently and can make use of enough card benefits to justify the annual fee.
There's a World of Hyatt Business Credit Card annual fee, but in return, cardholders receive up to $100 in Hyatt statement credits each year, automatic Discoverist elite status (with the ability to "gift" status to up to five company employees), and a host of other travel and shopping benefits.
Big spenders, in particular, can do quite well with the World of Hyatt Business Credit Card, because it offers a 10% points rebate on award stays after you spend at least $50,000 in a year and tier-qualifying night credits for meeting spending thresholds. It also offers a unique "adaptive earning accelerator" that awards bonus points on the eligible categories where you spend the most.
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.
World of Hyatt Business Card Rewards
World of Hyatt Business Card Welcome Bonus
The World of Hyatt Business Credit Card is currently offering a sign-up bonus of World of Hyatt Business Credit Card - Intro Bonus.
This is a generous offer that can get you several nights of free stays at Hyatt properties, but note the relatively high spending requirement — not everyone will want to commit to spending that much on the card in the first six months.
The offer ends on October 19, 2023, at 9 a.m. ET, so apply soon if you want to nab this elevated bonus.
How to Earn Rewards With the World of Hyatt Business Card
The World of Hyatt Business Credit Card offers numerous bonus categories that can help you boost your rewards earning, including a few you don't see often on small-business credit cards. Cardholders earn:
4x points at Hyatt hotels in addition to the 5 points per dollar you'd normally earn for being a World of Hyatt member
2x points on the top three eligible spend categories each quarter (from a list, see below) through 12/31/24
2x points on fitness club and gym memberships
1 point per dollar on all other purchases
One of the most interesting features of the World of Hyatt Business Credit Card is the ability to earn 2x points in the top three eligible categories you spend in each quarter — although, after December 31, 2024, this will change to your top two categories.
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.
Hyatt introduced peak and off-peak pricing in addition to standard pricing for award stays, which means you'll pay fewer points during the off-season and more points during popular times. Here's the current Hyatt award chart:
World of Hyatt category
Off-peak points per night
Standard points per night
Peak points per night
Category 1
3,500
5,000
6,500
Category 2
6,500
8,000
9,500
Category 3
9,000
12,000
15,000
Category 4
12,000
15,000
18,000
Category 5
17,000
20,000
23,000
Category 6
21,000
25,000
29,000
Category 7
25,000
30,000
35,000
Category 8
35,000
40,000
45,000
You can also redeem Hyatt points for room upgrades on paid rates at 3,000 points for a room with club lounge access, 6,000 points for a standard suite, or 9,000 points for a premium suite.
With the World of Hyatt Business Credit Card's welcome bonus, you could get up to 15 standard nights in a Category 1 hotel, or even up to 21 off-peak nights in the same category. Or, if you prefer to splurge, you could redeem your bonus for fewer nights at a luxury Category 6 or 7 property like a Park Hyatt or Andaz, or an all-inclusive resort.
Hyatt Business Credit Card Benefits and Features
The World of Hyatt Business Credit Card comes with perks that are most useful if you (or your employees) stay with Hyatt often.
Automatic Hyatt Discoverist Elite Status (With Gifting)
World of Hyatt Business Credit Card comes with automatic Discoverist elite status, which is the lowest tier of status in the World of Hyatt program and usually requires 10 tier-qualifying nights or earning 25,000 base points in a year. Discoverist status offers perks like 10% bonus points on paid stays, 2 p.m. late checkout when available, premium internet, and preferred rooms.
Cardholders have the ability to gift Discoverist status to up to five company employees — and the recipients do not have to be authorized users on your World of Hyatt Business Credit Card.
Elite Qualifying Nights for Spending
For every $10,000 you spend on the World of Hyatt Business Credit Card in a calendar year, you'll earn five tier-qualifying night credits. This is useful if you're aiming for the next level of elite status; for example, to earn Hyatt's mid-tier Explorist status, you'd normally need to stay 30 qualifying nights in a year. By spending $60,000 on the World of Hyatt Business Credit Card before the end of the year, you could unlock this status without ever setting foot in a Hyatt hotel.
Elite status is extremely lucrative for frequent Hyatt guests because it offers perks like room upgrades, late checkout when available, and a points bonus on paid stays.
Hyatt Statement Credits
When you spend $50 or more at any Hyatt property with your World of Hyatt Business Credit Card, you'll receive a $50 statement credit, up to twice per card anniversary year.
Earning up to $100 in Hyatt credits is a good way to offset more than half of the card's World of Hyatt Business Credit Card annual fee. Again, if you don't have paid Hyatt stays, you might be better off with the personal version of the card, which offers a free night certificate each anniversary instead of Hyatt credits.
10% Redemption Rebate
When you spend $50,000 or more on the World of Hyatt Business Credit Card in a calendar year, you'll receive 10% of your points back as bonus points on redemptions for the remainder of the calendar year.
Hyatt Leverage Program Membership
Hyatt Leverage is Hyatt's global business travel program that offers special rates to qualifying small and mid-sized businesses at participating Hyatt hotels worldwide. Only the primary World of Hyatt Business Credit Card is eligible for Hyatt Leverage membership.
Car Rental Insurance
The World of Hyatt Business Credit Card offers primary car rental insurance, which means when you pay for a rental car with your card and decline the rental company's collision insurance, you're covered for theft and collision damage on most vehicles, and in most countries.
Trip Cancellation/Interruption Insurance
If your trip is canceled or cut short because of a covered situation like sickness or severe weather, you may be eligible for up to $1,500 per person and $6,000 per trip for pre-paid, non-refundable travel expenses.
Extended Warranty
When you purchase an eligible item with your World of Hyatt Business Credit Card, you can qualify for an extension of the US manufacturer's warranty by an additional year on eligible warranties of three years or less.
Purchase Protection
Eligible new purchases you make with the World of Hyatt Business Credit Card can be covered against damage and theft for 120 days, up to $10,000 per claim and $50,000 per account.
Travel and Emergency Assistance Services
If you're traveling away from home and run into issues, you can get help with medical and legal referrals or other emergency assistance. The service itself is complimentary, but any third-party costs are your responsibility.
Roadside Dispatch
World of Hyatt Business Credit Card cardholders can contact the roadside dispatch hotline for help with arranging services like towing and flat tire repair for a set fee.
World of Hyatt Business Credit Card Annual Fee and Other Costs
The World of Hyatt Business Credit Card comes with a World of Hyatt Business Credit Card annual fee. However, if you can take advantage of the up to $100 in Hyatt credits the card offers each year, your annual cost is effectively reduced to $99.
This card is a good choice if you're traveling overseas because it doesn't add foreign transaction fees. Like most other cards, there are fees for balance transfers, cash advances, and late or returned payments.
How the World of Hyatt Business Credit Card Compares
World of Hyatt Business Card vs. the World of Hyatt Credit Card
If the big-spending perks on the World of Hyatt Business Credit Card don't fit your travel and spending habits or if you don't have paid stays to take advantage of the annual Hyatt credits, you'll like be better off with the personal version of the card — The World Of Hyatt Credit Card. Instead of a Hyatt credit, it offers a free night in a Hyatt Category 1 to 4 hotel each cardmember anniversary, and the annual fee is only The World Of Hyatt Credit Card.
World of Hyatt Business Card vs. the Ink Business Preferred Card
The Ink Business Preferred® Credit Card has a lower annual fee of Ink Business Preferred® Credit Card - Annual Fee, and it's offering a welcome bonus of Ink Business Preferred® Credit Card - Intro Bonus.
World of Hyatt Business Credit Card Frequently Asked Questions
Who is eligible for the World of Hyatt Business card?
Because the World of Hyatt Business Credit Card is a small-business credit card, you must have a business venture to qualify. That said, you don't need an LLC or a full-time business to be eligible; side gigs like freelancing and driving for Uber count as well.
You're won't qualify if you already have this particular card or have earned the welcome bonus in the past 24 months, but you're still eligible if you already have the personal The World Of Hyatt Credit Card. This card is also subject to the Chase 5/24 rule, which means you won't be approved if you've opened five or more cards (from any bank) in the past 24 months.
What credit score do you need for the World of Hyatt Business credit card?
Does the World of Hyatt Business card come with an anniversary free night?
No, the World of Hyatt Business Credit Card doesn't offer a free anniversary night (like the personal The World Of Hyatt Credit Card does). Instead, cardholders receive up to $100 in Hyatt statement credits per year.
That doesn't have nearly as much potential value as the Category 1-4 anniversary night the personal The World Of Hyatt Credit Card offers, but the card does come with other perks that could be a better fit for some travelers.
Why You Should Trust Us: How We Reviewed the World of Hyatt Business Card
To review the World of Hyatt Business Credit Card, we following our credit card rating methodology, which weighs the following factors equally: the welcome bonus offer, annual fee, ongoing rewards rates, options for using rewards, and other card benefits. We compare apples to apples; we wouldn't expect a no annual fee card to have the same benefits as a premium credit card.
