Overview of the World of Hyatt Business Credit Card

The World of Hyatt Business Credit Card is a mid-tier hotel credit card tailored for Hyatt enthusiasts eager to reach status perks or enjoy a 10% redemption bonus. However, it’s important to weigh its limitations—such as the absence of complimentary annual night certificates and automatic elite status above the basic level. Card Rating: ⭐⭐⭐½

Note: This rating reflects the perspective of Flying Frugal’s editorial team, independent of any influence from the card issuer.

Chase’s World of Hyatt Business Credit Card provides valuable benefits for small-business owners who are loyal to Hyatt. If your credit score exceeds 670 and your goal is to earn World of Hyatt points and achieve higher status, this card might suit you well.

While lacking some typical hotel credit card features, such as elevated status rewards and anniversary free night certificates, it compensates with notable perks for those willing to spend strategically. If you can leverage these benefits, the $199 annual fee is justified. Otherwise, it may not be worth retaining long-term.

Key Features to Know Before Applying

Pros and Cons of the World of Hyatt Business Credit Card

Welcome Offer

New cardholders can earn 60,000 points and World of Hyatt Explorist status through February 2026 by spending $7,000 within the first three months. This offer ends on June 30.

According to Flying Frugal’s April 2025 valuations, these points equate to approximately $1,020. This unique offer includes elite status, which typically requires extensive stays or spending to achieve.

Benefits of the World of Hyatt Business Credit Card

• 10% Redemption Bonus: Spend at least $50,000 annually across your team to earn bonus points on redeemed Hyatt points.
• Automatic Discoverist Status: Primary cardholders and up to five employees receive this status plus upgrade awards.
• Tier-Qualifying Night Credits: Earn five credits for every $10,000 spent during the calendar year.
• Hyatt Leverage Membership: Enjoy discounts of up to 15% at participating Hyatt hotels.
• Annual Hyatt Credits: Receive up to $100 in statement credits ($50 each time you spend $50 or more at Hyatt).

While lacking higher elite status or free night certificates, frequent Hyatt guests will appreciate the hotel credit and Leverage membership, particularly if their business spending can maximize perk potential.

Earning Points

Cardholders earn up to 9 points per dollar on Hyatt stays: 4 points spent directly at Hyatt hotels, plus up to 5 points as a World of Hyatt member. Additionally, earn 2 points per dollar on gym and fitness memberships.

Adaptive Accelerator Benefit: Earn 2 points per dollar in your top three spending categories each quarter, automatically chosen, with 1 point on all other purchases.

Redeeming Points

The best use of World of Hyatt points earned is typically for Hyatt stays. Options include full stays, Points + Cash rates, or upgrades. The loyalty program employs an award chart to help plan redemptions, with different categories for peak and off-peak dates.

For maximum value, target higher or lower ends of the award chart. Additional redemption options include Avis car rentals, dining, spa services, or transferring points to certain airline programs, though these often yield lower value.

Competing Credit Cards

If you seek additional perks or a different points structure, consider alternatives from our lists of the best business and travel credit cards.

Is the World of Hyatt Business Credit Card Worth It?

By utilizing the Hyatt statement credits effectively, you can lower your $199 annual fee to an effective cost of just $99. While gifting Discoverist status is a useful feature, the absence of free night certificates or enhanced elite status may signal that other cards provide better value.

Conclusion

The World of Hyatt Business card presents compelling offerings for small-business owners who frequently stay at Hyatt locations, especially if they can bridge the gap to higher status through spending. Conversely, infrequent Hyatt visitors or those desiring more benefits for lower spending might find better-suited options elsewhere.

Apply Now: World of Hyatt Business Credit Card

Related: Which hotel loyalty program is best for business travelers?