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World of Hyatt Business Credit Card Review: Rewards & Perks

For business owners, finding the right credit card to maximize rewards on business spending is crucial. The World of Hyatt Business Credit Card offers a compelling suite of bonuses, benefits, and perks for those who frequently travel and stay at Hyatt Hotels. This review deeply delves into everything this card offers—from bonus points to travel protection—and how it can benefit you as a business owner.

Overview of World of Hyatt Business Credit Card

The Hyatt Business Credit Card provides a unique opportunity for business owners to earn significant Hyatt Hotels Points on eligible purchases. The card offers a bonus points program, excellent business credit card benefits, and Hyatt Loyalty Program access. By using this card for business expenses, owners can earn Hyatt points and access Hyatt Discoverist Status, which offers numerous perks, including room upgrades and early check-ins.

Related: Can I Use My Business Credit Card for Personal Use? Is it Legal/Illegal

Let’s explore what makes this credit card a top contender for small business owners.

Card Highlights of the World of Hyatt Business Credit Card

• Earn 4 points per dollar on purchases at Hyatt Hotels and Resorts.
• 2 points per dollar on the top 3 spending categories, like dining, shipping, and travel.
• 1 point per dollar on all other purchases.
• Earn 60,000 bonus points after spending $5,000 in the first 3 months.
• Get a Free Night at any Category 1-4 Hyatt hotel after spending $15,000 in the first 6 months.
• Automatic enrollment in Hyatt Discoverist Status for premium benefits like room upgrades.
• Receive 5 Tier-Qualifying Night Credits for every $10,000 spent annually.
• There are no foreign transaction fees on international purchases.
• Purchase protection for eligible new purchases, covering damage or theft.
• Car rental insurance for collision damage and theft when renting a vehicle for business.
• Trip cancellation insurance to cover non-refundable passenger fares in case of trip interruptions.
• Access to Chase Pay Over Time for flexible payment options.
• The Hyatt Leverage Program offers up to 15% savings on Hyatt hotel stays for businesses.
• Travel assistance services for medical and legal referrals when traveling away from home.
• Extended warranty protection for eligible purchases.
• Earn Bonus Rewards on gas, dining, and shipping categories.

This card offers substantial rewards and benefits, especially for those who frequently travel and stay at Hyatt properties.

Rates and Fees of the World of Hyatt Business Credit Card

• Annual Fee: $199 for the World of Hyatt Business Credit Card.
• APR (Annual Percentage Rate): 19.99% to 28.49% variable APR for purchases and cash advances.
• Foreign Transaction Fees: None. Enjoy international purchases without extra charges.
• Late Payment Fee: Up to $40 for late payments.
• Returned Payment Fee: Up to $40 for returned payments.
• Cash Advance Fee: Either $10 or 5% of the amount of each cash advance, whichever is higher.
• Cash Equivalent Fee: 5% of the transaction amount or $10, whichever is higher.
• Balance Transfer Fee: 5% of the amount transferred or $5, whichever is higher.
• Introductory APR: No introductory APR offer is available.
• Additional Card Fee: No fee for employee cards.
• Credit Limit: Determined based on your creditworthiness, account behavior, and spending history.

See Full Rates and Fee

Reward Points and How They Work

One of the most attractive features of the Hyatt Business Credit Card is the Hyatt Card Rewards Program. This program allows cardholders to earn rewards on everyday business expenses, making it a valuable tool for businesses of all sizes. Here’s a breakdown of how you can earn business credit card points.

1. Bonus Points on Hyatt Purchases

• 4 points per dollar spent on qualifying purchases at Hyatt Hotels.
• Up to 5 base points per dollar for being a World of Hyatt member.

This means you earn both Bonus Points, Hyatt Card, and Base Points for every purchase at Hyatt Hotels. For example, if you spend $100 at a Hyatt property, you’ll earn 9 points: 4 from the card and five as a World of Hyatt member.

2. Bonus Points for Other Categories

The Hyatt Business Credit Card also provides valuable rewards for business purchases in other categories. These include:

• 2 points per dollar spent on your top three spending categories each quarter. Eligible categories include dining, shipping, airline tickets, and more.
• 1 point per dollar spent on all other purchases.

These categories are designed to maximize rewards where business owners spend the most, allowing you to easily earn reward points for business expenses.

Milestone Rewards and Tier-Qualifying Night Credits

With the Hyatt Business Credit Card, you can earn 5 Tier-Qualifying night credits for every $10,000 spent annually toward your Hyatt elite status. This helps you advance through the Hyatt Loyalty Program more quickly, allowing you to enjoy free nights, room upgrades, and more perks.

1. Hyatt Leverage Program

Business owners can also use the Hyatt Leverage Program, discounts standard room rates at participating properties. Depending on your company’s travel needs, you can save up to 15% on Hyatt Hotel Discounts worldwide, making this card an excellent option for businesses that frequently book hotel stays for employees or clients.

2. Travel Benefits and Coverage

The Hyatt Business Credit Card is not just about earning rewards—it also offers a range of travel-related benefits that make it an appealing option for frequent business travelers. Here are some of the key travel perks with business credit cards:

• Purchase Protection: As a cardholder, you’re covered with purchase protection for eligible new purchases made with your card. This protection covers damage or theft within 120 days from the date of purchase, up to $10,000 per item. It’s an essential benefit for business owners who purchase supplies, equipment, or inventory.
• Auto Rental Coverage: If you rent a car for business purposes, you can decline the rental company’s collision insurance and use your Hyatt Business Credit Card for primary coverage. This coverage includes theft and collision damage reimbursement for vehicles valued up to $125,000. It’s an excellent way to save money on car rental insurance while on business trips.
• Trip Cancellation Insurance: If your trip is interrupted or canceled due to unforeseen circumstances such as illness or severe weather, the Hyatt Business Credit Card provides trip cancellation and interruption insurance. You can be reimbursed up to $1,500 per covered traveler and $6,000 per trip for non-refundable passenger fares.
• Travel Assistance: The card also provides travel assistance services, including medical and legal referrals, in case of emergencies while traveling away from home. This benefit can provide peace of mind, especially when traveling internationally or in unfamiliar areas.

How to Earn Bonus Points with Hyatt Business Credit Card?

To earn 60,000 bonus points with the card, you must meet the spending requirements of $5,000 in the first three months. Additionally, you can earn one free night at any Hyatt Hotel after spending $15,000 in the first 6 months. This is an excellent way to kickstart your Hyatt Card Rewards.

Business Credit Card Benefits for Small Businesses

When looking for a business credit card, it’s essential to understand the business card benefits that come with it. The World of Hyatt Business Credit Card doesn’t disappoint in this area, providing various rewards and services tailored to businesses.

1. Free Night at Hyatt Hotels:

One of the most appealing perks is the Free Night at Hyatt. After meeting the minimum spending requirements, you’ll earn a free night at a Category 1-4 Hyatt hotel. This can be a valuable perk for business travelers who want to take a break and enjoy a relaxing stay at one of Hyatt’s properties. Whether for personal travel or an extended business trip, this free hotel night adds immense value to the card.

2. Hyatt Discoverist Status:

Another highlight of the Hyatt Credit Card Benefits is the automatic enrollment in Hyatt Discoverist Status for as long as the card remains open. This status provides numerous benefits when staying at Hyatt Hotels, including:

• Room upgrades when available.
• Early check-in and late check-out privileges.
• 5% bonus points on eligible purchases at Hyatt properties.

Comparison of World of Hyatt Business Card with other Bussiness Credit Cards

Choosing the right business credit card can be tricky, especially when so many great options are available. To make the decision easier, here is a detailed comparison of the World of Hyatt Business Credit Card, IHG One Rewards Premier Business Credit Card, United Club Business Card, and Southwest Rapid Rewards Premier Business Credit Card. Each card has its unique features, rewards, and benefits. Here’s a side-by-side breakdown to help you decide which suits your business needs.

Comparison of World of Hyatt Business vs. IHG One Rewards Premier Business vs. United Club Business vs. Southwest Rapid Rewards Premier Business

Comparison Analysis

1. World of Hyatt Business Credit Card: This card offers a strong points program focusing on Hyatt hotels, making it perfect for loyal brand supporters. The annual fee is $199, but you get a free night after meeting the spending requirement.

2. IHG One Rewards Premier Business Card: Great for IHG hotel guests, offering a massive bonus of 140,000 points. Its annual fee is lower than Hyatt’s at $99, and you can earn up to 26 points for stays at IHG hotels.
3. United Club Business Card: This card is best for United Airlines travelers. It offers luxury benefits like access to United Clubs and two free checked bags. However, its $450 annual fee is steep.
4. Southwest Rapid Rewards Premier Business Credit Card: Ideal for Southwest flyers, with the bonus points offered upon meeting the spending threshold and 3x points on Southwest purchases. The annual fee of $99 is reasonable for what you get.

Which Card is Worth Buying?

If you frequently stay at Hyatt Hotels, the World of Hyatt Business Credit Card offers great value with Hyatt-specific perks and free night rewards. However, if you prefer IHG properties, the IHG One Rewards Premier Business Card provides a massive bonus and excellent earning rates. The United Club Business Card provides VIP treatment for United Airlines fans but comes with a high annual fee. Meanwhile, Southwest Rapid Rewards Premier is an excellent choice for Southwest travelers, offering a more affordable yearly fee with solid rewards.

Why You Might Consider a Different Credit Card Than the World of Hyatt Business Credit Card?

While the World of Hyatt Business Credit Card offers fantastic rewards for loyalists, it may not be ideal if your business doesn’t spend frequently at Hyatt hotels. With an annual fee of $199, the benefits may not justify the cost unless you consistently accumulate Hyatt points.

If you travel frequently but prefer staying at other hotel chains or using a broader rewards program, a card with flexible points better suits your needs. Additionally, some credit cards offer higher earning rates on everyday business purchases such as gas, dining, and shipping—categories that are crucial for many business owners.

Best Alternatives to the World of Hyatt Business Credit Card

1. Chase Ink Business Preferred Credit Card: Best for businesses with diverse spending categories. Earn 3x points on the first $150,000 spent on travel, advertising, internet, and other business expenses.

• Annual Fee: $95
• Bonus Offer: 100,000 points after spending $15,000 in the first 3 months.

2. American Express Business Gold Card: Ideal for businesses with high spending in specific categories, offering 4x points on the top two categories where you spend the most.

• Annual Fee: $295
• Bonus Offer: Earn 70,000 Membership Rewards points after spending $10,000 in the first 3 months.

3. Capital One Spark Cash for Business: This is a solid choice for business owners who prefer simple cash back. Earn unlimited 2% cash back on every purchase.

• Annual Fee: $95
• Bonus Offer: $500 cash bonus after spending $4,500 in the first 3 months.

4. Ink Business Unlimited Credit Card: Perfect for businesses looking for a straightforward rewards card. Earn unlimited 1.5% cash back on every purchase.

• Annual Fee: $0
• Bonus Offer: $750 cash bonus after spending $7,500 in the first 3 months.

5. American Express Business Platinum Card: It has a $695 annual fee but offers extensive travel benefits, such as airport lounge access and 5 points per dollar on flights.

It doesn’t provide the free night benefit or Hyatt membership rewards, making it less appealing for frequent guests.

These cards offer compelling rewards, lower annual fees, and broader flexibility than the World of Hyatt Business Credit Card, making them worthy alternatives for businesses with different needs.

How to Apply for the World of Hyatt Business Credit Card?

1. To apply, go to the official website.
2. Then choose “World of Hyatt Business Card” and click the “Apply Now” button.

 Frequently Asked Questions (FAQs)

Conclusion

In conclusion, the World of Hyatt Business Credit Card is an excellent choice for business owners who want to maximize their spending on travel, dining, and other business-related purchases. With generous rewards, elite status, and business spending rewards, it provides substantial value for anyone who frequently stays at Hyatt Hotels or spends money in related categories. Whether you want to earn bonus rewards or take advantage of travel insurance benefits, this card offers a well-rounded package for business owners and frequent travelers.