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On October 6, 2021, Chase and Hyatt launched a brand new Chase World of Hyatt Business Credit Card. After a closer look at this new business credit card’s benefits, there are quite a few benefits that are not exactly the same as the consumer version of the Hyatt credit card.
Nonetheless, both cards have a good sign-up bonus and offer good hotel perks that are worth going over their differences. Then I’ll make an honest recommendation based on those differences.
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| Photo: Hyatt Regency Waikiki Beach |
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Card Type
The most obvious difference between the personal and business World of Hyatt credit cards is the card type.
- Chase World of Hyatt Credit Card is a vanilla Visa card.
- Chase World of Hyatt Business Credit Card is a Visa Signature card.
Annual Fee
- Chase World of Hyatt Credit Card has a $95 annual fee and offers an anniversary Hyatt Free Night Award each year to justify the annual fee.
- Chase World of Hyatt Business Credit Card has a $199 annual fee.
- While it does not offer the anniversary free night, it offers $100 Hyatt stay credits. When you spend $50 at any worldwide Hyatt property, you can receive a $50 statement credit up to two times per card anniversary year.
Anniversary Hyatt Free Night Award
The most popular benefit of the consumer version of the Chase World of Hyatt Credit Card is the ability to earn an anniversary Hyatt Free Night Award that’s valid for redemption at any Category 1-4 Hyatt property in the world. Also, if you spend $15,000 on the card each calendar year from January to the end of December, you will also receive an extra Hyatt Free Night Award.
The Chase World of Hyatt Business Credit Card, on the other hand, does not offer the anniversary Hyatt Free Night Award or an ability to spend to earn a free night award benefits, but you receive $100 Hyatt stay statement credits instead. See below.
$100 Hyatt Stay Credits
- When you spend $50 or more at any Hyatt property with your Chase World of Hyatt Business Credit Card, you will receive $50 statement credits up to two times per account anniversary year.
- The Chase World of Hyatt Credit Card does not have this benefit.
Complimentary Discoverist Status & Gifting Discoverist Status
Both Hyatt credit cards offer automatic complimentary Discoverist elite status. Hyatt Discoverist gives you the following benefits:
- Preferred room within type booked
- 10% Bonus Points when choosing to earn points on eligible spend at Hyatt
- Premium in-room internet
- 2 P.M. late check-out upon request where available
It’s worth mentioning too that Chase World of Hyatt Business Credit Card allows the primary business card member to gift up to five (5) Discoverist statuses to employees. You add each employee to the card as an authorized user with no extra cost. The authorized user’s card also does not have an annual fee.
Tier-Qualifying Elite Nights
- Chase World of Hyatt Credit Card offers automatic complimentary five (5) tier-qualifying night credits toward next tier status every year without any spending. Moreover, you can also earn two (2) additional tier-qualifying night credits every time you spend $5,000 on your card.
- Chase World of Hyatt Business Credit Card does not offer complimentary tier-qualifying night credits. However, you can earn five (5) tier-qualifying night credits when you spend $10,000 each time on the card in a calendar year (January-December).
If you have both credit cards, it really makes things easier to earn Hyatt’s top-tier Globalist status. This is especially true for those that have big spending each year.
10% Redemption Bonus Points Rebate
- After spending $50,000 in a calendar year on the Chase World of Hyatt Business Credit Card, you will receive a 10% of redeemed points back as bonus points for the remainder of the calendar year. The maximum of points rebate you can receive in a calendar year is 20,000 bonus points.
- The personal Chase World of Hyatt Credit Card does not have this benefit.
World of Hyatt Credit Cards Comparison
Card Benefits |
Chase World of Hyatt Credit Card |
Chase World of Hyatt Business Credit Card |
| Best Sign-Up Bonus | ||
| Card Type | Visa | Visa Signature |
| Annual Fee | $95 | $199 |
| Anniversary Hyatt Free Night Cat 1-4 Award Without Spending | Yes | No |
| Anniversary Hyatt Free Night Cat 1-4 Award Based on Spending | Yes, after $15,000 | No |
| Anniversary $100 Hyatt Statment Credits | No | Yes |
| Automatic Complimentary Discoverist Status | Yes | Yes |
| Tier-Qualifying Elite Nights Without Spending Every Year | Yes, complimentary 5 elite nights | No |
| Tier-Qualifying Elite Nights Based on Spending | Yes, 2 elite nights for every $5,000 spent | Yes, 5 elite nights for every $10,000 spent |
| Annual 10% Redemption Bonus Points Rebate | No | Yes, after $50,000 spent. Up to 20,000 bonus points per calendar year (Jan-Dec) |
Analysis & Recommendation: Which Hyatt Credit Card Is Best?
The World of Hyatt program is one of my favorite hotel reward programs out there because it requires much fewer points for redemptions compared to MARRIOTT and HILTON.
If you do not have a Chase World of Hyatt Credit Card, you really should consider getting this over the business card version.
- Signup bonus:
- Aside from the sign-up bonus, the card earns up to 9x bonus points per $1 spent at Hyatt properties.
- The card gives you automatic Discoverist status for bonus points earning for every eligible Hyatt stays.
- An anniversary Hyatt Free Night Award when the annual fee of $95 is due. Although the free night award is only valid at a Category 1-4 Hyatt property worldwide, I’m pretty confident that you will find amazing use of that free night that’s worth so much more than the card’s $95 annual fee.
Chase World of Hyatt Business Credit Card, on the other hand, also offers a few perks that are worth considering:
- Signup bonus:
- Aside from the sign-up bonus, the card also earns up to 9x bonus points per $1 spent at Hyatt properties.
- The card also gives you automatic Discoverist status for bonus points earning for every eligible Hyatt stays.
- There’s an annual fee of $199, but you receive $50 statement credit up to two times when you spend $50 or more at any Hyatt property per account anniversary year. That $100 face value potentially lowers the card’s annual fee to just $99. Unfortunately, this card does not offer the anniversary Hyatt Free Night Award. Otherwise, this Hyatt business credit card is an easy decision!
- If you spend a lot in a year, you can easily earn Hyatt’s top-tier elite status because you receive 5 tier-qualifying elite nights when you spend $10,000 each time per calendar year.
- In addition, after you spend $50,000 on the card, you also receive a 10% of redeemed points back up to 20,000 bonus points per calendar year. But that is a lot of spending!
- The ability to gift up to five (5) Discoverist statuses to Authorized Users on the card is definitely different.
In my honest opinion, the Chase World of Hyatt Credit Card and the Chase World of Hyatt Business Credit Card are very different in terms of benefits. With that being said, I feel that each card compliments one another.
You are allowed to have both cards at the same time and earn the eligible sign-up bonus on each card. It all comes down to whether or not you are eligible to apply for a business credit card, but getting a business credit card is easier than you think though.
By holding both credit cards, it will also make things easier to earn Hyatt’s top-tier Globalist elite status every year. I think that would be the most convincing for me personally to consider picking up the Chase World of Hyatt Business Credit Card and especially when the World of Hyatt program is my most favorite program for free night’s redemption. The only downside of this is there will be a lot of spending that I could put on other credit cards to earn their sign-up bonus instead.
