World of Hyatt Business Credit Card Review

CardName REWARDS

If you frequently travel for business and Hyatt is your preferred hotel choice, the new CardName is a worthy contender in the world of business credit cards.

For starters, it has a generous sign-up bonus which gets membership started off on the right foot. New cardholders can earn 60,000 points once spending $5,000 within the first three months of opening an account. That’s enough points to book multiple nights in at a Category Three hotel, depending on travel dates, location and room selection. Right away you're benefitting from the card. Reward nights start at $5,000 points so there's plenty of opportunity to put those rewards to use.

On an ongoing basis, cardholders earn:

• 9X points on Hyatt stays
• 2X points on fitness club and gym memberships
• 1X point on all other purchases

Additionally, you can earn 2X points in your top three spending categories each quarter through Dec. 31, 2024. Eligible categories include:

• Airline tickets (direct purchase with the airline required)
• Gas stations
• Car rental agencies
• Local transit and commuting
• Internet, cable and phone services
• Social media and search engine advertising
• Shipping
• Dining

In addition to a strong rewards program, CardName holders can look forward to a plethora of valuable travel perks, including:

• Up to $100 in Hyatt statement credits: You can earn a $50 statement credit per qualifying Hyatt purchase with your card up to two times each anniversary year. Qualifying Hyatt purchases are single transactions of $50 or more made at Hyatt hotels and resorts (including at participating restaurants and participating locations that are owned, managed, franchised or licensed by Hyatt Corporation or its subsidiaries or affiliates).
• 10% bonus point redemption: After spending $50,000 in a calendar year you can get 10% of your redeemed points back for the rest of the year.
• Hyatt leverage program: Enjoy exclusive member discounts of up to 15% off of standard Hyatt hotel rates.
• Trip cancellation and interruption insurance: Allows you to be reimbursed up to $6,000 per trip for “pre-paid and non-refundable passenger fares” if your trip gets canceled or is cut short as a result of sickness, bad weather or other covered scenarios.
• Travel and emergency assistance services: Can connect you with legal and medical help if you encounter an emergency while traveling.
• No foreign transaction fees: Helps you save money while traveling internationally.

FEATURED CARD

 

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• Earn a $250 statement credit after you spend $3,000 in purchases on your new Card within the first 6 months.
• $0 intro annual fee for the first year, then $95.
• Buy Now, Pay Later: Enjoy $0 intro plan fees when you use Plan It® to split up large purchases into monthly installments. Pay $0 intro plan fees on plans created during the first 12 months from the date of account opening. Plans created after that will have a monthly plan fee up to 1.33% of each eligible purchase amount moved into a plan based on the plan duration, the APR that would otherwise apply to the purchase, and other factors.
• Low Intro APR: 0% on purchases and balance transfers for 12 months from the date of account opening. After that, your APR will be a variable APR of 19.24% - 29.99%. Variable APRs will not exceed 29.99%.
• 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%).
• 6% Cash Back on select U.S. streaming subscriptions.
• 3% Cash Back at U.S. gas stations.
• 3% Cash Back on transit (including taxis/rideshare, parking, tolls, trains, buses and more).
• 1% Cash Back on other purchases.
• Cash Back is received in the form of Reward Dollars that can be redeemed as a statement credit or at Amazon.com checkout.
• Get up to $120 in statement credits annually when you pay for an auto-renewing subscription to Equinox+ at equinoxplus.com with your Blue Cash Preferred® Card. That's $10 in statement credits each month. Enrollment required.
• Thinking about getting the Disney Bundle which can include Disney+, Hulu, and ESPN+? Your decision made easy with $7/month back in the form of a statement credit after you spend $9.99 or more each month on an eligible subscription (subject to auto renewal) with your Blue Cash Preferred® Card. Enrollment required.
• Terms Apply.

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Terms and Limitations Apply

Credit Needed:

Good, Excellent

HOW CAN YOU REDEEM CardName POINTS?

To redeem your CardName points, go to wordofhyatt.com and sign into your account. From there, you can redeem your points for:

• Free stays at Hyatt
• Meeting rooms or event at Hyatt
• A relaxing massage at the spa
• Dining
• Experiences
• Rental cars through Avis

In addition, you can convert your points to miles with certain airlines. However, this often isn't as good of deal as you'll likely get less miles in exchange for your points.

CardName ELITE STATUS

If you're working towards gaining a higher elite status with Hyatt, the CardName can help get you there. With the card you automatically gain Discoverist status — a lower tier elite status that otherwise requires 25,000 base points. This grants you access to exclusive benefits such as late check-out (2:00 PM), premium in-room internet, and waived resort fees. On top of that, you can get an extra 10% on qualifying Hyatt purchases.

For every 10,000 you spend in a calendar year you'll earn five tier qualifying night credits towards Explorist or Globalist status, where you'll have access to even more benefits. For example, if you reach Globalist status, you can check out even later at 4:00 PM and have access to suite upgrades, in addition to number of other valuable perks.

POTENTIAL DOWNSIDES OF THE CardName

For a lot of folks, the main drawback of the card could be its AnnualFees annual fee. If you don’t travel a lot, it could be difficult to offset this expense. In addition, only receiving one point for purchases in non-bonus spending categories could be an issue if you prefer flat bonus rates (such as 1.5 points for every purchase made).

Also, there are limited redemption options. This is understandable since it’s tied to the Hyatt brand; however, if you prefer a wide selection of redemption options (think cash back, gift cards and a variety of hotels), this card is likely not a good fit.

How the CardName CARDHOLDER SCORES

CardRatings conducts a survey annually to learn what actual cardholders think of their cards. Here are the results:

*Scores above reflect the results of surveys with actual cardholders. Full methodology below.

HOW DOES THE CardName COMPARE TO OTHER BUSINESS CREDIT CARDS?

CardName vs. CardName

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Similar to the CardName, the CardName card comes with a hefty sign-up bonus — 100,000 bonus points. However, you have to spend $8,000 in three months to earn it. The bonus is worth $1,000 when redeemed for cash back and $1,250 when redeemed for travel through the Chase’s Ultimate Rewards; additionally, you can transfer Ultimate Rewards points to Hyatt (and numerous other hotel and airline partners) on a 1:1 basis and potentially make that bonus go even further. Unlike the CardName, you can redeem your points for flights, travel and a variety of hotels.

With the CardName you earn three points per dollar on the first $150,000 spent in combined purchases on travel, shipping purchases, Internet, cable and phone services, advertising purchases made with social media sites and search engines each account anniversary year. You earn one point for every dollar spent on other purchases.

CardName, like the Hyatt card, comes with no foreign transaction fees, trip cancellation and trip interruption insurance and travel and and emergency assistance services.

The CardName has an annual fee of AnnualFees.

CardName vs. CardName

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CardName has a welcome offer that allows new cardholders to earn a $250 statement credit after you make $3,000 in purchases on your card in your first three months. American Express is a CardRatings advertiser.

Unlike the CardName, CardName only offers one option for earning rewards: cash back. It offers 2% cash back on all purchases (up to $50,000) per calendar year. Afterward, you receive 1% cash back on all purchases.

The also card has a 0% intro APR on purchases for 12 months; afterward a variable APR between RegAPR kicks in. This can help you save money on interest and better manage cash flow for your business.

CardName vs. CardName

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CardName has a decent welcome offer. You can earn 70,000 membership rewards points after spending $10,000 within the first three months. 4x Membership Rewards points on the two categories where your business spends the most (each billing cycle) from six eligible categories. While your top two categories may change, you will earn 4x points on the first $150,000 in combined purchases from these categories each calendar year (then 1x thereafter). Only the top two categories each billing cycle will count towards the $150,000 cap. Additionally, earn 3x Membership Rewards points on flights and prepaid hotels booked on amextravel.com using your Business Gold card.

Membership reward points can be redeemed for travel, gift certificates, Amazon purchases through Shop With Points or transferred to an eligible frequent flyer program.

Compared with the CardName, it has a higher annual fee of AnnualFees.

IS THE CardName A GOOD CARD?

The CardName is a good card if you travel a lot and enjoy staying at Hyatt hotels and resorts. It comes with several wonderful benefits and perks that can offset the annual fee such as rewards, discounts and statement credits.

However, if you’re someone who doesn’t travel often, you may benefit more from getting a business credit card without an annual fee, such as the CardName.

Survey Methodology: CardRatings commissioned Op4G in September 2023 to conduct surveys among 1,869 cardholders nationwide. CardRatings website analytics from Jan. 1, 2023-Aug. 31, 2023 were used to determine a selection of the most popular cards and additional cards were included to add survey breadth. Responses to each of nine questions were given on a scale of 1-10 and respondents' scores were then averaged under broad topics. To determine the overall score, responses from questions 1-8 were summed and the answer to "How likely are you to recommend this card to a friend, coworker or family member?" was double weighted. “Current Scores” reflect scores from the most recent survey (2023); "Past Scores" reflect scores from the 2022 survey.

CardName (See Rates and Fees); CardName (See Rates and Fees)