Since its introduction in 2018, the World of Hyatt Credit Card has been highly regarded as one of the best hotel credit cards available. With a range of benefits that cater to both frequent and casual travelers, it has become a popular choice for many. So, when Hyatt announced the World of Hyatt Business Credit Card, it sparked curiosity about how it would compare to its personal counterpart. While there are obvious differences between the two, such as one being a personal product and the other a business product, there are significant variations that make having both cards a viable option for some individuals.
Let’s take a closer look at the World of Hyatt Credit Card and the World of Hyatt Business Credit Card, and whether it makes sense to add either (or both) to your wallet.
Comparison of the World of Hyatt Credit Card and World of Hyatt Business Credit Card:
1. Sign-up Bonus:
– World of Hyatt Credit Card: Earn up to 65,000 points, including 35,000 bonus points after spending $3,000 on purchases within the first three months from account opening, and up to 30,000 more bonus points by earning 2 points per dollar on purchases that normally earn just 1 point per dollar on up to $15,000 in purchases in the first six months from account opening.
– World of Hyatt Business Credit Card: Earn up to 75,000 bonus points, including 60,000 points after spending $5,000 within the first three months from account opening, and 15,000 points after spending $12,000 in the first six months from account opening.
Winner: The World of Hyatt Business Credit Card has a higher sign-up bonus but also comes with a higher annual fee.
2. Annual Fee:
– World of Hyatt Credit Card: $95
– World of Hyatt Business Credit Card: $199
Winner: Depends on individual preferences, as the personal version has a lower annual fee, while the business version offers additional benefits.
3. Earning Rates:
– World of Hyatt Credit Card: 4 points per dollar spent at participating Hyatt hotels, 2 points per dollar spent on local transit and commuting, restaurants, airline tickets purchased directly, and fitness club and gym memberships, and 1 point per dollar on all other purchases.
– World of Hyatt Business Credit Card: 4 points per dollar spent at participating Hyatt hotels, 2 points per dollar spent at fitness clubs and for gym memberships, and 1 point per dollar on all other purchases. Additionally, the business card offers 2 points per dollar on the top three of eight spending categories each calendar quarter through Dec. 31, 2024, and the top two of eight spending categories in 2025 and beyond (with no limit).
Winner: Both cards offer similar earning rates, but the business card has additional bonus categories that can be advantageous for business expenses.
4. Other Benefits:
– Both cards offer automatic entry-level Discoverist elite status, with perks such as late checkout, daily water bottles, and upgrades to preferred rooms within the same category.
– The World of Hyatt Credit Card provides an annual free night certificate at a Category 1-4 Hyatt property every account anniversary, as well as a second free night certificate by spending $15,000 during the calendar year. It also offers qualifying elite nights through card spending and 10% of redeemed points back for the remainder of the calendar year (up to 20,000 points back per year).
– The World of Hyatt Business Credit Card allows for gifting up to five Discoverist statuses to others, offers no fee for employee business cards (which do not confer status), and provides 10% of redeemed points back for the remainder of the calendar year (up to 20,000 points per year). Additionally, it offers up to $100 in Hyatt credit each anniversary year when spending $50 or more at any Hyatt property.
Winner: It depends on individual preferences and whether you value the personal card’s free night(s) or the business card’s benefits that can be utilized by multiple people.
In conclusion, both the World of Hyatt Credit Card and the World of Hyatt Business Credit Card have their own unique advantages. The personal card offers a lower annual fee and the coveted annual free night certificate, while the business card provides benefits that cater to the primary cardholder and potential employees. Depending on your travel and spending habits, it may make sense to have both cards in order to maximize the benefits and reach higher thresholds of elite status without hotel stays. Ultimately, it’s important to assess your individual needs and preferences to determine which card(s) would be the best fit for you.