Chase and World of Hyatt recently launched a hotel rewards card designed for small business owners who travel on a regular basis. Along with a valuable sign-up bonus, the new World of Hyatt Business Credit Card offers an accelerated rewards rate in popular travel and business-related earning categories, such as hotel stays, shipping and internet services, which can be used to help offset the cost of future travel.

The World of Hyatt Business Credit Card also comes with a variety of hotel benefits, including automatic elite status, special discounts on hotel stays and annual Hyatt credits.

The World of Hyatt Business Credit Card does charge an annual fee of $199, but the value you can get from the card’s rewards and benefits could easily cancel that amount out each year.

We highlight the pros and cons of the World of Hyatt Business Credit Card, and show how it compares to similar business credit cards to help you determine if it’s the right fit for you.

• Rewards rate

  Cardholders earn 9x points total for Hyatt stays and experiences. 4 Bonus Points per $1 spent with your card at Hyatt hotels, participating Small Luxury Hotels of the World, participating Exhale locations, and eligible Lindblad Expeditions. Plus, 5 Base points from Hyatt per eligible $1 spent just for being a World of Hyatt member. 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/22, then your top two categories each quarter. See terms for details.

  Rewards — which don’t expire as long as your account remains open— can be redeemed for hotel stays, upgrades, experiences, car rentals and more.

• Sign-up bonus

  With the World of Hyatt Business Credit Card, earn 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.

  To give you some context as to the value of the bonus, you can get three free nights at the Grand Hyatt Baha Mar in the Bahamas starting at 60,000 points, or five free nights at the New York-New York Hotel and Casino in Las Vegas starting at 75,000 points.

• World of Hyatt Discoverist status

  World of Hyatt Business Credit Card holders automatically receive World of Hyatt Discoverist status, which typically requires 10 tier-qualifying nights or 25,000 base points in a year to qualify for. (Note, Hyatt has reduced these qualifying amounts by 50% for 2021 to 5 tier-qualifying night or 12,500 base points.)

  Discoverist status includes a 10% points bonus on paid stays, elite check-in, 2 p.m. checkout (when available), member rates, resort fees waived on free night awards, premium internet, bottled water and an American Airlines AAdvantage bonus. Plus, for every $10,000 you spend in a calendar year, earn five tier qualifying night credits toward Explorist or Globalist status and Milestone Rewards.

  Cardholders can also gift Discoverist status to up to five company employees.

• Annual fee

  The World of Hyatt Business Credit Card charges an annual fee of $199. However, the value you can get from the card’s benefits could more than make up for that amount each year.

• No intro APR on purchases

  The World of Hyatt Business Credit Card does not offer an interest-free promotional period on purchases. Therefore, if you need to finance business travel or a large company expense and pay it off over time, know that you will be subject to interest charges at an APR of 17.49% - 24.49% variable .

Compare it to the Ink Business Preferred^® Credit Card

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Ink Business Preferred^® Credit Card

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Ink Business Preferred^® Credit Card

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Intro Purchase APR N/A

Regular Purchase APR 17.49% - 22.49% Variable

Annual Fee $95

Rewards Rate Earn 3 points per $1 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. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.… Read More

Highlights

• Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That's $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®
• Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
• With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring
• With Zero Liability you won't be held responsible for unauthorized charges made with your card or account information
• Redeem points for cash back, gift cards, travel and more - your points don't expire as long as your account is open
• Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®
• Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account

Typical Credit Needed

750 850

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If you want to earn rewards on business and travel expenses, but you also don’t want to be tied to one particular hotel brand, the Ink Business Preferred^® Credit Card may be a better fit.

The card lets members earn 3 points per $1 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. Earn 1 point per $1 on all other purchases—with no limit to the amount you can earn.

Plus, earn 100,000 bonus points after you spend $15,000 on purchases in the first 3 months from account opening.

If you redeem your points for hotel stays, airfare, car rentals, activities or cruises through Chase Ultimate Rewards, they are valued at 1.25 cents each — making the sign-up bonus worth $1,250 in travel. Points are valued at 1 cent each when redeemed for cash or gift cards.

Points can also be transferred to a number of hotel and airline transfer partners — including World of Hyatt — at a rate of 1 to 1. Other transfer partners include Marriott Bonvoy, IHG® Rewards Club, Aer Lingus AerClub, Aeroplan Air Canada, British Airways Executive Club, Emirates Skywards®, Flying Blue Air France KLM, Iberia Plus, JetBlue TrueBlue, Singapore Airlines KrisFlyer, Southwest Airlines Rapid Rewards®, United MileagePlus® and Virgin Atlantic Flying Club.

While the Ink Business Preferred^® Credit Card doesn’t provide hotel-specific perks like the World of Hyatt Business Credit Card, it does offer several travel and purchase benefits, including trip cancellation/trip interruption insuance, roadside dispatch, auto rental collision damage waiver, cell phone protection, purchase protection and extended warranty protection.

The card charges a $95 annual fee and $0 in foreign transaction fees.

If you’re a World of Hyatt loyalist who plans to take advantage of the card benefits, the World of Hyatt Business Credit Card provides a great opportunity to earn valuable rewards to use toward future business travel.

But if you don’t want to be tied to the World of Hyatt hotel brand, the Ink Business Preferred^® Credit Card could be a better fit. Along with offering a generous sign-up bonus and rewards rate on travel and business purchases, the card provides flexible redemption options and a variety of travel transfer partners — at a significantly lower annual fee than the World of Hyatt Business Credit Card.

To see rates & fees for The Hilton Honors American Express Business Card please click here.