World of Hyatt Business
The welcome offer, the Hyatt credit, the top-three spending categories, the path to Hyatt status, the insurance, and whether the $199 fee pays for itself.
Points Atelier may earn from partner links. Ratings never depend on it.
Business hotel cards · Chase
Welcome offer
70,000 points
Annual fee
$199
70,000 bonus points after $7,000 in purchases in the first 3 months. Not available to current cardholders of this card or anyone who received its bonus in the past 24 months.
Employee cards: No feeForeign transaction fees: NoneRewards: World of Hyatt points
The Atelier Take
Unlike the personal card there is no annual free night; the value comes from 2x where the business spends most and a $100 Hyatt credit.
Who it suits
Businesses that spend heavily in a few categories such as advertising, shipping or dining, and owners who stay at Hyatt a few times a year. Heavy spenders also gain a 10% points rebate after $50,000 a year.
Who should skip it
Anyone who wants an annual free night: the $95 personal World of Hyatt card includes one, and this card does not.
Every credit, and the catch
There is no annual free night; the yearly value is one Hyatt credit and rewards tied to spending.
Hyatt credit
Up to $100 a year
$50 back on each of two Hyatt purchases of $50 or more.
10% points rebate
10% back on up to 200,000 points
Only after $50,000 of purchases in a calendar year, on stays and other Hyatt redemptions completed after that; transfers to airlines are excluded.
DashPass and DoorDash promo
DashPass for a year + $10 off each quarter
The $10 is for non-restaurant orders; DashPass renews at the monthly rate after the free year unless canceled.
What it earns
Rewards: World of Hyatt points, which don’t expire while the card is open.
9x
Hyatt hotels
4x from the card plus up to 5x as a World of Hyatt member
2x
Top three spending categories each quarter
Chosen from dining, shipping, airline tickets bought from the airline, local transit and commuting, social media and search advertising, car rentals, gas stations, and internet, cable and phone
2x
Fitness clubs and gym memberships
1x
Everything else
TPG values Hyatt points at 1.65¢ each, higher than any other hotel currency, so 2x returns about 3.3¢ per dollar. Chase works out the top three categories at the end of each calendar quarter; the other eligible categories earn 1x.
Status and business benefits
Discoverist status
For as long as the card is open.
Discoverist for employees
Five Discoverist upgrades to gift to employees after account opening.
Tier-qualifying night credits
5 for every $10,000 spent in a calendar year, with no limit.
10% points rebate
After $50,000 of spending in a calendar year, 10% of points redeemed come back for the rest of that year, on up to 200,000 points.
Hyatt Leverage
Complimentary membership in Hyatt’s small business program, with up to 15% off standard rates at participating hotels.
Will the $199 fee pay off?
Enter what would go on this card. The result values points at TPG’s valuation, adds the credits that would actually be used and, in year one, the welcome offer, then sets the total against a no-fee card that pays 2% back on everything.
1 · Spending on this card
Example figures are filled in; replace them with real ones.
AdvertisingSocial media and search engines
2x
Shipping
2x
Internet, cable and phone
2x
Office supplies
1x
Software and cloud services
1x
Airline tickets bought from the airline
2x
Hyatt hotelsCard points only; member points come with any card and are left out
4x
Other hotels
1x
Dining
2x
Gas stations
2x
Local transit and commuting
2x
Car rentals
2x
Fitness clubs and gyms
2x
Everything else
1x
2 · Credits that would be used
Tick only what would be used anyway, at full value.
3 · Assumptions
The result
The top three categories are worked out from the yearly totals here; Chase picks them each quarter. Not counted: the 10% points rebate after $50,000 a year, Discoverist status, night credits, Hyatt Leverage rates and the DashPass benefits.
Insurance and protections
Chase lists these on the card’s page; the car rental cover is primary for business rentals. Pay for the trip or purchase with the card to be covered.
Auto rental coverage
Primary when renting for business purposes: up to $60,000 for theft and collision damage on most rentals with an MSRP up to $125,000, when the rental company’s cover is declined.
Trip cancellation and interruption
Up to $1,500 per traveler and $6,000 per trip for prepaid, non-refundable fares.
Purchase protection
Damage or theft within 120 days of purchase, up to $10,000 per item.
Extended warranty
Adds one year to U.S. manufacturer warranties of three years or less.
Travel and emergency assistance
Legal and medical referrals while traveling; the cost of any services used is the cardholder’s.
Pros and cons
Pros
- 2x where the business spends most, picked automatically each quarter
- Hyatt points are worth more than other hotel points
- $100 Hyatt credit a year
- Primary car rental cover for business rentals
Cons
- No annual free night
- $7,000 of spending needed for the welcome offer
- Office supplies and software earn 1x
- The 10% rebate needs $50,000 of spending a year
Card terms change often and some offers are personalized; the issuer’s page is the final word.