Link: Apply now for the World of Hyatt Business Card
Chase and Hyatt have the World of Hyatt Business Credit Card, which complements the World of Hyatt Credit Card (review), Hyatt’s personal credit card. In this post I wanted to provide a detailed review of the card.
In this post:
Hyatt Business Card Basics For June 2023
There’s a lot to understand about the World of Hyatt Business Card, as it’s totally different than the personal version of the card. There are many reasons to consider this card, from a huge welcome bonus, to valuable bonus categories, to the ability to spend your way toward Globalist status.
Bonus Of 60K World Of Hyatt Points
The World of Hyatt Business Card offers a bonus of 60,000 World of Hyatt points after spending $5,000 within the first three months. This is a great bonus — I value World of Hyatt points at 1.5 cents each, so to me, the bonus is worth $900.
When it comes to eligibility for the Hyatt Business Card bonus:
- You are eligible for the bonus on the business card if you already have the personal card
- Keep in mind Chase’s general application restriction rules, including the 5/24 rule
$199 Annual Fee
The World of Hyatt Business Card has a $199 annual fee, which is on the steep side. You can add employees as authorized users at no extra cost.
On the plus side, you should be able to recoup most of that annual fee with the card’s perks.
Hyatt Business Card Spending Bonus Categories
The World of Hyatt Business Card is the first Chase card to introduce an adaptive accelerator that rewards cardmembers based on the categories that they spend the most in each quarter. I wouldn’t be surprised to see this concept introduced on other Chase cards in the future as well.
The Hyatt Business Card offers the following return on spending, all with no foreign transaction fees:
- 4x World of Hyatt points for spending at Hyatt hotels
- 2x World of Hyatt points in your top three spending categories each quarter through December 31, 2023 (in 2024 and beyond, you’ll earn 2x points on your top two spending categories)
- 2x World of Hyatt points for fitness clubs and gym memberships
- 1x World of Hyatt points on all other purchases
For the adaptive accelerator, potential bonus categories include the following:
- Dining
- Airline tickets purchased directly with airlines
- Car rental agencies
- Local transit and commuting
- Gas stations
- Internet, cable, and phone services
- Social media and search engine advertising
- Shipping
With the adaptive accelerator, there’s no limit to how many bonus points you can earn, and you’ll automatically receive 2x points for the eligible categories where you spend the most — there’s no registration required, but rather at the end of the quarter you’ll automatically be rewarded.
Based on my valuation of 1.5 cents per World of Hyatt point, this means you’re earning the equivalent of 6% back at Hyatt properties, 3% back in the adaptive accelerate categories and on fitness clubs and gym memberships, and 1.5% back on all other purchases.
This doesn’t factor in the potential to earn World of Hyatt elite status with the card, which I’ll cover in more detail below.
Hyatt Business Card Perks & Benefits
The World of Hyatt Business Card offers some unique perks, but I’d argue that they’re not as compelling as on the personal version of the card. There’s no anniversary free night certificate, and there are no World of Hyatt elite nights just for having the card (without spending). What does the card offer?
$100 In Hyatt Credits Every Anniversary Year
The World of Hyatt Business Card offers up to $100 in Hyatt credits every anniversary year. Just spend $50 or more at any Hyatt property in the world with the card, and you’ll receive a $50 statement credit, up to two times each anniversary year.
This should more or less be worth face value to cardmembers, assuming you visit a Hyatt at least twice a year (and if you don’t, this card probably isn’t for you). The credit doesn’t have to be used toward the room rate, but rather can be applied to everything from parking, to spa treatments, to dining.
Discoverist Status For You & Five Employees
The World of Hyatt Business Card offers entry level Discoverist status for as long as you have the card. Not only that, but you can gift the status to up to five company employees (they don’t have to be authorized users on the card). That status ordinarily requires 10 elite nights or 25,000 base points in a year.
Discoverist status offers a 10% points bonus, premium internet, late check-out, preferred rooms, and more.
Earn World Of Hyatt Status With Spending
The World of Hyatt Business Card offers five elite qualifying nights for each $10,000 spent on the card in a calendar year. In other words, in the right increments, you’re earning one elite night for every $2,000 spent.
This is a better rate of earning elite nights than on the personal version of the card, though the business card doesn’t offer the five elite nights annually just for having the card, unlike the personal card. Earning elite nights through spending can be worth it whether you’re just trying to earn Globalist status, or want to get to the next Milestone Rewards threshold.
Also keep in mind that the current welcome bonus requires spending $5,000, so at that point you’re half way to earning five elite nights towards elite status — it’s probably worth trying to spend $10,000 before the end of the year.
Up To 10% Of Redeemed World Of Hyatt Points Back
When you spend $50,000 or more on the World of Hyatt Business Card in a calendar year, you’ll receive 10% of redeemed points back as bonus points for the remainder of the year:
- You only start getting the 10% back after you complete the $50,000 in spending, and the 10% back is only valid for the remainder of the calendar year
- You’re capped at getting 20,000 World of Hyatt points back this way, which sure is a low limit
Hyatt Leverage Small Business Program Membership
The primary cardmember can be enrolled in the Hyatt Leverage program, which is a small business program run by Hyatt. With a Hyatt Leverage membership, you can receive up to 15% off standard rates at participating Hyatt properties worldwide, and in some cases these savings may be bigger than you’d get directly.
With Hyatt Leverage, you can book online with a special code after you register. Now, in fairness, joining Hyatt Leverage is free for anyone with a legitimate business. However, technically it’s designed for businesses that stay at least 50 nights at Hyatts per year, and your membership can be discontinued if you don’t meet that threshold, on a case-by-case basis. If you have the Hyatt Business Card, you don’t need to meet that threshold.
My Take On The Hyatt Business Card
I’m about as much of a Hyatt loyalist as you’ll find, so what do I make of the World of Hyatt Business Card? If you ask me, the card definitely isn’t as lucrative as the World of Hyatt Credit Card. That being said, the card offers a generous welcome bonus and is the most lucrative card for earning Hyatt elite nights through spending.
Personally I applied for the card shortly after it opened to applicants, and was instantly approved. How do I view the long term value of this card? A few things stand out to me:
- The way I view it, this card really “costs” $99 per year to hold onto — that’s because I’d subtract the $100 annual Hyatt credit from the $199 annual fee, for mental accounting purposes
- While the adaptive bonus categories are a cool concept, the reality is that there are cards earning Chase Ultimate Rewards points that earn more points, and those points can be transferred 1:1 to World of Hyatt
- Unlike the personal version of the card, the business version of the card doesn’t offer rich perks just for having it without spending — the card does offer Discoverist status, but as someone who already has Globalist status, that’s not of any value to me
- The business version of the card does earn you elite nights at a faster rate than the personal card — with the former you can earn an elite night with as little as $2,000 in spending, while with the latter you can earn an elite night with as little as $2,500 in spending
- There are no opportunities to earn free night awards with this card, which is unusual for a hotel credit card
- I could potentially see merit to spending $50,000 on the card per year if the 10% back on points at least weren’t capped, but a cap of 20,000 points back that way is just low; however, some might find it worthwhile to spend $50,000 to earn elite nights, in which case the 10% of points back is the icing on the cake
So yeah, as a savvy consumer and Hyatt loyalist, I’m struggling with this card — I’m better off putting spending on a card earning Chase Ultimate Rewards points, or on my personal Hyatt card.
I suspect this card not being overly rewarding (especially without much spending) is probably an intentional play here:
- I’m guessing Chase and Hyatt might not want people to get this card if they don’t plan on spending a considerable amount on it
- At the end of the day the card is still quite well rounded for small businesses looking to earn Hyatt status, since you’ll earn elite nights at a pretty quick pace with this card
Bottom Line
The World of Hyatt Business Card is the co-branded Chase and Hyatt business card, and it complements the World of Hyatt Credit Card. The business card has a phenomenal welcome bonus, and can earn you 60,000 World of Hyatt points.
What do you make of the World of Hyatt Business Card?
World of Hyatt Business Card is a joke... False Advertisement. I Applied for this credit card few months ago, was charging company shipping and search engine ad on it. Just realized I was only getting 1 points per dollar spent on those 2 categories. According to their advertisement, I should be getting 3 points total considering the additional 2x points for the top 2-3 categories such as Shipping, say UPS, USPS, and google search advertisement...
World of Hyatt Business Card is a joke... False Advertisement. I Applied for this credit card few months ago, was charging company shipping and search engine ad on it. Just realized I was only getting 1 points per dollar spent on those 2 categories. According to their advertisement, I should be getting 3 points total considering the additional 2x points for the top 2-3 categories such as Shipping, say UPS, USPS, and google search advertisement shipping. Nope, it did not happen... FALSE ADVERTISEMENT.
Does office rent count as an accelertor catagory?
I spent $50k back in May, redeemed 54k points at a Hyatt in Sep, waited 8 weeks now 12 weeks have not seen 10% back yet. Called and texted both Hyatt and Chase repeatedly to hear they pointed finger at each other's false. I still have proofs of their responses in my secured messsage mailbox, plus saying something making no sense (kindna BS) already giving me 20k pts back in June!!. Not see any of...
I spent $50k back in May, redeemed 54k points at a Hyatt in Sep, waited 8 weeks now 12 weeks have not seen 10% back yet. Called and texted both Hyatt and Chase repeatedly to hear they pointed finger at each other's false. I still have proofs of their responses in my secured messsage mailbox, plus saying something making no sense (kindna BS) already giving me 20k pts back in June!!. Not see any of that and I just asked for 10% = 5400 pts for that one very stay I did with points on Hyatt back in Sep. So, I the customer got struck between rock and a hard place :-(. ...Hope their IT and mgt. team talked with each other and did the fool proof testing before rolling out the 10% benefit. ...sounds good but very poor execusion.
Thanks for the helpful post! How long does it take for the bonus points to post after you reach the spend requirement? Have a trip coming up in early December and would like to be able to use the Hyatt points to book hotels.
I am curious of what is considered shipping? I buy from staples quite often, is this shipping or only office supply. I know one of the bonus categories is shipping but i wasn't sure if that's ups or post office or does staples count as shipping since they also ship items.
@ Joe -- Here's how the shipping category is defined with Chase:
"Merchants in the shipping category specialize in mailing packages, hauling freight, and transporting goods or documents. Shipping merchants include couriers, postal and freight shipping companies, express shipping services and mailbox stores. Please note that purchases at some merchants will not qualify. Examples include merchants who sell a wide variety of general goods but also ship items, including office supply stores that also...
@ Joe -- Here's how the shipping category is defined with Chase:
"Merchants in the shipping category specialize in mailing packages, hauling freight, and transporting goods or documents. Shipping merchants include couriers, postal and freight shipping companies, express shipping services and mailbox stores. Please note that purchases at some merchants will not qualify. Examples include merchants who sell a wide variety of general goods but also ship items, including office supply stores that also mail packages. Also, purchases, or portions of purchases, that are not processed by the merchant as shipping purchases will not qualify. These include the additional cost to ship something you buy, or using a third party (such as Amazon) for bulk warehousing and shipping. Merchants that primarily sell boxes, packing tape, bubble wrap or other shipping supplies are also not included in this category."
Thank You!
I just was approved for this card but dont have the personal card. Ive read different reports stating that this card counts with the 5/24 rule. Is that correct? I want to apply for the personal card but thinking maybe i should wait until the end of the year to see how close i am to reaching globalist status. One last question, is there any limit to the amount of business cards i can apply...
I just was approved for this card but dont have the personal card. Ive read different reports stating that this card counts with the 5/24 rule. Is that correct? I want to apply for the personal card but thinking maybe i should wait until the end of the year to see how close i am to reaching globalist status. One last question, is there any limit to the amount of business cards i can apply any banks? i want to get the plantinum and gold amex, alaska business and ihg business. But im just not sure if i will be denied based on having too many business cards.
@ Mike -- Chase business cards are subjected to the 5/24 rule, but applying for a business card doesn't count as a further card toward that limit. If that's confusing, I explained it in a bit more detail in this post:
https://onemileatatime.com/guides/apply-chase-ink-business-cards/
There's not a formal limit on how many business cards you can have across issuers, though each card issuer may have a limit. You can read more about general application restrictions here:
@ Mike -- Chase business cards are subjected to the 5/24 rule, but applying for a business card doesn't count as a further card toward that limit. If that's confusing, I explained it in a bit more detail in this post:
https://onemileatatime.com/guides/apply-chase-ink-business-cards/
There's not a formal limit on how many business cards you can have across issuers, though each card issuer may have a limit. You can read more about general application restrictions here:
https://onemileatatime.com/guides/credit-card-application-rules/
@Lucky, if I currently have the Hyatt personal card and has 20 qualified nights so far, will getting the business card give me 5 more nights and if I spend $10k, will it give me another 5 nights for a total of 30. So if I sign up for the business card within the promo time and stay another 15 nights before 12/31st, I’ll get 60 nights? Please confirm if I’m understanding this correctly. Thanks!
@ Tigris23 -- The personal card offers five elite nights just for being a cardmember, while the business card doesn't. Elite nights earned with the credit card aren't doubled.
So if you have 20 elite qualifying nights so far, you'd get five more elite nights if you spent $10K on the card this calendar year (since the business card offers five elite nights for every $10K spent). You'd then still need 35 elite nights, which...
@ Tigris23 -- The personal card offers five elite nights just for being a cardmember, while the business card doesn't. Elite nights earned with the credit card aren't doubled.
So if you have 20 elite qualifying nights so far, you'd get five more elite nights if you spent $10K on the card this calendar year (since the business card offers five elite nights for every $10K spent). You'd then still need 35 elite nights, which you could earn with 18 nights in hotels (which would then be doubled).
I signed up for the WOH Business card using your referral link in the previous article announcing the new promotion. I was instantly approved. The very next day, I checked into a Hyatt. Will I get double elite nights for this stay, even though I'm not using the card (as it's not even in my hands yet)? The stay is completely within the promotion period.
@ Evan -- Yep, you would! You don't actually have to pay with the card, all that matters is that you were approved during the promotion period. Thanks for the support!
Would this be retroactive? If I apply during the promotion period, would the stays before approval during the period also double after the fact?
And when would the double night post?
Any data points on when the doubled elite night posts? I need this for globalist and have some stays checking out late December.
What I’ve seen so far is the 5 nights for $10000 spend posting within a few days of hitting that threshold, but no indication of when the doubled night applies. I really don’t want the doubled credit applying in 2023 for a 2022 stay.
Would the double stay credits be retroactive? The language seems to indicate that you would get double credit for all stays between August 23 and December 31, 2022, not just after approval. I may be reading it wrong...
Thank you!
@ JohnDCA -- Correct, it's retroactive to the start of the promotion.
It is not correct to say that you get one night credit every 2k of spending, as it is true only when you reach 10k, and then the counter starts again. Additionally, I understand than differently from the personal card, the counter is reset January 1st, so if you spend 9,999 by December 31st you don’t get the 5 nights credit. With the personal card, if you spend 4,999 by year end and 1$ in the new year, you get the 2 nights credit.
I, too, see zero value in this card that will justify "$99" per year to hold onto when compared to the personal card. I can't find one reason that this would outweigh or compliment the personal version of the card.
This card has served its primary purpose for me this year in racking up Globalist elite nights faster than with my personal card alone. I’m nowhere near LTG like you are, Ben!
That said, extra points/free night promo or some incentive would be nice for holding the card past the first-year SUB. Maybe something will be offered up if too many cardholders drop after year 1?
Ya I agree. I didn't have any real interest in getting this card until the double elite night bonus was offered and that was after I calculated I should be able to hit Globalist with my upcoming planned stays with the promotion.
I doubt very much that I would be interested in keeping the card once the next annual fee hits unless there's a good retention offer.