Best Hyatt Card for Small Businesses
World of Hyatt Business Credit Card
On Chase Bank USA, NA's Website
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Welcome Bonus
60,000 Bonus Points
Annual Fee
$199
Regular APR
21.24% - 28.24% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
The World of Hyatt Business Credit Card marries an ongoing earnings structure with the ability to use card spending as an extra boost toward earning status with the chain.
Pros & Cons
- Welcome bonus
- Solid earnings rates
- Automatic Discoverist status
- Annual fee
- Low earning rate for non-bonused spending
- Base level status with the card offers limited benefits
Card Details
- 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
- 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
- 2 Bonus Points per $1 spent on fitness club and gym memberships
- 1 Bonus Point per $1 spent on all other purchases.
- Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
- 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
- World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
- Member FDIC
60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Best Hyatt Cards of 2023
Best Consumer Hyatt Credit Card
The World of Hyatt Credit Card
On Chase Bank USA, NA's Website
4.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
On Chase Bank USA, NA's Website
Up to 9X Reward Rate
Earn up to 9 points total per $1 spent at Hyatt - 4 bonus points per $1 when you useRead More
Welcome Bonus
Earn up to 60,000 Bonus Points
Annual Fee
$95
Regular APR
21.24% - 28.24% Variable
Credit Score
Excellent, Good(700 - 749)
Why We Picked It
While Hyatt doesn't have an extensive network of properties compared to other chains, the value offered by The World of Hyatt Credit Card is outstanding. If you are a regular at Hyatt, a combination of high point redemption values, sweet perks and one free night stay per year will easily cover the annual fee and then some.
Pros & Cons
- Annual free night certificate on cardmember anniversary
- Complimentary World of Hyatt Discoverist status
- High points redemption values
- Generous welcome bonus
- Limited number of properties
- No worthwhile redemption options aside from Hyatt properties
- High regular APR
- No intro APR offer
Card Details
- Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
- Enjoy complimentary World of Hyatt Discoverist status for as long as your account is open.
- Get 1 free night each year after your Cardmember anniversary at any Category 1-4 Hyatt hotel or resort
- Receive 5 tier qualifying night credits towards status after account opening, and each year after that for as long as your account is open
- Earn an extra free night at any Category 1-4 Hyatt hotel if you spend $15,000 in a calendar year
- Earn 2 qualifying night credits towards tier status every time you spend $5,000 on your card
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
- Earn 2 Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
- Member FDIC
Earn 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening. Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
The Best Hyatt Credit Cards
World of Hyatt Business Credit Card
[ jump to details ]
Those with a small business may want to consider the World of Hyatt Business Credit Card. The card has a higher annual fee and comes with slightly different benefits than the personal version of the card. Cardholders receive automatic Hyatt Discoverist status for the cardholder and up to five employees and up to $100 in Hyatt statement credits.
Rewards: 4 points per dollar at Hyatt hotels, 2 points per dollar spent in a cardholder's top three spend categories each quarter through 12/31/23, then the top two categories each quarter, 2 points per dollar spent on fitness club and gym memberships and 1 point per dollar spent on all other purchases
Welcome Bonus: 60,000 bonus points after spending $5,000 on purchases in the first 3 months from account opening
Annual Fee: $199
Other Benefits and Drawbacks: Cardholders can also earn five additional elite night credits for every $10,000 spent on the card within a calendar year and those who spend $50,000 or more within a calendar year will receive 10% of their redeemed points back after that date (up to 200,000 redeemed points).
The card does not charge foreign transaction fees. It also offers various travel and consumer benefits including an auto rental collision damage waiver, trip cancellation/interruption insurance, purchase protection and extended warranty protection.
The World of Hyatt Credit Card
[ jump to details ]
Those looking for a personal Hyatt credit card can probably benefit from The World of Hyatt Credit Card. It offers automatic Hyatt Discoverist status, five elite night credits and an annual free night certificate each year after your cardmember anniversary valid at a Category 1 to 4 Hyatt property, which, if used, should more than make up for the card’s annual fee.
Rewards: 9 points total per dollar spent at Hyatt - 4 bonus points per dollar spent at Hyatt hotels and 5 base points per dollar from Hyatt as a World of Hyatt member. Earn 2 bonus points per dollar spent at restaurants, on airline tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships and 1 point per dollar on all other eligible purchases
Welcome Bonus: 30,000 bonus points after spending $3,000 on purchases in the first 3 months from account opening. Plus, up to 30,000 more bonus points by earning 2 bonus points total per dollar spent in the first 6 months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent
Annual Fee: $95
Other Benefits and Drawbacks: The World of Hyatt Credit Card also offers the ability to earn a second free night certificate at a Category 1 to 4 Hyatt hotel after spending $15,000 on the card in a calendar year. Cardholders can also earn two additional elite night credits for every $5,000 spent on the card within a calendar year.
The card does not charge foreign transaction fees. The card also offers various travel and consumer benefits including baggage delay insurance, trip cancellation and interruption insurance, purchase protection and an auto rental collision damage waiver.
Other Good Credit Cards for Hyatt Hotels
If you’re not a Hyatt loyalist, it may not make as much sense to get a Hyatt credit card. Luckily, cards that earn Chase Ultimate Rewards® points offer the ability to transfer at a 1:1 ratio to Hyatt. These cards also offer other transfer partners and therefore significantly more flexibility overall. Some of our top choices include:
- Chase Sapphire Reserve®
- Chase Sapphire Preferred® Card
Similarly, any of the other best credit cards for hotels are worth consideration.
Methodology
Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case (the card rating you see on a specific “Best” list). The rating for each card changes on different “Best” lists according to how a person looking for a card in that category may value certain card features.
For instance, a card that might be considered mediocre on a list of rewards cards could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.
Forbes Advisor uses data from multiple government agencies to determine how much a typical cardholder might spend. We use the same numbers for cards in the same category to make sure we are comparing cards the same way. The bonus categories for spending included with each card are factored into our determination of how many rewards a cardholder could expect to earn if they use the card as a consumer normally would.
To learn more about our rating and review methodology and editorial process, check out our guide on How Forbes Advisor Rates Credit Cards.
How To Choose a Hyatt Credit Card
If you’re set on getting a Hyatt Credit Card, you only have two to choose from. This should make your decision relatively easy, as there is only one personal Hyatt credit card and one business Hyatt credit card.
If you have the option to apply for either one, you should consider which card will be more rewarding based on the rewards earning categories, welcome bonus and other benefits offered by the card.
It’s also worthwhile to consider other cards, especially Chase Ultimate Rewards-earning cards as Ultimate Rewards can be transferred to Hyatt at a 1:1 ratio.
How To Apply for a Hyatt Credit Car
Both Hyatt credit cards are issued by Chase. If you want to apply for a Hyatt Credit Card, you have two options: you can apply online or in person. You can apply online by visiting Hyatt or Chase’s website and filling out your card application with your personal and financial information. You will get an instant decision or a message that your application is pending further review.
Hyatt Loyalty Program
The World of Hyatt loyalty program is a way to earn and redeem points for stays, dining, spa treatments and more at Hyatt hotels and resorts. The program has four tiers of membership: Member, Discoverist, Explorist and Globalist. Each tier offers different benefits such as bonus points, room upgrades, late checkout, club access or breakfast and more.
Is a Hyatt Card Worth It?
Whether or not a Hyatt credit card is worth it is going to depend on your personal circumstances. Both the The World of Hyatt Credit Card and World of Hyatt Business Credit Card can be rewarding options for people who stay at Hyatt hotels at least occasionally. Those who aren’t loyal to Hyatt are likely to benefit more from a more flexible rewards card.
Find the Best Hotel Rewards Credit Cards Of 2023
Learn More
Bottom Line
Hyatt loyalists have two co-branded cards to choose from: one personal and one business. Both cards offer generous rewards and benefits for staying at Hyatt hotels and resorts. However, if you don’t stay at Hyatt often, you may want to consider a more flexible card that can earn points or cash back on other purchases.
Frequently Asked Questions (FAQs)
How many Hyatt credit cards can you have?
You can have both the personal and business Hyatt credit cards.
What credit score is needed for a Hyatt credit card?
To be approved for a Hyatt Credit Card, you will likely need a good to excellent credit score. This means you probably have a history of paying your bills on time and keeping your credit utilization low. If you’re not sure that your credit score is high enough, it may make sense to focus on building your credit score first.
Which bank offers the World of Hyatt credit card?
The World of Hyatt Credit Card is issued by Chase.
Does the Chase 5/24 rule apply to the World of Hyatt credit card?
The Chase 5/24 rule is a policy that prevents you from getting approved for most Chase credit cards if you have opened five or more personal credit cards across all banks in the last 24 months. This rule applies to the World of Hyatt Credit Card as well, so you probably need to be under 5/24 to be approved for this card.
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Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.
Forbes Advisor adheres to strict editorial integrity standards. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our partners.
FAQs
What credit score do you have to have to get a Hyatt credit card? ›
Editorial and user-generated content is not provided, reviewed or endorsed by any company. The Hyatt Credit Card credit score requirement is at least 700, which means applicants need good credit or better for approval.
How much is 70000 Hyatt points worth? ›| Number of Hyatt Points | Average Value |
|---|---|
| 70,000 | $1,771 |
| 60,000 | $1,518 |
| 50,000 | $1,265 |
| 40,000 | $1,012 |
30. American Gold and Platinum members enjoy World of Hyatt Explorist status for 90 days after registering. To have your status extended until February 2024, you must stay 10 elite qualifying nights within 90 days of registering.
Can you have two Hyatt cards? ›Understanding the Hyatt 1/24 rule:
You can't have two Hyatt cards, nor can you get the card again if you have received a sign-up bonus in the past 24 months. Please note this is 24 months from the date of the statement on which you receive your bonus, not the application date.
Chip Lupo, Credit Card Writer
The World Of Hyatt Business Credit Card credit limit is $5,000 or more. Everyone who gets approved for World Of Hyatt Business Credit Card is guaranteed a credit limit of at least $5,000, and particularly creditworthy applicants could get limits a lot higher than that.
The World of Hyatt Credit Card from Chase jump-starts your hotel elite status by providing Discoverist status if you're approved. Discoverist status includes the following major benefits when staying at participating hotels and resorts: Preferred room based on availability at check-in. Room upgrades (when available)
How much are Hyatt points worth 2023? ›World of Hyatt points are the gold standard of hotel rewards, with an average redemption value of 1.5 cents per point in Personal Finance Insider's most recent points and miles valuations. The program offers a variety of excellent redemption options, but some are better than others.
What are 100000 Hyatt points worth? ›| Number of Hyatt Points | Average Value |
|---|---|
| 100,000 | $2,530 |
| 90,000 | $2,277 |
| 80,000 | $2,024 |
| 70,000 | $1,771 |
Globalist is the top tier in the World of Hyatt loyalty program. Members earn this status after staying 60 nights or earning 50,000 base points. For those of you who are looking to earn Globalist status through credit card spend, there's an avenue for you.
Is it hard to get approved for Amex Platinum? ›Yes, it is hard to get the American Express Platinum card because applicants need a 700+ credit score and a high income to qualify for approval. But if you have at least good credit and make a lot of money, you have a decent shot at getting approved.
How prestigious is the Amex Platinum Card? ›
The Amex Platinum is one of the most prestigious travel credit cards you can own. Trying for an American Express credit card lets you establish a relationship with Amex. Plus, it can make it easier to add the Amex Platinum Card to your wallet in the near future.
Does Hyatt tier status expire? ›Once you earn Hyatt elite status, you'll keep that status through February of the second calendar year following qualification. For example, if you earn Discoverist status in September 2023, it would be valid through February of 2025. If you earn 1,000,000 lifetime base points, you'll earn lifetime Globalist status.
Can my wife use my Hyatt membership? ›World of Hyatt allows Globalist members to redeem their points for others who can take advantage of their elite perks, such as complimentary breakfast and potential room upgrades, even if the Globalist member is not staying with them.
Do Hyatt points expire if you have the Hyatt credit card? ›Hold a World of Hyatt Credit Card. As long as your card account is active, your points won't expire. Send or receive Hyatt points. Because members can transfer or receive Hyatt points for free, this can be an easy way to reset your points expiration clock.
How do I get World of Hyatt Explorist status? ›With 30 qualifying nights or 50,000 Base Points or 10 meetings or events in a calendar year, you'll receive Explorist status and benefits.
Can I get a credit card with score of 615? ›If your credit score sits in the 600 to 650 range, you're likely struggling to qualify for the top cards on the market, and yet, your score is just high enough to make cards designed for consumers with poor credit seem unattractive.
Can I get a credit card with a credit score of 695? ›A 695 credit score is good enough for many credit cards. Most card issuers are clear about the credit scores they're marketing to, and many allow a “soft pull” of your credit to see if you're likely to qualify.
What is the minimum credit score for Goldman Sachs credit card? ›Goldman Sachs uses TransUnion and other credit bureaus to evaluate your GM Card application. If your credit score is low (for example, if your FICO9 score is lower than 660 or if the Vantage score is lower than 630), Goldman Sachs might not be able to approve your GM Card application.
What is the minimum score for credit card? ›To be eligible for a credit card, the applicant should have a good credit score. Usually, any credit score above 750 and as close to 900 is considered good by financial institutions. Several Banks do accept a credit score between the range of 700-750 for credit card approval.