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Should you have the Chase World Of Hyatt Card or Chase World Of Hyatt Business Credit Card?
- You can read more about the Hyatt card in this post.
- You can read more about the Hyatt business card in this post.
Table of Contents
The last of the valuable hotel point currencies
After the Starwood merger, most hotel points are now worth less than 1 cent each. I value Hilton and IHG points at about 0.4 cents, and Marriott points at about 0.6 cents each.
I value Hyatt points at about 1.6 cents each, making them by the far the most valuable hotel points.
While chains like Marriott tack on massive resort fees and destination fees onto award nights, an awesome feature of the Hyatt program is that they waive resort and destination fees on award nights. If you Globalist status they’ll even waive parking fees on award stays.
Hyatt hotels start at 3,500 points for a free night at a category 1 hotel on off-peak dates and go up to 45K points for a category 8 hotel on peak dates. Yes, Hyatt actually still has an award chart, unlike just about every other hotel brand that has ditched theirs.
It’s also great that Hyatt allows for free unlimited point transfers between members.
Best of all, you can earn Hyatt points with Chase’s excellent ecosystem of Ultimate Rewards cards, which include:
- Ink Business Cash® Credit Card
- Ink Business Unlimited® Credit Card
- Ink Business Preferred® Credit Card
- Chase Chase Sapphire Preferred® Card® Card
- Chase Sapphire Reserve®
- Chase Freedom Flex
- Chase Freedom Unlimited®
Do you need a Hyatt card?
If you have Chase cards that can transfer points into miles (Ink Business Preferred® Credit Card, Chase Chase Sapphire Preferred® Card® Card, or Chase Sapphire Reserve®) then you don’t need a Hyatt card.
However having a Hyatt card will give you elite status, with pathways towards higher status, plus free nights, cardmember promos, and more.
So should you have a Chase World Of Hyatt Card or a Chase World Of Hyatt Business Credit Card?
That will depend, but it can make sense to have one or both as they offer unique value propositions.
Personally, I now have both cards. But should you?
Signup bonus:
- Hyatt Card: 30K points for spending $3,000 in 3 months, plus earn double points on up to $15,000 of spending for 6 months.
- Hyatt Business Card: 60K points for spending $5,000 in 3 months
Winner: Hyatt Business Card
Annual fee:
- Hyatt Card: $99
- Hyatt Business Card: $199
Winner: Hyatt Card
Annual Hyatt Credit:
- Hyatt Card: None
- Hyatt Business Card: Up to $100 back, with 2 $50 statement credits for spending $50 or more at Hyatt.
Winner: Hyatt Business Card
Annual Hyatt Free Night:
- Hyatt Card: 1 free category 1-4 night
- Hyatt Business Card: None
Winner: Hyatt Card
Bonus Annual Hyatt Free Night:
- Hyatt Card: 1 free category 1-4 night for spending $15,000 in a calendar year
- Hyatt Business Card: None
Winner: Hyatt Card
Hyatt Elite Status:
- Hyatt Card: Discoverist (Free premium internet, 10% bonus points at Hyatt hotels, free bottled water daily at Hyatt hotels, and 2PM late checkout.)
- Hyatt Business Card: Discoverist (Free premium internet, 10% bonus points at Hyatt hotels, free bottled water daily at Hyatt hotels, and 2PM late checkout.)
Winner: Tie
Hyatt Elite Status Gifting:
- Hyatt Card: None
- Hyatt Business Card: Gift Discoverist status to up to 5 people annually by calling Hyatt.
Winner: Hyatt Business Card
Hyatt Elite Qualifying Nights:
- Hyatt Card: 5 annual nights towards earning status for being a cardholder.
- Hyatt Business Card: None
Winner: Hyatt Card
Hyatt Elite Qualifying Status Nights From Spending:
- Hyatt Card: 2 night credits for every $5,000 spent.
- Hyatt Business Card: 5 night credits for every $10,000 spent.
Winner: Hyatt Business Card
Hyatt Point Rebate:
- Hyatt Card: Occasional promotions.
- Hyatt Business Card: Occasional promotions, plus 10% rebate on redeemed points for the rest of the calendar year after spending $50,000, capped at 20,000 rebated points.
Winner: Hyatt Business Card
Hyatt Cardmember Bonus Promotions:
- Hyatt Card: Yes
- Hyatt Business Card: Yes
Winner: Tie
Points per dollar on everyday spending:
Winner: Tie
Points per dollar on gym/fitness spending:
Winner: Tie
Points per dollar on Hyatt spending:
Winner: Tie
Points per dollar on dining:
- Hyatt Card: 2
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Card
Points per dollar on airline tickets:
- Hyatt Card: 2
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Card
Points per dollar on local transit or commuting:
- Hyatt Card: 2
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Card
Points per dollar on car rentals:
- Hyatt Card: 1
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Business Card
Points per dollar on gas stations:
- Hyatt Card: 1
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Business Card
Points per dollar on phone, wireless, internet, and cable:
- Hyatt Card: 1
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Business Card
Points per dollar on social media and search engine advertising:
- Hyatt Card: 1
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Business Card
Points per dollar on shipping:
- Hyatt Card: 1
- Hyatt Business Card: 2 per dollar if among top 2 quarterly categories (top 3 categories for 2023)
Winner: Hyatt Business Card
Foreign transaction fee:
- Hyatt Card: None
- Hyatt Business Card: None
Winner: Tie
Hyatt Leverage hotel stay discounts:
- Hyatt Card: No
- Hyatt Business Card: Waived requirements for Hyatt Leverage discounts.
Winner: Hyatt Business Card
Adds to 5/24 count of cards:
- Hyatt Card: Yes
- Hyatt Business Card: No
Winner: Hyatt Business Card
Comparison chart of the card benefits:
| Chase World Of Hyatt Consumer Card | Chase World Of Hyatt Business Card | |
|---|---|---|
| Signup Bonus: | 30K points for spending $3,000 in 3 months, plus earn double points on up to $15,000 of spending for 6 months | 60K points for spending $5,000 in 3 months |
| Annual Fee: | $99 | $199 |
| Additional Cardholder Fee: | $0 | $0 |
| Annual Hyatt Credit: | None | Up to $100 back, with 2 $50 statement credits for spending $50 |
| Annual Hyatt Free Night: | 1 free category 1-4 night | None |
| Bonus Hyatt Free Night: | 1 free category 1-4 night for spending $15,000 | None |
| Hyatt elite night credits for spending: | 2 credits for every $5,000 spent | 5 credits for every $10,000 spent |
| Hyatt elite night credits for having the card: | 5 per year | None |
| Hyatt points rebates for spending: | None | 10% rebate on redeemed points for the rest of the calendar year after spending $50,000, capped at 20,000 rebated points |
| Discoverist Status Gifting: | None | 5 |
| Points earned on everyday spending: | 1 per dollar | 1 per dollar |
| Points earned on gym/fitness: | 2 per dollar | 2 per dollar |
| Points earned on Hyatt stays: | 4 per dollar | 4 per dollar |
| Points earned on Dining: | 2 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on Airline tickets: | 2 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on local transit and commuting: | 2 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on Car rentals: | 1 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on Gas stations: | 1 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on Internet, cable and phone services: | 1 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on Social media and search engine advertising: | 1 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Points earned on Shipping: | 1 per dollar | 2 per dollar if among top 2 or 3 quarterly categories |
| Foreign transaction fees: | None | None |
| Adds to 5/24 count: | Yes | No |
| Hyatt Leverage Benefits: | None | Waived stay requirements |
Win count:
The business card technically has more wins and a better signup bonus, but that’s with a major caveat. It’s more expensive and is targeted towards the big spenders, who will be able to take advantage of the faster path towards elite status and the point rebates.
However for a casual user, the consumer card comes with an annual free night, which more than covers the annual fee. The business card has no such perk.
If you are gunning for status, you’ll probably want to have both cards. By spending $15,000 on the consumer card you’ll have 11 elite qualifying night credits and 2 category 1-4 free nights.
For example, spending $15,000 on federal taxes will cost you $277.50 on the Hyatt Card , but you’ll earn 15,278 points, worth about $244, and you’ll earn the bonus category 1-4 free night (on top of the free night that the card awards annually), good for rooms that cost up to 18K points per night during peak dates. Plus you’ll have 11 elite qualifying nights towards earning higher status.
After that, you’ll want to spend on the business card to earn 5 elite qualifying night credits for every $10,000 spent, and a 20% point rebate unlocked after you spend $50,000. The consumer card only earn 2 elite night credits for every $5,000 spent and has no award rebate kicker.
Of course night credits earned with the credit card combine with both paid and award stays at Hyatt hotels to earn elite status. Status earned in 2023 is valid through 2/28/25. That means you can earn status every other year instead of trying to qualify every year, and still always have the status.
- Discoverist status requires 10 elite qualifying nights. This status is free for World Of Hyatt cardholders.
- Discoverist status gives 10% bonus points on stays, free premium in-room internet, free bottled water, preferred room upgrades, elite checkin, 2pm late checkout, and bonus AA miles on stays.
- Explorist status requires 30 elite qualifying nights.
- Explorist status gives 20% bonus points on stays, free premium in-room internet, free bottled water, room upgrades, elite checkin, 2pm late checkout, guaranteed hotel availability 72 hours in advance, and bonus AA miles on stays. There isn’t a big difference between Discoverist and Explorist.
- Globalist status requires 60 elite qualifying nights.
- Gloablist status gives 30% bonus points on stays, waived resort fees on all stays, waived parking fees on award stays, club access or free breakfast, free premium in-room internet, free bottled water, suite upgrades at checkin, elite checkin, 4pm late checkout, guaranteed hotel availability 48 hours in advance, and bonus AA miles on stays.
- Globalists can also book a “guest of honor award” to allow another person to be treated to all Globalist benefits for an award stay when using the Globalist member’s points.
- Many Hyatt hotels will also buy Globalists free kosher breakfast where available. I’ve taken advantage of free kosher breakfast in Buenos Aires, Cleveland, Hawaii, Los Angeles, Melbourne, New York, Paris, Sydney, and many more.
Thanks to earning Hyatt Globalist status, I was also given top-tier American Executive Platinum status! Hyatt elites also get perks and challenges to earn AA status.
Hyatt also offers great bonuses for hitting tiers of elite qualifying nights in a calendar year, which you do with spending and stays:
- Earn 20 elite qualifying nights and you’ll get 2 club lounge awards that are valid for club access for the duration of your Hyatt stay.
- Earn 30 elite qualifying nights and you’ll get 2 more club lounge awards, and a free night at category 1-4 hotels.
- Earn 40 elite qualifying nights and you’ll get a $100 Hyatt gift card or 5,000 bonus points.
- Earn 50 elite qualifying nights and you’ll get 2 confirmed suite upgrades that are each valid on paid or award stays of up to 7 nights.
- Earn 60 elite qualifying nights and you’ll get 2 more confirmed suite upgrades on paid or award stays, a Hyatt concierge to take care of your every Hyatt need via email or private phone line, and a free night at category 1-7 hotels.
- For every additional 10 elite qualifying nights you’ll get another confirmed suite upgrade or 10,000 Hyatt points.
If you just want a signup bonus, you’ll be better off with cards like Ink Business Cash® Credit Card or Ink Business Unlimited® Credit Card.
However if you do want status, Hyatt is one of the few brands with valuable enough points and perks that can make it worth spending your way to becoming elite. And for that, you just might want both cards in your wallet.
Otherwise, the consumer card is a nice way to get some Hyatt perks and an annual free night that should more than cover the cost of the annual fee.
Do you have a Chase World Of Hyatt Card and/or Chase World Of Hyatt Business Credit Card?
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13 Comments On "Battle Of The Hyatt Cards: Should You Have The Consumer And/Or Business Card?"
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Both, mainly for elite nights to help requalify for globalist
Good strategy. Do you spend every year or every other year?
How much do I need to spend to get Hyatt globalist?
You need 60 elite qualifying nights, between spending, paid, and award stays.
Am I correct that on the Hyatt consumer card if you spend $15K in first 6 months you’d earn the 30K sign up bonus + 2x on first $15K spend so 30K points + extra free night cert + standard free night cert that comes with the card. So, 60K points + 2 free night certs total?
Correct.
What’s the best way to get to globalist status? Sounds pretty suite
Spend and stay your way to 60 nights.
Any reports of being easier to get than other chase cards?
why if having both cards its easier to rank up nights requalify for globalist?
(I’m a globalist now but expiring end of month)
Consumer gives 5 annual elite nights for having the card and a free award night for spending $15K.
Business gives 5 elite nights for every $10K spent instead of 4 on the consumer.
Have the consumer card it’s very good worked my way to explorist, but Dan any info if there putting out a premium hyatt card? The business card has a big annual fee and no free night
“Hyatt hotels start at 3,500 points for a free night at a category 1 hotel on off peak dates and go up to 45K points for a category 8 hotel on peak dates. Yes, Hyatt actually still has an award chart, unlike just about every other hotel brand that has ditched theirs.”
Are the high and low point redemption rates listed above just available on award nights, or anytime?