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Ink Business Cash® Credit Card vs The World of Hyatt Credit Card
This comparison aims to assist users in deciding between the Ink Business Cash® Credit Card and The World of Hyatt Credit Card. Each card has unique features and benefits tailored to different spending habits and goals.
Card Overviews
Ink Business Cash® Credit Card
The Ink Business Cash® Credit Card is designed for small business owners looking to earn cash back on everyday business expenses. With no annual fee, this card offers generous rewards on purchases at office supply stores, gas stations, and restaurants, making it a strong contender for those who frequently spend in these categories.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is ideal for frequent travelers and Hyatt loyalists. With a modest annual fee, it provides various travel perks, including complimentary hotel status, free nights, and substantial bonus points on Hyatt stays, catering specifically to those who prioritize hotel rewards and travel benefits.
Detailed Feature Comparison
| Feature | Ink Business Cash® Credit Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | No Annual Fee | $95 |
| Welcome Bonus | Earn $350 when you spend $3,000 in the first 3 months and an additional $400 when you spend $6,000 in the first 6 months | Earn up to 60,000 Bonus Points (30,000 after $3,000 in 3 months, plus up to 30,000 on $15,000 spent in 6 months) |
| Rewards Structure | 5% cash back on the first $25,000 spent at office supply stores and on internet, cable and phone services; 2% cash back on gas and restaurants; 1% on all other purchases | Up to 9 points total for Hyatt stays; 2 Bonus Points per $1 at restaurants, airline tickets, local transit, and fitness memberships |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Zero Liability for unauthorized charges; redeem rewards through Chase Ultimate Rewards® | Complimentary Discoverist status, free night each year, tier qualifying night credits |
Rewards Highlights
- Earn up to 9 points total for Hyatt stays – 4 Bonus Points per $1 spent on qualified purchases at Hyatt hotels & up to 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
Pros and Cons
Ink Business Cash® Credit Card
- Pros: No annual fee, flexible cash back rewards, strong bonuses on business-related purchases.
- Cons: Rewards may not be as beneficial for non-business expenses; limited to cash back redemption.
The World of Hyatt Credit Card
- Pros: Comprehensive travel benefits, free nights, and valuable hotel points for Hyatt loyalists.
- Cons: Annual fee, primarily benefits those who frequently stay at Hyatt properties.
Who Should Consider Which Card?
- The Ink Business Cash® Credit Card is best for small business owners or individuals who spend heavily on office supplies and gas, looking for cash back rewards with no annual fee.
- The World of Hyatt Credit Card is ideal for travelers who frequently stay at Hyatt hotels and want to maximize their travel rewards with hotel perks and bonuses.
Conclusion
In summary, both the Ink Business Cash® Credit Card and World of Hyatt Credit Card offer unique advantages. Consider your spending patterns, travel habits, and financial goals to choose the card that best aligns with your needs.