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Ink Business Preferred® Credit Card vs The World of Hyatt Credit Card
This comparison aims to help potential cardholders decide between the Ink Business Preferred® Credit Card and The World of Hyatt Credit Card. Both cards offer unique features tailored to different spending habits and preferences, making it essential to understand their benefits and drawbacks.
Card Overviews
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card is designed for small business owners who want to maximize their rewards on business expenses. With a generous sign-up bonus and a competitive rewards structure, this card is ideal for those who travel frequently and spend on various business categories.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is perfect for Hyatt enthusiasts and frequent travelers who wish to earn rewards specifically for Hyatt hotels. This card offers valuable perks such as complimentary status and free nights, making it appealing for those who often stay at Hyatt properties.
Detailed Feature Comparison
| Feature | Ink Business Preferred® Credit Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $95 | $95 |
| Welcome Bonus | Earn 90k bonus points after you spend $8,000 in the first 3 months | Earn up to 60,000 Bonus Points (30k after $3,000 in first 3 months) |
| Rewards Structure | 3 points per $1 on first $150,000 spent in certain categories, 1 point on others | Earn up to 9 points total for Hyatt stays, 2 points on specific categories |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Purchase Protection, points worth 25% more on travel redemption | Complimentary Discoverist status, free night each year |
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 Preferred® Credit Card Pros
- High welcome bonus and earning potential on business expenses
- No foreign transaction fees
- Points worth 25% more when redeemed for travel
- Extensive purchase protection coverage
Ink Business Preferred® Credit Card Cons
- Higher spending requirement for the welcome bonus
- Annual fee may be a deterrent for casual users
The World of Hyatt Credit Card Pros
- Generous rewards on Hyatt stays and additional bonuses
- Complimentary Discoverist status and annual free night
- No foreign transaction fees
The World of Hyatt Credit Card Cons
- Limited to Hyatt properties for maximum rewards
- Lower overall rewards potential outside of Hyatt stays
Who Should Consider Which Card?
- The Ink Business Preferred® Credit Card is ideal for small business owners who frequently travel for work and spend across various categories, looking to maximize rewards and benefits.
- The The World of Hyatt Credit Card is suited for individuals who enjoy staying at Hyatt properties and want to earn significant rewards and benefits related to hotel stays.
Conclusion
Both the Ink Business Preferred® Credit Card and The World of Hyatt Credit Card offer unique benefits tailored to different audiences. It's essential to evaluate individual spending patterns and travel habits to select the card that best fits your needs.