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Comparison of Ink Business Premier℠ Credit Card vs The World of Hyatt Credit Card
This comparison aims to help users decide between the Ink Business Premier℠ Credit Card and The World of Hyatt Credit Card by outlining their key features, benefits, and drawbacks to guide you toward the best choice for your financial needs.
Card Overviews
Ink Business Premier℠ Credit Card
The Ink Business Premier℠ Credit Card is tailored for business owners seeking to maximize cash back on their purchases. It offers unlimited rewards with no foreign transaction fees and additional benefits designed to help manage business expenses effectively.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is ideal for frequent travelers and Hyatt enthusiasts. This card provides various travel-related perks, including bonus points on Hyatt stays, free nights, and status enhancements, making it a great choice for those who frequently stay at Hyatt properties.
Detailed Feature Comparison
| Feature | Ink Business Premier℠ Credit Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $0 | $95 |
| Welcome Bonus | Earn $1,000 bonus cash back after you spend $10,000 in the first 3 months | Up to 60,000 Bonus Points (30,000 after $3,000 in first 3 months) |
| Rewards Structure | 2.5% cash back on purchases of $5,000 or more; 2% on all other purchases | Up to 9 points total for Hyatt stays; 2 points per $1 spent on restaurants and travel |
| Foreign Transaction Fee | No | No |
| Other Fees | No additional cost for employee cards | None specified |
| Additional Benefits | Trip Cancellation/Interruption Insurance, Purchase Protection | Free night each year, Discoverist status, 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 Premier℠ Credit Card
- Pros:
- High cash back rewards for large purchases
- No annual fee
- Flexible payment options with the Flex for Business feature
- Cons:
- Requires significant spending to maximize cash back
- Less appealing for non-business users
The World of Hyatt Credit Card
- Pros:
- Generous welcome bonus and ongoing rewards for Hyatt stays
- Complimentary Discoverist status
- Free night each year
- Cons:
- Annual fee applies
- Rewards primarily benefit frequent travelers and Hyatt customers
Who Should Consider Which Card?
- The Ink Business Premier℠ Credit Card is best for:
- Business owners looking for cash back on everyday purchases
- Those who frequently make large purchases
- The World of Hyatt Credit Card is ideal for:
- Frequent travelers, especially those loyal to Hyatt hotels
- Individuals looking to maximize hotel rewards and benefits
Conclusion
Both the Ink Business Premier℠ Credit Card and The World of Hyatt Credit Card offer unique benefits tailored to different audiences. Consider your individual spending habits, travel preferences, and financial goals to choose the card that best fits your needs.