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Ink Business Premier® Credit Card vs World of Hyatt Business Credit Card
This comparison aims to help users decide between the Ink Business Premier® Credit Card and the World of Hyatt Business Credit Card, two offerings from Chase that cater to different business needs and spending habits.
Card Overviews
Ink Business Premier® Credit Card
The Ink Business Premier® Credit Card is designed for business owners who want to maximize their cash back rewards. It features a robust cash back structure, especially for larger purchases, and includes various travel benefits. Ideal for businesses that often spend significant amounts on travel and require flexible payment options.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card is tailored for businesses that frequently stay at Hyatt hotels. It offers substantial rewards for Hyatt purchases and provides various benefits that enhance the travel experience for business owners and their employees. Perfect for those who prioritize hotel loyalty and travel perks.
Detailed Feature Comparison
| Feature | Ink Business Premier® Credit Card | World of Hyatt Business Credit Card |
|---|---|---|
| Annual Fee | $195 | N/A |
| Welcome Bonus | $1,000 bonus cash back after spending $10,000 in first 3 months | 60,000 Bonus Points after spending $5,000 in first 3 months |
| Rewards Structure | Unlimited 2.5% cash back on purchases of $5,000 or more, 2% on all other purchases | Up to 9 points total per $1 at Hyatt; 2 points per $1 in top 3 categories; 1 point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Travel benefits, built-in protections, Flex for Business feature | Hyatt statement credits, tier-qualifying night credits, Discoverist status |
Rewards Highlights
- Earn $1,000 bonus cash back after you spend $10,000 on purchases in the first 3 months from account opening.
- Unlimited 5% total cash back on travel purchased through Chase Travel℠.
- Unlimited 2.5% total cash back on purchases of $5,000 or more.
- Unlimited 2% cash back on all other business purchases.
Pros and Cons
Ink Business Premier® Credit Card
- Pros:
- High cash back for large purchases.
- No foreign transaction fees.
- Flexible payment options with Flex for Business feature.
- Comprehensive purchase protections.
- Cons:
- Annual fee is relatively high.
- Welcome bonus requires significant spending.
World of Hyatt Business Credit Card
- Pros:
- Generous rewards for Hyatt purchases.
- Hyatt statement credits enhance value.
- Discoverist status benefits for cardholders and employees.
- Cons:
- Annual fee not explicitly stated.
- Rewards are more beneficial for Hyatt loyalists.
Who Should Consider Which Card?
- Ink Business Premier® Credit Card: Ideal for business owners who frequently make large purchases and want to earn cash back on all their spending, particularly those who travel often.
- World of Hyatt Business Credit Card: Best suited for individuals or businesses that often stay at Hyatt properties and want to maximize hotel rewards and benefits.
Conclusion
When choosing between the Ink Business Premier® Credit Card and the World of Hyatt Business Credit Card, it’s essential to assess your individual spending patterns and business needs. Consider which card's rewards structure and benefits align best with your financial goals to make an informed decision.