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The American Express Blue Business Cash™ Card vs The World of Hyatt Credit Card
This comparison aims to help you decide between two different credit cards: The American Express Blue Business Cash™ Card, which is designed for small business owners looking for cash back benefits, and The World of Hyatt Credit Card, tailored for frequent travelers and Hyatt hotel enthusiasts. Below, we provide an overview of each card, a detailed feature comparison, rewards highlights, pros and cons, and guidance on which card might be best for you.
Card Overviews
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card is ideal for small business owners seeking a straightforward cash back rewards program with no annual fee. It offers flexible spending options and a robust cash back structure on all eligible purchases.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is designed for travelers who frequently stay at Hyatt properties. It provides opportunities to earn bonus points on Hyatt stays and a variety of travel-related perks, making it a great choice for Hyatt loyalists.
Detailed Feature Comparison
| Feature | The American Express Blue Business Cash™ Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | No annual fee | $95 |
| Welcome Bonus | Earn a $250 statement credit after you make $3,000 in purchases in your first 3 months. | Earn up to 60,000 Bonus Points after spending $3,000 in the first 3 months. |
| Rewards Structure | 2% cash back on eligible purchases up to $50,000 annually, then 1%. | Earn up to 9 points total on Hyatt stays and 2 Bonus Points per $1 spent at restaurants, airlines, local transit, and gyms. |
| Foreign Transaction Fee | None | None |
| Other Fees | No annual fee | $95 annual fee |
| Additional Benefits | Expanded Buying Power | Complimentary Discoverist status and free night stay at Hyatt. |
Rewards Highlights
Here are the key rewards offered by each card:
Rewards from The World of Hyatt Credit Card
- 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.
Rewards from The American Express Blue Business Cash™ Card
- Earn 2% cash back on all eligible purchases on up to $50,000 per calendar year, then 1%.
- 1% cash back on all eligible purchases after spending $50,000 per calendar year.
Pros and Cons
Pros of The American Express Blue Business Cash™ Card
- No annual fee.
- Simple cash back rewards structure.
- Flexible spending with Expanded Buying Power.
Cons of The American Express Blue Business Cash™ Card
- Limited to cash back rewards, which may not appeal to travelers.
Pros of The World of Hyatt Credit Card
- Earn valuable points for Hyatt stays and travel-related purchases.
- Complimentary Discoverist status and free night benefits.
Cons of The World of Hyatt Credit Card
- Annual fee of $95.
- More complex rewards structure compared to cash back.
Who Should Consider Which Card?
- The American Express Blue Business Cash™ Card is best suited for small business owners who prefer straightforward cash back rewards and want to avoid annual fees.
- The World of Hyatt Credit Card is ideal for frequent travelers who stay at Hyatt hotels and value travel perks like free nights and elite status.
Conclusion
In summary, both cards offer unique advantages based on your spending habits and financial goals. Consider your travel frequency, hotel loyalty, and preference for cash back versus travel rewards when choosing between The American Express Blue Business Cash™ Card and The World of Hyatt Credit Card.