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The Blue Business® Plus Credit Card from American Express vs The World of Hyatt Credit Card
This comparison aims to help you decide between The Blue Business® Plus Credit Card from American Express and The World of Hyatt Credit Card based on their features, rewards, and overall benefits.
The Blue Business® Plus Credit Card from American Express
The Blue Business® Plus Credit Card is designed for small business owners looking to earn rewards on everyday business expenses without an annual fee. It offers flexible spending options and a robust rewards structure that rewards purchases with Membership Rewards® points.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is tailored for avid travelers and Hyatt loyalists. It provides valuable benefits for those who frequently stay at Hyatt properties, including bonus points on eligible Hyatt purchases and complimentary hotel status.
Detailed Feature Comparison
| Feature | The Blue Business® Plus Credit Card | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | No annual fee | $95 |
| Welcome Bonus | Earn 15,000 Membership Rewards® points after you spend $3,000 in eligible purchases in the first 3 months. | Earn up to 60,000 Bonus Points (30,000 after $3,000 in purchases in the first 3 months, plus up to 30,000 more in the first 6 months). |
| Rewards Structure | 2X points on first $50,000 in purchases per year, 1 point per dollar thereafter. | Earn up to 9 points total for Hyatt stays and 2 Bonus Points per $1 spent at restaurants, on airline tickets, local transit, and gym memberships. |
| Foreign Transaction Fee | None | None |
| Other Fees | Late payment fee may apply. | Late payment fee may apply. |
| Additional Benefits | Expanded Buying Power, no annual fee. | Free night each year, tier credits towards status, and complimentary Discoverist status. |
Rewards Highlights
The following highlights showcase the rewards associated with each card:
The World of Hyatt Credit Card Rewards
- 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.
The Blue Business® Plus Credit Card Rewards
- Earn 2X points on everyday business purchases such as office supplies or client dinners. 2X applies to the first $50,000 in purchases per year, 1 point per dollar thereafter. Terms and limitations apply.
Pros and Cons
The Blue Business® Plus Credit Card Pros and Cons
- Pros:
- No annual fee.
- Flexible spending with Expanded Buying Power.
- Good rewards on everyday business purchases.
- Cons:
- Lower rewards for non-business expenses.
The World of Hyatt Credit Card Pros and Cons
- Pros:
- Generous welcome bonus and ongoing rewards for Hyatt stays.
- Complimentary hotel status and free night stays.
- Cons:
- $95 annual fee.
- Best value for frequent Hyatt users only.
Who Should Consider Which Card?
If you are a small business owner looking for a no-annual-fee card that rewards everyday business purchases, then The Blue Business® Plus Credit Card from American Express may be a great fit for you.
On the other hand, if you frequently stay at Hyatt hotels and want to maximize your travel rewards with benefits like free nights and hotel status, then The World of Hyatt Credit Card is likely the better choice.
Conclusion
In summary, both credit cards offer unique benefits tailored to different spending habits and financial goals. Consider your individual needs and preferences when deciding which card aligns best with your lifestyle and spending patterns.