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The Business Platinum Card® from American Express vs The World of Hyatt Credit Card
This comparison aims to help potential credit card users decide between two popular options: The Business Platinum Card® from American Express and The World of Hyatt Credit Card from Chase. Each card offers unique benefits tailored to different spending habits and preferences, making it essential to understand their features.
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is designed for business owners who travel frequently and want to maximize their rewards and benefits. With a high annual fee, this card offers extensive travel perks, premium rewards, and exclusive access to airport lounges.
The World of Hyatt Credit Card
The World of Hyatt Credit Card is tailored for individuals who frequently stay at Hyatt hotels and wish to earn rewards through their purchases. With a lower annual fee, this card provides benefits that enhance the travel experience for Hyatt loyalists, including bonus points for hotel stays and additional perks.
Detailed Feature Comparison
| Feature | The Business Platinum Card® from American Express | The World of Hyatt Credit Card |
|---|---|---|
| Annual Fee | $695 | $95 |
| Welcome Bonus | Earn 150,000 Membership Rewards® points after spending $20,000 in first 3 months + $500 statement credit after spending $2,500 on qualifying flights | Earn up to 60,000 Bonus Points (30,000 after spending $3,000 in first 3 months + up to 30,000 more in first 6 months) |
| Rewards Structure | 5X points for flights/prepaid hotels, 1.5X points on eligible purchases, 1X points on other purchases | Up to 9 points total for Hyatt stays, 2 Bonus Points per $1 at restaurants, airlines, local transit, and gyms |
| Foreign Transaction Fee | None | None |
| Other Fees | Terms Apply | Member FDIC |
| Additional Benefits | Airport lounge access, airline fee credit, tech purchase credits | Complimentary Discoverist status, free night every year, tier qualifying night credits |
Rewards Highlights
The Business Platinum Card® from American Express
- Earn 5X Membership Rewards® points for flights, prepaid hotels, and short-term rentals and prepaid flight + hotel packages booked at AmexTravel.com.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Earn 1X points on other eligible purchases.
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.
Pros and Cons
The Business Platinum Card® from American Express
- Pros:
- Generous welcome bonus and rewards for travel-related purchases.
- Extensive airport lounge access.
- Multiple premium travel benefits and statement credits.
- Cons:
- High annual fee.
- Best for frequent travelers only.
The World of Hyatt Credit Card
- Pros:
- Lower annual fee compared to premium cards.
- Strong rewards for Hyatt stays.
- Complimentary status and free night benefits.
- Cons:
- Limited to Hyatt hotel brand for maximum rewards.
- Lower overall rewards if not spending at Hyatt locations.
Who Should Consider Which Card?
The Business Platinum Card® from American Express is ideal for business owners and frequent travelers who can take advantage of its extensive rewards and premium travel benefits. If you travel often and spend significantly on flights and hotels, the higher annual fee may be justified.
Conversely, The World of Hyatt Credit Card is suited for travelers who frequently stay at Hyatt properties and prefer a lower annual fee. This card is a great choice for those looking to earn points toward free hotel stays and enjoy additional perks at Hyatt hotels.
Conclusion
Ultimately, the decision between The Business Platinum Card® from American Express and The World of Hyatt Credit Card should be based on your individual needs, spending habits, and travel preferences. Consider how often you travel, where you stay, and whether the benefits align with your lifestyle to make an informed choice.