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The Business Platinum Card® from American Express vs World of Hyatt Business Credit Card
This comparison aims to help you decide between two premium business credit cards: The Business Platinum Card® from American Express and World of Hyatt Business Credit Card. Both cards offer unique benefits tailored to different types of business owners, making it essential to evaluate their features carefully.
Card Overviews
The Business Platinum Card® from American Express
The Business Platinum Card® from American Express is designed for business owners who travel frequently and seek premium rewards and benefits. With extensive travel perks, lounge access, and generous rewards on eligible purchases, this card caters to high spenders who want to maximize their travel experiences.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card is tailored for business owners who frequently stay at Hyatt properties. It offers valuable rewards on Hyatt purchases and perks that enhance the Hyatt experience, making it ideal for those who prioritize hotel loyalty and enjoy staying at Hyatt hotels.
Detailed Feature Comparison
| Feature | The Business Platinum Card® from American Express | World of Hyatt Business Credit Card |
|---|---|---|
| Annual Fee | $695 | $199 |
| Welcome Bonus | 150,000 Membership Rewards® points + $500 statement credit | 60,000 Bonus Points |
| Rewards Structure | 5X points on flights and hotels booked at AmexTravel.com, 1.5X on eligible purchases, 1X on other purchases | Up to 9 points at Hyatt, 2 points on top spend categories, 1 point on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Various fees apply | None specified |
| Additional Benefits | Airport lounge access, $200 airline fee credit, CLEAR® credit, over $1,000 in statement credits on select purchases | Hyatt statement credits, tier-qualifying night credits, Discoverist status |
Rewards Highlights
- 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.
Pros and Cons
The Business Platinum Card® from American Express
- Pros:
- Extensive lounge access
- High rewards on travel-related purchases
- Generous welcome bonus
- Various statement credits available
- Cons:
- High annual fee
- Complex benefits structure
World of Hyatt Business Credit Card
- Pros:
- Lower annual fee
- Attractive rewards on Hyatt purchases
- Valuable hotel-related benefits
- Cons:
- Less versatile rewards structure compared to Amex
- Limited to Hyatt properties for maximum benefits
Who Should Consider Which Card?
The Business Platinum Card® from American Express is ideal for frequent travelers who value luxury, lounge access, and comprehensive travel benefits. If your business involves significant travel, this card can enhance your experience and rewards.
On the other hand, the World of Hyatt Business Credit Card is perfect for business owners who prioritize hotel stays at Hyatt properties. If you frequently stay at Hyatt hotels and seek to maximize your rewards in that ecosystem, this card is a great fit.
Conclusion
Choosing between The Business Platinum Card® from American Express and World of Hyatt Business Credit Card depends on your individual spending patterns and travel habits. Consider your business needs, travel frequency, and hotel preferences to make an informed decision.