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Comparison of The World of Hyatt Credit Card vs World of Hyatt Business Credit Card
This comparison aims to help you decide between The World of Hyatt Credit Card and World of Hyatt Business Credit Card by evaluating their key features, rewards, and benefits.
The World of Hyatt Credit Card Overview
The World of Hyatt Credit Card is designed for individuals who frequently stay at Hyatt properties and want to earn rewards on their hotel stays and everyday purchases. With a modest annual fee, it offers various perks including bonus points on Hyatt stays, complimentary status, and free night awards.
World of Hyatt Business Credit Card Overview
The World of Hyatt Business Credit Card caters to small business owners looking to maximize their rewards on business expenses as well as travel. This card provides greater earning potential in various categories and offers valuable benefits for frequent travelers.
Detailed Feature Comparison
| Feature | The World of Hyatt Credit Card | World of Hyatt Business Credit Card |
|---|---|---|
| Annual Fee | $95 | $199 |
| Welcome Bonus | Up to 60,000 Bonus Points | 60,000 Bonus Points |
| Rewards Structure | Up to 9 points per $1 at Hyatt, 2 points at restaurants, airlines, transit, and gyms | Up to 9 points per $1 at Hyatt, 2 points in top 3 spend categories, 2 points at gyms, 1 point on all other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | None specified | None specified |
| Additional Benefits | Free night, tier credits, complimentary Discoverist status | $100 statement credits, tier credits, complimentary Discoverist status for employees |
Rewards Highlights
- 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 World of Hyatt Credit Card
- Pros:
- Lower annual fee
- Free night award at Category 1-4 Hyatt hotels
- Complimentary Discoverist status
- Earn points on everyday purchases
- Tier qualifying night credits for status
- Cons:
- Lower welcome bonus compared to business card
- Limited business-related benefits
World of Hyatt Business Credit Card
- Pros:
- Higher welcome bonus
- Additional statement credits for Hyatt spending
- Flexibility in earning 2 points on top three business categories
- Complimentary Discoverist status for employees
- Cons:
- Higher annual fee
- More complex rewards structure
Who Should Consider Which Card?
If you’re a frequent traveler who enjoys staying at Hyatt hotels and desires straightforward rewards, The World of Hyatt Credit Card may be the best fit for you. On the other hand, if you run a business and want to maximize rewards on your business expenses while enjoying travel benefits, the World of Hyatt Business Credit Card would be more beneficial.
Conclusion
Ultimately, the choice between The World of Hyatt Credit Card and the World of Hyatt Business Credit Card will hinge on your individual spending habits and travel needs. Consider how often you stay at Hyatt hotels and whether you require business-related benefits to determine which card will serve you best.