If you’re doing the research to figure out which Hyatt credit card is right for you. In this article we lay out all of the substantive benefits of the Hyatt cards side-by-side.
Hyatt hotel benefits: Perks when staying at Hyatt hotels
Holding a Hyatt credit card gets you instant Discoverist status and gives you a way to boost your status through spending on the card. For most people, the personal card will offer more compelling perks because of the free night certificates and the 5 elite nights you get just for having the card, but the business card offers the unique benefit of gifting status to your employees.
 |  |
| World of Hyatt Credit Card | World of Hyatt Business Credit Card |
| Points earned at Hyatt Hotels and Resorts | |
| 4x | 4x |
| Complimentary World of Hyatt Status | |
| Discoverist | Discoverist for you, plus up to 5 employees |
| Receive 5 elite qualifying nights every calendar year | |
| – | |
| Earn elite qualifying nights for spending | |
| 2 qualifying night credits for every $5,000 spent on the card | 5 qualifying night credits for every $10,000 spent on the card |
| Free Night certificates | |
| 1 Category 1-4 Free Night each year after your cardmember anniversary Earn a second free night if you spend $15,000 in a calendar year. | – |
| Statement credits for Hyatt stays. Earn up to $100 in Hyatt credits (2x $50 credits) each anniversary year for purchases at Hyatt Hotels. | |
| – | |
Rewards for spending: Earn Hyatt bonus points
The Hyatt credit cards are similar to other hotel cards in that they don’t earn terribly compelling rewards for spending outside of stays within the brand. Somewhat confusingly, the personal card earns bonus points in specific categories, while the business card lists categories in which you can earn up to 2x points, based on your spending. Here’s what each card earns.
| |
| World of Hyatt Credit Card | World of Hyatt Business Credit Card |
| Points earned at Hyatt Hotels and Resorts | |
| 4x | 4x |
| 2x categories. Always earn 2x points in these categories | |
| Restaurants Airline tickets when purchased directly with the airline Local transit & Commuting Fitness Clubs and Gym memberships | Fitness Clubs and Gym memberships |
| 2x in top categories. Earn 2x in the top three categories each quarter, from among these categories. | |
| – | Dining Shipping Airline tickets when purchased directly with the airline Local transit & Commuting Social Media & Search Engine Advertising Car Rental Agencies Gas stations Internet, Cable & Phone Services |
| Other purchases | |
| 1x | 1x |
Travel insurance and assistance benefits
The personal Hyatt card has a relatively robust set of travel insurance benefits, considering its annual fee. Most travel insurance benefits require you to book your common-carrier travel (like airfare or train tickets) wtih the card. Here are the travel insurance and assistance benefits offered by each Hyatt card.
| |
| World of Hyatt Credit Card | World of Hyatt Business Credit Card |
| Trip Delay Reimbursement | |
| – | |
| Baggage Delay Insurance and Lost Luggage Reimbursement | |
| – | |
| Trip Cancellation and Interruption Insurance | |
| Auto Rental Coverage | |
| Travel Accident Insurance | |
| – | |
| Travel and Emergency Assistance | |
Consumer insurance benfts: Protection for the things you buy
Both the personal and business Hyatt cards offer purchase protection and extended warranty, making the cards a reasonable choice for purchases like expensive electronics where these benefits can come in handy.
| |
| World of Hyatt Credit Card | World of Hyatt Business Credit Card |
| Purchase Protection | |
| Extended Warranty Protection | |
Best Hyatt credit card welcome offers
World of Hyatt Credit Card welcome offer
Welcome offer: Earn up to 60,000 Bonus Points: 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months of account opening and up to 30,000 more Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
Hyatt card offers offer either World of Hyatt Bonus Points or category 1-4 free night certificates.
Unlike most other cards, which award the advertised bonus in addition to what you’d normally earn, the World of Hyatt Credit Card welcome offer’s $15,000 spending tier includes the points you would normally earn. Keep this in mind when evaluating the value of this welcome offer.
Annual fee: $95
World of Hyatt Business Credit Card
Offer: Earn 80,000 Bonus Points after you spend $10,000 on purchases in the first 3 months of account opening.
This bonus is awarded as World of Hyatt Bonus Points.
Annual fee: $199
