If you’re wondering which Hyatt credit card is the best one to get, you’re in the right place. And, fortunately, for most people, the answer is pretty simple: Get the World of Hyatt personal card. More on that is below.
Want to dig into the details for yourself? Check our our Hyatt card comparison. And if you’re ready to get a card, be sure to visit our best Hyatt bonus article, which we keep updated continuously with the best available welcome bonuses.
For most people: World of Hyatt (personal) credit card is the one to get
For most people, the best Hyatt credit card is the World of Hyatt personal credit card offers the most ongoing value. Despite its lower annual fee, the card simply offers more:
- More free nights. The personal card gives you a category 1-4 free night certificate each year, just for holding the card, plus you can earn an additional free night certificate after spending $15,000 in the year. The business card offers only up to $100 in statement credits.
- Better travel benefits. The personal card offers a decent set of travel insurance benefits, which makes it a reasonable choices to use for booking air travel and rental cars. The business card does not advertise any such benefits.
The business card can occasionally be better in the first year due to it often having a larger sign-up bonus, but after the first year, it’s hard to make an argument that the business card is better, except in very specific niche circumstances.
If you have employees traveling occasionally for work maybe paying for the business card to get them Discoverist status could be a nice perk. And it might be operationally better to offer your employees authorized user cards on your business account, but you’ll earn fewer total rewards in most cases.
What I do: Spend $15k/year on the personal card
Aaron Hurd
Executive Editor of Cards and Points
I hold the World of Hyatt personal card and not the business card. For me, the category 1-4 free night certificate gets me value well in excess of the card’s annual fee every year. That perk alone makes the card worthwhile for me.
I do spend $15,000 on the card every year in order to earn the second free night certificate, plus six additional elite qualifying nights toward my elite status. Currently, I have Hyatt Globalist status which is relatively valuable for free breakfast and 4 p.m. late checkout.
The card gets used to pay for Hyatt stays when I’m not staying on points or certificates, but beyond spending $15,000 on the card in a year, I prioritize my other cards for better rewards in other categories.
