Hyatt and Chase offer two credit cards in partnership with Chase. Both offer bonus points for Hyatt stays charged to the card and a variety of Hyatt-related perks. In this article, you can compare all of the benefits and features of the Hyatt cards side-by-side.
If comparing everythign is too much, read our recommendation on the best Hyatt credit card for you. And for the best current sign-up bonuses, check out our continuously-updated article on the best current Hyatt sign-up bonuses.
Hyatt credit card overview
Before we get into comparing all of the Hyatt cards’ features and benefits, here’s a high-level overview of each card in the Hyatt lineup.
| Annual Fee | Top-Level Overview of the Card | |
|---|---|---|
| World of Hyatt Credit Card | ||
 | $95 | Offers automatic Discoverist status, bonus rewards for Hyatt spending, a free night certificate each year just for having the card, and the opportunity to earn an additional free night for $15k of spending in a year. |
| World of Hyatt Business Credit Card | ||
 | $199 | Offers automatic Discoverist status for you and five employees, bonus rewards for Hyatt spending, and bonus rewards in your top three eligible categories each quarter. |
Hyatt Benefits: Benefits when staying with Hyatt brands
Both Hyatt credit cards offer Discoverist status, plus the opportunity to earn qualifying nights for spending on your card. With the business card, you trade off earning free nights for Discoverist status for employees, a few statement credits, and greater numbers of qualifying nights for large spending.
| |
| World of Hyatt Credit Card | World of Hyatt Business Credit Card |
| Complimentary Elite Status | |
| Discoverist | Discoverist status for you and up to 5 employees |
| Earn Elite Qualifying Nights for Spending | |
| Earn 2 qualifying nights for every $5,000 spent on the card | Earn 5 qualifying nights for every $10,000 spent on the card in a calendar year |
| Free Nights | |
| Receive one free night every year after your cardmember anniversary. Receive an additional free night after you spend $15,000 in a calendar year. | – |
| Statement Credits for Hyatt Purchases | |
| Spend $50 or more at any Hyatt property and earn $50 in statement credits, twice per anniversary year. | |
Our takeaway: For most people, the free night certificate you get every year with the personal card and the opportunity to earn a free night after $15,000 of spending make the personal variant of the World of Hyatt card a winner.
Rewards: Earn Hyatt bonus points for purchases
The Hyatt credit cards offer bonus points for charging your Hyatt stays to the cards, in addition to the perks listed above. The personal card offers additional fixed bonus categories, while the Hyatt business card bonuses spending in your top three categories each quarter.
| |
| World of Hyatt Credit Card | World of Hyatt Business Credit Card |
| Hyatt Stays | |
| 4x | 4x |
| Top Three Categories. Earn 2x points in your top 3 categories, based on quarterly spending. Eligible categories include: Shipping; airline tickets when purchased directly with the airline, local transit & commuting; social media & search engine advertising; car rental agencies; gas stations; and internet, cable & phone services. | |
| – | 2x |
| Airline Tickets purchased directly from airlines | |
| 2x | (Up to 2x) |
| Dining | |
| 2x | (Up to 2x) |
| Fitness Clubs and Gym Memberships | |
| 2x | 2x |
| Local Transit and Commuting | |
| 2x | (Up to 2x) |
| Other Purchases | |
| 1x | 1x |
Our takeaway: The cards offer good rewards for spending at Hyatt Hotels and it likely makes sense to spend $15,000 a year on the Hyatt personal card to earn a second free night certificate, but the rewards for spending in bonus categories, compared to other no-annual-fee cards, are somewhat disappointing.
Travel benefits compared
The World of Hyatt credit card offers a relatively decent suite of travel insurance benefits which make it a reasonable option to use for your airline and other common carrier purchases. In contrast, the business variant of the card doesn’t offer a robust set of benefits.
In most cases, you’ll get better rewards and benefits by putting your non-hotel travel purchases on a travel credit card like the Chase Sapphire Preferred or Capital One Venture X.
Here are the travel benefits of the Hyatt credit cards:
| World of Hyatt Credit Card | World of Hyatt Business Credit Card | |
|---|---|---|
Annual fee: $95 | Annual fee: $199 | |
| Auto rental coverage | Up to $60,000. Secondary within the U.S.; primary outside of the U.S. Rentals up to 31 days. | Up to $60,000. Primary when renting for business. |
| Baggage delay insurance | Up to $100/day for 5 days. Applies to delays over 6 hours. | – |
| Lost luggage reimbursement | Up to $3,000 per covered traveler per trip. | – |
| Roadside assistance | Pay-per-use pre-negotiated rates. Available in the U.S. and Canada. | |
| Travel accident insurance | Up to $100,000 of 24-hour accident insurance. Up to $500,000 of common carrier accident insurance. Applies to trips up to 30 days. | – |
| Travel and emergency assistance | 24-hour worldwide referral service. Cardmember is responsible for the cost of services provided. | 24-hour worldwide referral service. Cardmember is responsible for the cost of services provided. |
| Trip cancellation/ interruption insurance | Up to $5,000 per covered traveler. Up to $10,000 per trip for all travelers. Up to $20,000 per 12 month period per account. | Up to $1,500 per covered traveler. Up to $6,000 per trip for all travelers. |
| Trip delay reimbursement | Up to $500 per covered traveler per trip. Covers 12+ hour or overnight delays. | – |
Consumer and other benefits compared
Here are the other benefits offered on the World of Hyatt credit cards.
| World of Hyatt Credit Card | World of Hyatt Business Credit Card | |
|---|---|---|
Annual fee: $95 | Annual fee: $199 | |
| Extended warranty | One additional year. Applies to U.S. warranty coverage of three years or less. | |
| Purchase protection | Up to $500 per claim within 120 days of purchase. Limit of $50,000 for the life of the account. | Up to $10,000 per claim within 120 days of purchase. Limit of $50,000 for the life of the account. |
World of Hyatt Credit Card: How to maximize benefits
If you have the World of Hyatt credit card, you’ll hit the card’s “sweet spot” when you spend $15,000 on the card, since you’ll earn a free night certificate after spending this much in a calendar year. (At $15,000 of spending you’ll also get a total of 11 elite nights for the year.)
Try to weight your spending toward the bonus categories. If you’re going to put more than $15,000 of spending on the card, be aware that you could likely be earning better rewards in almost every spending category other than Hyatt stays with another card.
If you want to earn Hyatt points, consider using one of the cards in the Chase Ultimate Rewards® ecosystem. You’ll find card that earn more points per dollar of spending—meaning you’ll earn more points faster—and your points have additional option value. Chase Ultimate Rewards points can be redeemed for cash back, transferred to Hyatt, or used for a variety of other travel rewards and transfer partners.
Here’s what you need to do to maximize the value of the World of Hyatt credit card:
- Use your card for all of your Hyatt stays. Earning 4x Hyatt points on all of your Hyatt stays beats the amount of rewards you’re likely to earn from other cards.
- Be sure to use your Category 1-4 certificate. Free night certificates can be an easy win, but free nights that go unused are worth nothing. The free night certificate expires a year after it is issued.
- Earn an additional free night certificate with $15,000 of spending in a year. After $15,000 of spending, shift your non-Hyatt spending to other cards to maximize rewards.
- Consider other cards for non-Hyatt spending. Cash back cards and cards that earn Ultimate Rewards® will be more rewarding for most non-Hyatt spending.
World of Hyatt Business Credit Card: How to maximize benefits
The key to maximizing the value of the Hyatt Business credit card is to use the card exclusively for your Hyatt spending and nothing else.
If you are going to use the card for non-Hyatt spending, try to pick three of the card’s eligible categories every quarter and stick with them. You can do much better than earning 1x Hyatt points on general purchases even with a no-annual-fee 2% cash back card.
In our view, it’s not worth it to spend on the card toward elite status—if you want to do that, consider the personal variant of the card, the World of Hyatt Credit Card, instead. With the personal card, you’ll get five tier-qualifying nights just for having the card and two for every $5,000 you spend. You won’t earn more total elite nights on the business card until after you’ve spent $60,000 on the card in a calendar year.
Here’s what you need to do to maximize the value of the World of Hyatt Business Credit Card:
- Use your card for all of your Hyatt stays. Earning 4x Hyatt points on all of your Hyatt stays beats the amount of rewards you’re likely to earn from other cards.
- Consider other cards for non-Hyatt spending. Cash back cards and cards that earn Ultimate Rewards® will be more rewarding for most non-Hyatt spending.
