World of Hyatt card vs. World of Hyatt Enterprise card: Full particulars

Since 2018, Hyatt has offered one of the most well-rounded hotel cards with the World of Hyatt Credit Card.

It’s a product that offers a wide swath of benefits for even the casual traveler, from an annual Category 1-4 free night certificate to automatic entry-level Discoverist elite status. So, when Hyatt announced the World of Hyatt Business Credit Card, I was looking forward to seeing how this card would compete against its personal counterpart.

Besides the obvious of one being a personal product and the other a business product, these two Hyatt cards have significant differences. Could it make sense to have both the World of Hyatt card and the World of Hyatt Business card? In some instances, for those looking to reach higher thresholds of elite status without hotel stays, yes.

Here’s a closer look at these two cards from Hyatt and Chase — and whether it makes sense to add either (or both) to your wallet.

Let’s first take a high-level look at how these two Hyatt cards — the World of Hyatt card and the World of Hyatt Business credit card — compare with one another.

Also, since Chase issues both of these cards, they are subject to the issuer’s 5/24 rule, meaning you may not be approved if you have opened five or more personal credit cards across all banks in the last 24 months.

Let’s start with the personal World of Hyatt credit card, which has a lower $95 annual fee. First, you’ll earn 35,000 World of Hyatt bonus points after spending $3,000 on purchases within the first three months from account opening. That’s the easy part. From there, things get a little trickier.

New cardholders can earn another 30,000 points by spending up to $15,000 in the first six months of account opening — but only on everyday spending (non-bonus categories). The way that works is you’ll get 2 points per dollar on purchases that normally earn just 1 point per dollar. Maximizing this offer will require a hefty amount of non-bonus spending.

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In comparison, the World of Hyatt Business credit card has a higher $199 annual fee but also comes with a higher sign-up bonus. You’ll earn up to 75,000 bonus points: 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening and another 15,000 bonus points after spending $12,000 in the first six months from account opening.

These bonuses are worth $1,105 and $1,275, respectively, per TPG’s valuations, and match the highest offers in each card’s offer history.

Winner: The Hyatt business card since the personal version’s bonus is lower and requires significant spending to maximize.

Both the World of Hyatt card and the World of Hyatt Business card will automatically get you entry-level Hyatt Discoverist status. While perks are fairly limited, you’ll still enjoy benefits like 2 p.m. late checkout, a daily bottle of water and upgrades to preferred rooms within the same room category. Both cards also offer the following:

• No foreign transaction fees
• Complimentary roadside dispatch
• Extended warranty protection
• Purchase protection
• Trip cancellation and travel interruption insurance
• Travel and emergency assistance services

On the World of Hyatt credit card in particular, one of the most attractive benefits is the annual free night certificate at a Category 1-4 Hyatt property, which you’ll receive every account anniversary. This perk alone can be worth much more than the card’s $95 annual fee. You’ll also get a second free night after spending $15,000 in a calendar year.

Meanwhile, instead of free night awards, the World of Hyatt Business credit card focuses more on benefits that can be used for multiple people, which makes sense when you consider Hyatt is targeting the primary cardholder and any potential employees.

First, you can gift up to five Discoverist statuses to others; they do not have to be employees. Earning status for five others with one card is pretty hard to beat. What’s more, there is no fee for employee business cards (though note that these employee cards do not confer status).

Once you spend $50,000 or more on the card in a calendar year, you’ll receive 10% of your redeemed points back for the remainder of the calendar year (up to 20,000 points per year). Additionally, you’ll receive up to $100 in Hyatt credit each anniversary year when you spend $50 or more at any Hyatt property (earned as $50 in statement credits up to two times).

Winner: Tie, depending on what you’re looking for in a card — though the personal card and its free night(s) likely give that card the edge for many.

First, there are several similarities with earning rates. For both the World of Hyatt card and the World of Hyatt Business card, you’ll earn 4 points per dollar spent with Hyatt, 2 points per dollar spent on gym and fitness memberships and 1 point per dollar spent on all other eligible purchases.

However, there are some notable differences. The World of Hyatt card also offers the following bonuses:

• 2 points per dollar spent on local transit and commuting
• 2 points per dollar spent at restaurants
• 2 points per dollar spent on airline tickets purchased directly with the carrier

Meanwhile, the World of Hyatt Business card has something that Hyatt and Chase call an “adaptive accelerator.” Simply put, your additional bonus categories will change based on how you spend.

Business cardholders will earn 2 points per dollar on their top three spending categories each calendar quarter through the end of 2024 but only on the top two spending categories after that. Those categories include the following:

• Dining
• Airline tickets purchased directly with the airline
• Car rental agencies
• Local transit and commuting
• Gas stations
• Internet
• Cable and phone services
• Social media and search engine advertising
• Shipping

In total, the World of Hyatt Business card and the personal World of Hyatt card overlap on five bonus categories (but only four on the business card after December 2024). The business card has six unique bonus categories that differ from the personal card. One significant upside of the business card is the flexibility of earning bonuses based on specific expenses each quarter.

Winner: Another tie, dependent on what you value in your earning categories.

Redeeming points on the World of Hyatt vs. World of Hyatt Business

Since both of these Hyatt credit cards are part of the World of Hyatt program, their redemption options will be the same.

For TPG writer Ryan Wilcox, one of the best ways to use your Hyatt points is to redeem them for free hotel nights. Redemptions for standard rooms start at 5,000 points per night at Category 1 hotels and 40,000 points per night at Category 8 hotels. Premium suites go for as much as 60,000 points per night at Category 7 hotels.

However, note that with Hyatt’s shift to peak and off-peak pricing, Category 1 properties occasionally drop to as low as 3,500 points per night, while Category 8 properties sometimes climb to as high as 45,000 points per night.

Winner: Tie.

Carrying the World of Hyatt card and the World of Hyatt Business credit card could unlock the ability to double dip on benefits. All the night credits earned on both cards can help you level up your status tier with the World of Hyatt program and secure Milestone Rewards, which include bonus points and suite upgrades, among other perks.

With that said, an argument could be made for wanting to earn free nights and five automatic nights (World of Hyatt card) in addition to the perks of gifting Discoverist and earning elite nights faster through spending (World of Hyatt Business card).

However, most readers will probably lean toward the personal Hyatt card, as it offers a lower annual fee, a free Category 1-4 certificate upon renewal and the ability to earn another free night certificate after spending $15,000 in a calendar year.

Related: Why I aim to spend $15K on my World of Hyatt Credit Card each year

Hyatt has an ever-growing footprint and one of the most lucrative hotel loyalty programs. If you’re looking to earn top-tier World of Hyatt Globalist status, the elite night credits via spending on both the World of Hyatt card and the World of Hyatt Business card may help accelerate that progress and justify having both.

Now is as good a time as ever to consider whether either (or both) cards make sense for you. That said, we’re still hopeful and patiently waiting for a premium Hyatt card to join the Hyatt portfolio of cards.

Apply here: World of Hyatt Credit Card
Apply here: World of Hyatt Business Credit Card