by Daniel | Last Updated Feb 4th, 2022
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If you travel a fair amount for pleasure or business and like to stay at nice hotels and would like to be rewarded for doing so, then both of the cards in this article are definitely worth looking into.
In this article I’m going to review and compare the World of Hyatt Personal and Business credit cards.
Basically, I’ll go over what they will cost you on an annual basis, what you can expect to receive each year in terms of benefits and user perks, and then finally, I’ll give you my opinion on both cards.
Who are these cards good for?
The World of Hyatt credit cards are some of the best hotel reward credit cards that are available on the market.
Both cards offer some really nice benefits and perks such as elite status with Hyatt, a free night every year with the personal card and a variety of different insurance related benefits which can come in handy when your traveling.
APR
So let’s start by looking at what the APR is, and for both of these cards, it’s the same.
And like most credit cards that are available now, these rates will depend on what your creditworthiness is and will vary with the markets depending on what the Prime rate is.
For purchases, the APR is between 15.99% and 22.99%, for cash advances, it is 24.99% and the penalty APR is 29.99%.
Now the Penalty APR can be imposed on your account if you fail to make a minimum payment by the due date or if you make a payment that is returned unpaid, and according to Chase it can potentially remain in effect indefinitely.
And then finally for late payments, there is a $40 fee.
Annual Fee
Next up, let’s have a look at what the annual fee is for each card.
Starting with the personal World of Hyatt Credit Card there is an annual fee of $95, which is not too bad considering some of the perks that come with this card.
Next up, the World of Hyatt Business Credit Card comes with a $199 annual fee.
So although the business card is more expense for the annual fee, it does offer a better signup bonus that can quite easily offset the extra cost.
Sign-up Bonus
Next up, let’s take a look at what sign-up bonus is on offer for each card, and what the difference is.
And starting with the personal World of Hyatt Credit Card there is a 2 tier sign-up bonus, initially, you can earn 30,000 bonus points after spending $3,000 on purchses within the first 3 months of opening the account.
The second part of the bonus is worth up to 30,000 points if you spend $15,000 within the first 6 months of card ownership.
So all up, that is a total of 60,000 bonus points, and with World of Hyatt points being worth approximately 1.8 cents per point, this sign-up bonus is worth about $1080.
And whilst the spend requirements to get the full bonus is quite a lot, if you are able to spend this much it’s a pretty decent bonus.
Next up, with the World of Hyatt Business Credit Card, there is the ability to earn 75,000 bonus points after spending $7,500 on purchases within the first 3 months of card ownership.
And based on the points being worth 1.8 cents per point, this bonus is worth $1350.
So with the business card, it is a fair bit easier to earn even more points than with the regular card, as you will only have to spend half as much to receive the bonus, and it is worth $270 more.
Earning Points
Next up, let’s take a look at how each card stacks up when it comes to earning points, and although they are both similar, there are a few subtle differences.
And starting with the personal World of Hyatt Credit Card it is possible to earn 9x points for purchases that are made at Hyatt hotels.
And this also includes any restaurants and participating locations that are owned by or managed by the Hyatt corporation.
Then from here, you will be able to earn 2x points on airline tickets that are booked directly with the airline, at restaurants, on local transit, and commuting, and at fitness clubs and gym memberships.
And then all other purchases will receive 1 point per dollar spent.
Next up, with the World of Hyatt Business Credit Card, you will get the same 9x points for purchases that are made at Hyatt hotels.
Then from here, there is the ability to earn 2x points from your top 3 spend categories on your card each quarter, and this is valid until the end of 2022, after this it will be reduced to be for your top 2 categories each quarter.
And this covers quite a broad range of categories that include:
Airline tickets, dining, car rentals, gas stations, advertising on social media and search engines, internet cable, and phone services.
You will also receive the same 2x points at fitness clubs and on gym memberships.
And then finally you also get 1 point per dollar spent.
So both cards offer the ability to earn quite a lot of points from a pretty broad range of categories, and it’s worth remembering that the points are worth 1.8 cents per point.
So if you spend a fair amount on the card each year, it will definitely pay off.
Benefits and User Perks
Next up, let’s take a look at all of the benefits and user perks that are on offer with each card.
Starting with the personal World of Hyatt Credit Card one of the more valuable benefits that come with this card is the free night certificate that you will receive at any category 1-4 Hyatt hotel or resort each year after your cardmember anniversary.
Then if you spend $15,000 within a calendar year you will receive a second free night certificate.
And some of the more expensive hotels that are a category 4 can cost around $300 per night.
So just this one benefits can quite equally cover the cost of the annual fee that is associated with this card.
Then from here you will receive World of Hyatt Discoverist status, and this comes with a variety of benefits that can be used when staying at a Hyatt hotels and resorts, which include room upgrades when available, late check out and premium internet.
And each year you will receive 5 qualifying night credits that go towards the next tier status.
And for every $5,000 you spend on the card you will receive an additional 2 qualifying night credits.
With this card you will also get a free DashPass membership that is worth $9.99 a month, and this gives you $0 delivery fees on orders that are over $12.
Insurance Coverage
Now besides these perks you will also get a few nice insurance related benefits.
The first is baggage delay insurance which provides you with up to $100 per day for 5 days if your luggage is delayed by the carrier for more than 6 hours, and this covers essential purchases such as toiletries and clothing.
There is also lost luggage reimbursement that covers you and an immediate family member for upto $3,000 if your luggage is damaged or lost by the carrier.
You will be covered by trip cancelation/interruption insurance which covers up to $5,000 per person and $10,000 per trip in the event that your trip is cancelled or cut short by sickness, severe weather or any other recovered situation.
And this is only available for pre-paid, non-refundable travel expenses and includes. Passenger fairs, tours and hotels.
And finally, there is purchase protection that covers new purchases for up to 120 days in case of damage or theft, and this covers up to $500 per claim and $50,000 per account.
Next up, with the World of Hyatt Business Credit Card you will get similar benefits to the personal card, again, with a few differences.
The first is a $100 statement credit that can be used at Hyatt properties.
And to receive the benefit you will need to spend $50 or more at any Hyatt property and you will receive a $50 statement credit, and this is available 2 times per year.
You get the same World of Hyatt Discoverist status as the personal card, but with the business card you will have the ability to gift it to 5 employees, and for every $10,000 you spend on the card within the year you will receive 5 qualifying night credits.
Next up, If you spend $50,000 or more within a calendar year, you will receive 10% of your redeemed points back for the remainder of the year up to a total of 200,000 points redeemed.
With the business card you will also get Hyatt leverage membership which gives you discounts on standard room rates at all participating Hyatt hotel and provides an average saving of over $350 per year.
And you can also get free employee cards at no costs.
Insurance Coverage
Now similar to the personal card you will be covered by quite a bit of insurance related coverage, but the coverage is a little different.
So first of all you will get trip cancelation/interruption insurance, but with the business card the coverage is not as much as the personal card.
Basically you will be covered for up to $1,500 per person and up to $6,000 per trip if your trip is cancelled of cut short.
Whereas with the personal card the coverage is $5,000 per person and $10,000 per trip.
You will get similar purchases protection as the personal card, which covers you for up to 120 days against damage or theft of a new purchases, but it covers upto $10,000 per claim and a total of $50,000 per account.
Whereas the personal card only covers $500 per claim, and the the same $50,000 per account.
And then finally with the business card you will get auto rental collision damage waiver that covers rental vehicles against collision damage or theft.
Final Thoughts
So what are my throughs about the World of Hyatt credit cards?
I like both of these cards and I think they can provide a lot of value no matter which card you have.
With the personal card, the free night certificate that you receive each year can easily cover the cost of the annual fee, and the fact that you can earn a second free night after spending $15,000 within the year is a nice added bonus.
And as the sign-up bonus of the Business card is worth $1350 and doesn’t require a silly amount of money to be spent to receive it, I think it presents great value.
If you can manage to spend an average of $625 a week on the card for a period of 3 months, you will meet the spend requirement, which seems pretty reasonable for a business card.
Another thing to keep in mind is the fact the Hyatt points are usually most valuable when redeemed from free nights at Hyatt properties.
With off peak rooms starting at 3,500 points per night and standard rooms starting at 5,000 points per night, Just 30,000 points would get you 8 free nights off-peek and 6 free night for a standard hotel room that is category 1
So, if you use these cards to their full potential, you can really get a lot of benefits in return.
Now if you’re interested in similar hotel reward credit cards, why not check out my review of the Marriott Bonvoy Credit cards here.