4.2 / 5
- Welcome
- 50,000 points
- Annual fee
- $0
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Chase · rewards
World of Hyatt Business Credit Card
4.1 / 5
World of Hyatt points · Business card
The $199 fee is real money, but the $100 annual Hyatt credit cuts it roughly in half, and Discoverist status extends to up to 5 employees for free. The 4x Hyatt rate is solid, though earning outside Hyatt and your quarterly categories drops to a flat 1x.
At a glance
- Welcome bonus
- 70,000 points
- Spend $7,000 in 3 months
- Annual fee
- $199
- Year-one and ongoing
- Purchase APR
- 19.24% to 27.74%
- No intro APR
- FX fee
- None
Editorial
Our take
The $199 fee is real money, but the $100 annual Hyatt credit cuts it roughly in half, and Discoverist status extends to up to 5 employees for free. The 4x Hyatt rate is solid, though earning outside Hyatt and your quarterly categories drops to a flat 1x.
Verdict
Pros & cons
Pros
- 70,000-point welcome bonus
- $100 annual Hyatt statement credit nearly offsets the fee
- Automatic Discoverist status for cardholder and up to 5 employees
Cons
- $199 annual fee is steep for a mid-tier hotel card
- Base earn rate outside Hyatt and quarterly categories is only 1x
- No lounge access
Earnings
Earn rates
| Category | Rate | Notes |
|---|---|---|
| Hyatt stays | 4x points | Up to 9x total when combined with World of Hyatt member earning |
| Quarterly bonus categories | 2x points | Top 3 spend categories each quarter, chosen automatically from a rotating list (e.g. dining, shipping, airfare, transit, gas, car rental, advertising, internet/cable/phone) |
| Gym & fitness memberships | 2x points | Gym and fitness memberships |
| All other purchases | 1x points |
Benefits
Key benefits
Automatic Discoverist Status
Get World of Hyatt Discoverist status for you and up to 5 employee cardholders at no added cost.
Annual Hyatt Credit
Get up to $100 in Hyatt statement credits each cardmember year, issued as two $50 credits for stays of $50 or more.
Quarterly Bonus Categories
Earn 2x points on your top 3 spending categories each quarter, selected automatically from a rotating list.
Free Employee Cards
Add employee cards at no additional cost and extend Discoverist status to your team.
Instacart+ Membership
Get 3 months of complimentary Instacart+ membership plus a $10 monthly Instacart credit through December 31, 2027.
Fit
Who this is best for
- Small businesses that book Hyatt for travel
- Teams wanting free employee cards with hotel status
- Hyatt loyalists who want a business-specific earn structure
FAQ
Frequently asked questions
What is the Hyatt Business welcome bonus?
70,000 bonus points after spending $7,000 on purchases in the first 3 months of account opening.
Does the Hyatt Business charge an annual fee?
Yes. The annual fee is $199 every year.
Does the Hyatt Business have a foreign transaction fee?
No. The Hyatt Business charges no foreign transaction fee, so it works well for international purchases.
What APR does the Hyatt Business charge?
The purchase APR is 19.24% to 27.74% variable.
Who is the Hyatt Business best for?
Small businesses that book Hyatt for travel. Teams wanting free employee cards with hotel status. Hyatt loyalists who want a business-specific earn structure.
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Apply
World of Hyatt Business Credit Card
Spend $7,000 in 3 months
Rates accurate as of August 30, 2026. Issuer terms.