Hyatt offers two of the most well-rounded hotel cards: the World of Hyatt Credit Card (see rates and fees) and World of Hyatt Business Credit Card (see rates and fees).
Besides the obvious distinction between a personal product and a business product, these two Hyatt cards have significant differences.
So, does it make sense to have both the World of Hyatt card and the World of Hyatt Business Credit 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 Chase cards — and whether it makes sense to add either (or both) to your wallet.
World of Hyatt vs. World of Hyatt Business card comparison
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 card — compare with one another.
| World of Hyatt Credit Card | World of Hyatt Business Credit Card | |
|---|---|---|
| <strong>Welcome offer</strong> | Earn two free nights (at any Category 1-4 Hyatt hotel) after spending $4,000 on purchases in the first three months from account opening. Plus, earn 25,000 bonus points after spending $12,000 on purchases in the first six months from account opening. Offer ends Aug. 28. | Earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.<p></p> <p> </p> |
| <strong>Annual fee</strong> | $95 | $199 |
| <strong>Earning rates</strong> | <ul> <li>4 points per dollar spent at participating Hyatt hotels</li> <li>2 points per dollar on local transit and commuting, at restaurants, on airline tickets purchased directly from the airline and on fitness club and gym memberships</li> <li>1 point per dollar on all other purchases</li> </ul> | <ul> <li>4 points per dollar spent at participating Hyatt hotels</li> <li>2 points per dollar on the top three of eight spending categories in each quarter</li> <li>2 points per dollar at fitness clubs and for gym memberships</li> <li>1 point per dollar on all other purchases</li> </ul> |
| <strong>Other benefits</strong> | <ul> <li>Five elite night qualifying credits toward your next tier of status every year</li> <li>Annual free night certificate at a Category 1-4 Hyatt property every account anniversary</li> <li>Earn a second free night certificate at a Category 1-4 Hyatt property by spending $15,000 during the calendar year</li> <li>Earn two tier-qualifying nights for every $5,000 spent</li> </ul> | <ul> <li>Spend $50,000 or more on the card in a calendar year and receive 10% of redeemed points back for the remainder of the calendar year, up to 200,000 points back per year</li> <li>$50 Hyatt statement credits, earned up to two times each calendar year</li> <li>Earn five tier-qualifying nights for every $10,000 spent each calendar year</li> </ul> |
World of Hyatt vs. World of Hyatt Business welcome offer
The World of Hyatt card (personal version) is currently offering a tiered bonus with a mix of free nights and points:
- Earn two free nights at any Category 1-4 Hyatt hotel after spending $4,000 on purchases in the first three months from account opening
- Plus, earn 25,000 bonus points after spending $12,000 on purchases in the first six months from account opening.
This offer is available through Aug. 28.
This bonus is worth up to $1,037 per TPG's August 2025 valuations. That's based on meeting both minimum spending requirements and using the two free night certificates for 18,000 points each at a Category 4 property on a peak date.
Conversely, the World of Hyatt Business card has a much simpler bonus: Earn 60,000 bonus points after spending $5,000 on purchases within the first three months of account opening.
These bonus points are worth $1,020, based on our August 2025 valuations — that's just $17 less than the personal card's bonus value. However, points are more flexible than free night certificates, so if the welcome bonus is the main factor in your decision, the business version is better.
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.
Winner: Business. You'll get more flexible points for a lower minimum spending requirement.
World of Hyatt vs. World of Hyatt Business benefits
First, let's discuss the similarities between these two cards' benefits.
Both the World of Hyatt card and the World of Hyatt Business card will automatically get you entry-level 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:
- Extended warranty protection
- Lost luggage reimbursement
- No foreign transaction fees
- Purchase protection
- Trip cancellation/interruption insurance
One of the personal card's most useful 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 can also get a second free night after spending $15,000 in a calendar year.
Meanwhile, instead of free night awards, the business 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 Discoverist status to up to five 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 200,000 points back per year). Additionally, you'll receive up to $100 in Hyatt statement credits each anniversary year when you spend $50 or more at any Hyatt property (earned as $50 in statement credits up to two times).
Winner: Personal. Its free nights(s) give that card the edge for many — unless you want perks for your employees.
Earning points on the World of Hyatt vs. World of Hyatt Business
There are several similarities in 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, with the personal card also earning:
- 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 business card's additional bonus categories change based on your spending, earning 2 points per dollar spent on your top three spending categories each quarter. Those categories include:
- Airline tickets purchased directly with an airline
- Car rental agencies
- Dining
- Gas stations
- Internet, cable and phone services
- Local transit and commuting
- Shipping
- Social media and search engine advertising
The two cards overlap in five bonus categories and the business card has five 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. Which card works best for you is dependent on what you value in your earning categories and how much flexibility you need.
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 are the same.
One of the best ways to use Hyatt points is to redeem them for free hotel nights. Redemptions for standard rooms start at 3,500 points per night at Category 1 hotels and 35,000 points per night at Category 8 hotels. Premium suites go for as much as 90,000 points per night at Category 8 hotels on peak dates.
You can also redeem Hyatt points for room upgrades, dining on property, spa treatments and FIND experiences. These redemptions start at just 1,000 points. However, we recommend using your points for booking hotels stays, as that's where you'll find the most value.
Winner: Tie. Both cards earn Hyatt points, so they have the same redemption options.
Should I get the World of Hyatt or World of Hyatt Business?
For most, the personal card is the better fit with its lower annual fee, a free Category 1-4 night on renewal and another after $15,000 in annual spending. However, the business card is the stronger option if you want more flexibility. Together, the two cards let you stack elite night credits to reach status faster.
Related: Why I aim to spend $15K on my World of Hyatt Credit Card each year
Bottom line
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 you can earn 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.
To learn more, read our World of Hyatt card review and the World of Hyatt Business card review.
Apply here: World of Hyatt Card
Apply here: World of Hyatt Business Card
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
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