[NEW OFFER] 5 Reasons To Get The New World Of Hyatt Business Card

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The new World of Hyatt Business Credit Card isn’t a game-changer and I think because the card is new and because it’s from Hyatt it’s being judged against an almost impossible standard. Here’s my full review. Note though that the original introductory bonus offer of 75,000 points is over. Some will find the new offer to be better. .

It’s a great card to get for the up front bonus. In fact, if you’re eligible for new Chase cards and can get a business card, that’s a rich enough reward to make applying almost a no-brainer. The card is reasonably rewarding for spend, and has some interesting benefits.

I thought I’d lay out what I think are the (5) reasons to get the card, and see if these match with your goals.

  1. Initial bonus. The World of Hyatt Business Credit Card has an offer to earn 60,000 points after $5000 spend within 3 three months from account opening. This is 15,000 fewer points than the introductory offer to promote the card at launch but crucially has a lower spend requirement so will be more attractive to many (and certainly offers more points per dollar of initial spend required).

    I value Hyatt points at 1.4 cents apiece, making the initial bonus worth $840. In fact they’re probably worth even more than that to me (revealed preference) since I find Hyatt is the Chase Ultimate Rewards partners I transfer to most

  2. Doesn’t add to 5/24. Since it’s a Chase card you’re not likely to be approved if you’ve had 5 or more new cards in the past 24 months. However since it’s a Chase business card it shouldn’t add to your 5/24 total, meaning that it may not trade off with other cards you’ll want to get.

  3. Most efficient way to spend for elite status. Spending on the card for elite status is more lucrative than with The World Of Hyatt Credit Card, though (which earns 2 elite night credits for each $5000 spent): the World of Hyatt Business Credit Card earns 5 elite qualifying nights with each $10,000 in spend on the card in a calendar year. That’s 25% more elite credit per $10,000 spent, though of course you may strand more spend reaching for it than when elite nights are awarded in $5000 spend increments.

    Hyatt’s top tier of elite status (Globalist) is the most rewarding generally accessible elite loyalty tier of any chain in my view, but you actually get rewards at every 10 elite nights earned in the program, up to 100 nights each year.

    # Nights Or Benefit
    10 25k base points or 3 meetings Discoverist
    20 35k base points 2 club lounge access awards
    30 50k base points or 10 meetings Explorist, 2 club access awards, cat 1-4 free night
    40 65k base points 5k points or $100 Hyatt gift card or 10k points off FIND experience
    50 80k base points 2 confirmed suite upgrade awards
    60 100k base points or 20 meetings Globalist, 2 suite upgrade awards, cat 1-7 free night, concierge
    70 N/A 10,000 points or suite upgrade award
    80 N/A 10,000 points or suite upgrade award
    90 N/A 10,000 points or suite upgrade award
    100 N/A 10,000 points or suite upgrade award

  4. Annual Hyatt credit and points rebate make annual fee worthwhile Each anniversary year cardmembers receive $100 in Hyatt credit in the form of two $50 statement credits (spend $50+ at a Hyatt property and receive a $50 statement credit up to two times each anniversary year).

    Spending $50,000 or more on the card in a calendar year entitles cardmembers to receive a 10% rebate on points redeemed for the rest of that calendar year, up to 20,000 points back each year (at 1.4 cents apiece, worth up to $280).

  5. Waived requirements for the Hyatt Leverage program. The Hyatt Leverage program is a small business room discount program that provides legitimate savings on stays (can be cheaper than member advance purchase rate or AAA rate without advance purchase), and its terms say you need to credit 50 nights a year to remain in the program so having the card is a great way to access it at lower volume since the 50 night requirement is waived for cardmembers. Staying in the Leverage program alone can drive real savings to small businesses that use Hyatt.

    hyatt leverage discount

I want the up front bonus, and I probably need the card for its more powerful earn towards status tiers. So the World of Hyatt Business Credit Card is one of the cards that is now at the top of my list (that I do not already have).

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. Monty Python famously put out a comedy album that they had no interest in because they had signed a deal with a record company and were one album short. They called it the Contractual Obligation Album.

    This is a Contractual Obligation Pitch.

  2. I think it would be more honest to point out that the business version only becomes more effective at earning status (vs the personal card) after spending $60,000 on it.

  3. +1 to @Brutus. Lots of really gaping holes in this pitch.

    (3) NOT the most efficient way for elite nights
    $50k spend on personal card = 10 elite credits (5 annual elite credits + 5 earned through spend)
    $50k spend on business card = 10 elite credits (0 annual credits + 10 earned through spend)

    You have to spend $60k to get ONE additional night that you wouldn’t have gotten with the personal version (14 on personal vs 15 on business). So that’s about 7% more elite credits IF you spend $60k, 0% if you spend $1 less.

    (4) You won’t get the value of the annual fee back without huge spend done quickly
    You only get the 10% rebate for stays after you’ve spent $50k and before the end of the calendar year. Most people won’t get a lot of value with that window.

    Only reason to get this card is the SUB for those under 5/24 in year one or if you plan on a LOT of spend that you can’t figure out how to get better value out of.

  4. Oops, numbers in (3) were wrong, but still accurate in sentiment, in fact even worse for the $60k spend:

    $50k spend on personal card = 25 elite credits (5 annual elite credits + 20 earned through spend)
    $50k spend on business card = 25 elite credits (0 annual credits + 25 earned through spend)

    At $60k to get ONE additional night that you wouldn’t have gotten with the personal version (29 on personal vs 30 on business). So that’s about 3% more elite credits IF you spend $60k, 0% if you spend $1 less.

  5. I need 5 more nights for glob lite this year. So for the extra $2500 spend, it was worth it. First instant approval on a Chase biz in years.

  6. Why would you spend more than $15k on the personal card though if you had the business card though?
    You could get 11 elite nights and a free night certificate from $15k spend on the personal, then spend 40k on the business card and you get another 20 for a total of 31 elite nights. Compare that to $55k on the personal where you’d have 27 elite nights. And you get 75,000 bonus points. I don’t think this post is arguing you should get this card to prioritize it over the personal, but rather that it is a no brainer when the sign-up bonus is included.

  7. To the comments on the spend and the elite nights. You are forgetting that many of us Hyatt people will already have the private card and get the 5 nights anyway. I’m seriously considering this as my 2nd Hyatt card, and to use it for elite night spend, at least for the first year with the bonus. And for me Gary’s points and calculations are exactly correct.

  8. Card is of limited value for most people. Don’t get suckered by the shilling trying to suggest this is somehow a great deal.

  9. Re: “2. Doesn’t add to 5/24. … However since it’s a Chase business card it should add to your 5/24 total, …” Seems contradictory.

  10. I value Hyatt points at 1.4 cents apiece, making the initial bonus worth over $1000. In fact they’re probably worth even more than that to me (revealed preference) since I find Hyatt is the Chase Ultimate Rewards partners I transfer to most.

    — Gary Leff

    You simply must stop making such statements about the “nominal” or “face” values of points currencies because the concept clearly continues to elude you.

    The relative sizes or magnitudes of “face” values of points currencies alone do not determine their relative worth. It is the relative sizes of earn rates that matter more because, while nominal values that are peddled constantly are relatively “stable” or fixed, earn rates can change dramatically, e.g., by paying one’s folio with a top earning co-branded hotel CC or from a particularly lucrative promo.

    Using your own nominal values the Hyatt point and the SPG point (before the program went belly-up) of 1.4 cents and 2.3 cents each, respectively, you get the following Returns On the Dollar (ROD) — a better measure of worth. Here, I use earn rates that include bonus points from co-branded CCs because anyone who plays the game with a “full deck” would always pay a revenue stay folio with co-branded CC:

    Hyatt Globalist: 1.4 cpp * 10.5 WoH points/$ = 14.7%
    SPG top elite: 2.3cpp * 5 SPG points/$ = 11.5%

    While the size of the “face” value a starpoint was 64% bigger than that of a Hyatt point, one gets a bigger ROD (pun intended) with the smaller-sized Hyatt point!

    Hilton Honors’ Q4 2021 global promo awarded “Aspire” Diamonds like me an astounding 54x, for a ROD of (using your own estimate of the “value” of a HH point, which is low):

    0.4cpp * 54HH points/$ = 21.5%

    See how that works? Maximize the number of points earned per spend because that ensures that even small-sized points currencies can have huge RODs, which are otherwise exactly identical among programs when compared under identical conditions, i.e., using earn rates from similar sources, and more precise, more accurate and unbiased estimates of “face” values of various hotel points currencies.

    G’day.

  11. BTW, I should hope that 75,000 WoH points would easily be “worth” more than $1K simply because they can be redeemed for revenue rooms with nightly rates or for stays of multiple nights at Hyatt properties that would cost more than $1K…

  12. @ Gary — How likely is this to carry over 1-2 days beyond the expiry? Bad luck has it that I will be one day short of when I can likely be approved under Chase’s rules.

  13. @ DCS — How convenient that you leave it out Hyatt’s promos for the quarter. At least be consistent. And, no the earn rates aren’t “exactly identical”. That is nonsense. The points can’t be used at the same properties, so they will never be the same.

  14. @D’s Dad @Niels – exactly point on.

    The Biz card works as a nice complement to the personal, not as a spend substitute. I had hoped for some bonus spending offers offered on it by now, though!

  15. What is not noted by the comments here is as follows. I have a business. Therefore this card gets 2X points on two categories I spend a lot on, like shipping, and advertising. So I can really get alot more points as I go for the elite status which I also earn faster. So as with most card programs, there are use cases for some, and maybe not for others. Its easy to say this card stinks because the personal card generates some decent perks. But Ill get 20K Hyatt points and 5 nights for each 10K spent which does work out great for me. Additionally, since we are finally coming out of Covid some of my events and business travel haven’t all come back yet in 2022. By next yr they should. So I want to make sure I have the status into next year regardless. If Hyatt pulls all bonuses for signups on this card they will get many less signups.

  16. @ robertw — Never fear, they may improve the bonus tomorrow. One ends and another may begin.

  17. @ DCS — How convenient that you leave it out Hyatt’s promos for the quarter. At least be consistent. And, no the earn rates aren’t “exactly identical”. That is nonsense. The points can’t be used at the same properties, so they will never be the same.

    @Gene — I have no idea what you are complaining about, so I suspect that you did not understand anything in my post.

    You can include whichever Hyatt promo you wish, that won’t change the thrust of my argument.

    And, I never claimed that “earn rates” are identical, because it would be ‘nonsense’ as you said. Au contraire, this is what I said:

    It is the relative sizes of earn rates that matter more because, while nominal values that are peddled constantly are relatively “stable” or fixed, earn rates can change dramatically, e.g., by paying one’s folio with a top earning co-branded hotel CC or from a particularly lucrative promo.

    If by “earn rate” you are referring to what I called return on the dollar (ROD), I assure you that they are identical if one does the math or modeling correctly.

    G’day.

  18. @ DCS — You said that RODs were “exactly identical” (your words, not mine). Well, they aren’t.

  19. @ DCS — You said that RODs were “exactly identical” (your words, not mine). Well, they aren’t.

    — Gene

    Well, it’s as I thought. You do not understand any of it.

    First you attributed to me something I never claimed: “…[n]o the earn rates aren’t “exactly identical”. That is nonsense.” Then after provide evidence that I never made such a claim and agree that it is indeed nonsense to say that earn rates are “exactly identical”, you have now changed your tune. You are instead challenging the inescapable conclusion ( it just falls automatically out of the modeling) that returns on the dollar (ROD) are exactly identical for all programs because all points currencies are “worth” exactly the same when adjusted for differences in “earn rates.”

    We’ll be waiting for your proof to the contrary with bated breath…

  20. @ DCS — Yes, you are so smart that no one understands you. There is no proof to the contrary.

  21. @ Gary — The 75k offer for the Hyatt Business Card is NOT over. It is showing at the very bottom of the page when I log into my WoH account and navigate to my account activity.

  22. Miles and points are different for everyone and no one formula applies to every situation.
    If I see a 75k offer for spending $7500 and want the points I do it. Using the generally accepted value of points is a part of my consideration and I spend enough time making bookings with out using a complicated formula to get down to the perfect price point.
    It’s a hobby not an obsession or is it the other way round

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