World of Hyatt Business Credit Card

Compare Edit data

Chase · Visa · business · World of Hyatt

Web-verified 2026-09-08.
Review the linked sources below for offer details and eligibility.

$199

annual fee · Not waived the first year (US Credit Card Guide). Chase: 'Add employee cards at no additional cost.'

foreign txn fee

$100

credits/yr realistic ($100 face)

$1,190

sign-up bonus ≈ 70000 points after $7,000/3mo

Earning

Hyatt (Hotels (booked direct)) Rewards Program Agreement (RPA0537, 01/15/2026): '4 Bonus Points for each $1 USD spent on qualifying purchases made at Hyatt hotels and resorts participating in the World of Hyatt Program and on purchases of World of Hyatt Experiences made at hyatt.com/experiences.' Hyatt separately pays up to 5 Base Points per eligible $1 as a World of Hyatt member (Chase advertises 'up to 9X total'); only the card's 4x is filed here.	4x	6.8%
Gyms & fitness Rewards Program Agreement wording: '2 Bonus Points for each $1 USD spent on purchases made in the fitness club and gym memberships rewards category' - always-on, separate from the top-3 quarterly mechanic.	2x	3.4%
Peloton (Gyms & fitness) Chase earn-points / accelerated-earn pages: '2 Bonus Points per $1 spent on Peloton membership and equipment purchases'. No end date shown.	2x	3.4%
Everything else '1 Bonus Point for each $1 USD spent on all other purchases.' The eight business categories in choice_categories also earn 1x unless they land in your top three for the calendar quarter. Points don't expire while the card account is open.	1x	1.7%
Choose 3: Dining & restaurants, Airfare (booked direct), Rental cars, Transit, Gas stations, Phone, internet, cable, Advertising, Shipping Automatic - Chase: 'no activations or pre-selections needed'. Rewards Program Agreement: '2 Bonus Points total for each $1 USD spent (1 additional Bonus Point on top of the 1 Bonus Point per $1 USD earned on all other purchases) in the three rewards categories from a select list of rewards categories available in which you spend the most each calendar quarter.' Chase's select list (chase.com/hyattbuscard2X): 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. Chase may change the list before the start of a calendar year. Spend is totaled at the end of each calendar quarter (Jan-Mar, Apr-Jun, Jul-Sep, Oct-Dec); the extra point posts within 1-2 statements / up to 8 weeks after the quarter. Chase: 'No earnings caps.'	2x

Right column: value per $ at travel valuation (1.7¢/pt).

Credits

$100 Hyatt statement credits /anniversary · easy to use
Chase: 'Spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year' (up to $100 total). Each credit is triggered by a single Hyatt transaction of $50+ and posts the same day the transaction posts; no enrollment.

Benefits

World of Hyatt Discoverist status (you + up to 5 employees) — Chase: 'immediate World of Hyatt Discoverist status for as long as you're a cardmember. Plus, give the gift of Discoverist status to up to five employees' via 5 Discoverist Upgrade Awards. Discoverist: 10% bonus points, preferred room upgrades, elite check-in, 2 p.m. late checkout, waived resort fees on award stays.
5 Tier-Qualifying Night credits per $10,000 spent — Chase: 'Earn 5 Tier-Qualifying Night credits for every $10,000 spent in a calendar year' toward status and Milestone Rewards; no cap. Unlike the personal card there are no free annual night credits.
10% points rebate after $50,000 calendar-year spend — Chase: 'Spend $50,000 in a calendar year and get 10% of your redeemed points back for the rest of the year, on up to 200,000 points redeemed' (max 20,000 points back) for free night awards, Points + Cash, room upgrades, dining, spa and World of Hyatt Experiences; excludes Avis rentals and airline transfers. Applies only to redemptions after the threshold is met, not retroactively (Upgraded Points).
Hyatt Leverage program membership — Chase: 'Complimentary membership' in Hyatt Leverage, Hyatt's small/medium business travel program, with 'up to 15% off standard room rates at participating Hyatt hotels' (Upgraded Points adds 5% off qualifying Oasis home rentals).
DoorDash DashPass (12 months) + $10 quarterly DoorDash discount — 12 months of complimentary DashPass (DoorDash and Caviar) when activated with this card by 12/31/2027, plus up to $10 off one qualifying non-restaurant DoorDash order each calendar quarter through 2027. Checkout discount, not a statement credit.
No foreign transaction fees
Primary auto rental CDW for business rentals — Chase: primary coverage when renting for business purposes, up to $60,000 for collision damage and theft on rental vehicles with an MSRP of $125,000 or less, when you decline the rental company's collision insurance and pay with the card. HelloSafe: secondary for personal rentals; up to 31 consecutive days.
Trip cancellation / interruption insurance — Chase: 'reimbursed up to $1,500 per covered traveler and $6,000 per trip' for pre-paid, non-refundable passenger fares when a trip is canceled or cut short by sickness, severe weather or other covered situations.
Purchase protection — Chase: new purchases covered for 120 days (90 days for New York residents) against damage or theft, up to $10,000 per item; $50,000 per account (Upgraded Points, HelloSafe).
Extended warranty — Chase: extends eligible U.S. manufacturer warranties of three years or less by one additional year (four years maximum total).
Roadside dispatch (pay-per-use) — Chase: dispatch for roadside emergencies; service fees billed to the card at time of dispatch. HelloSafe: U.S. and Canada, 24 hours.
Lost luggage reimbursement (HelloSafe only) — HelloSafe (Guide to Benefits summary, 2026-06): up to $3,000 per person per trip for checked and carry-on bags, $500 sub-limits for jewelry/watches and cameras/electronics. Not listed on Chase's card or travel-benefits pages or by Upgraded Points.
Travel accident insurance (HelloSafe only) — HelloSafe: $500,000 common carrier / $100,000 24-hour accidental death and dismemberment. Not listed on Chase's card or travel-benefits pages.
Travel and emergency assistance — Chase: legal and medical referrals and assistance services while traveling; cardholder pays for any goods or services obtained. No emergency medical coverage.

Protections

purchase protection	120 days (90 for NY residents), up to $10,000 per item / $50,000 per account
extended warranty	+1 year on U.S. manufacturer warranties of 3 years or less, up to 4 years total (HelloSafe: $10,000 per item)
trip cancellation	Up to $1,500 per covered traveler / $6,000 per trip
trip delay	Conflicting: not listed on Chase's card or travel-benefits pages, and Upgraded Points does not list it; HelloSafe (2026-06) lists $500 per person after 12 hours
baggage delay	Conflicting: not listed on Chase's card or travel-benefits pages, and Upgraded Points does not list it; HelloSafe (2026-06) lists $100/day up to 5 days after 6 hours
lost luggage	Up to $3,000 per person (HelloSafe; not on Chase's pages)
rental car	primary
cell phone	Not included
roadside	Roadside dispatch (pay-per-use, fees billed to card at dispatch)
travel accident	Up to $500,000 common carrier / $100,000 24-hour (HelloSafe; not on Chase's pages)

Notes

Business card (sole proprietors qualify); does not add to your Chase 5/24 count after approval (US Credit Card Guide). The 2x 'top three spend categories each quarter' is automatic and modeled in choice_categories (top 3 of 8, chosen by Chase from actual spend each calendar quarter); fitness/gym and Peloton earn 2x always. The $100 Hyatt credit is two separate $50 credits per anniversary year, each triggered by a single $50+ Hyatt charge. Rewards Program Agreement RPA0537 revised 01/15/2026. 2026 changes: Hyatt restructured its award chart on 2026-05-20 (five price tiers replace Off-Peak/Standard/Peak; 112 hotels moved up a category, 24 down), which raises the points cost the 10% rebate applies to; Chase Ultimate Rewards transfers to Hyatt from Sapphire Preferred / Ink Business Preferred drop to 4:3 (new applicants from 2026-06-15, existing cardholders from 2026-10-01; Sapphire Reserve stays 1:1). DashPass promo (12 months free + $10/quarter off one non-restaurant order) requires activation by 2027-12-31. Sign-up bonus history: 80k/$10k (expired 2026-04-30), 70k/$7k (from ~2026-07-16, current 2026-09). Trip delay and baggage delay coverage are disputed between sources; treat as not available until Chase's Guide to Benefits is checked. APR: Chase's card page shows 19.24%-27.74% variable while the Hyatt cards overview page shows 19.24%-29.99% (2026-09).

Verified 2026-09-08 · confidence high · sources: 1, 2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15