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Editor’s note: This is a recurring post, regularly updated with new information and offers. 

Since 2018, Hyatt has offered two of the most well-rounded hotel cards with the World of Hyatt Credit Card and World of Hyatt Business Credit Card.

Besides the obvious distinction between a personal product and a business product, these two Hyatt cards have significant differences. Would 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 cards from Hyatt and Chase — and whether it makes sense to add either (or both) to your wallet.

World of Hyatt vs. World of Hyatt Business 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 credit card — compare with one another.

World of Hyatt vs. World of Hyatt Business welcome offers

While the two Hyatt cards offer a similar amount of bonus points, they differ in how new cardholders can earn their welcome bonuses.

Also, 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.

Let’s start with the personal World of Hyatt Credit Card, which has a lower $95 annual fee. You’ll earn 35,000 bonus points after spending $3,000 on purchases in the first three months, plus up to an additional 30,000 bonus points by earning 2 bonus points total per $1 spent in the first six months from account opening on purchases that normally earn 1 bonus point, on up to $15,000 spent. This offer ends on March 6.

Based on TPG’s February 2025 valuations, this welcome offer is worth up to $1,105.

In comparison, the World of Hyatt Business Credit Card has a higher $199 annual fee. You’ll earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening, plus 1 free night at any category 1-4 Hyatt hotel after spending $15,000 on purchases in the first six months of account opening. This offer ends on March 6.

According to our valuations, the points you can earn with this welcome offer are worth $1,020. That’s not including the potential value of the category 1-4 free night certificate.

Winner: The World of Hyatt Business. The spending requirements are more straightforward.

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 Hyatt 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:

• Complimentary roadside dispatch
• Extended warranty protection
• No foreign transaction fees
• Purchase protection
• Various travel protections, like trip cancellation/interruption insurance

On the World of Hyatt credit card in particular, one of the most attractive 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’ll also get a second free night after spending $15,000 in a calendar year.

Meanwhile, instead of free night awards, the World of Hyatt Business credit 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: Tie, depending on what you’re looking for in a card — though the personal card and its free night(s) likely give that card the edge for many.

Earning points on the World of Hyatt vs. World of Hyatt Business

First, there are several similarities with 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. The World of Hyatt card also offers the following bonuses:

• 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, with the World of Hyatt Business card, your additional bonus categories will change based on your spending.

World of Hyatt Business cardholders will earn 2 points per dollar on their top three spending categories each calendar quarter. Those categories include the following:

• Airline tickets purchased directly with the airline
• Car rental agencies
• Dining
• Gas stations
• Internet, cable and phone services
• Local transit and commuting
• Shipping
• Social media and search engine advertising

In total, the World of Hyatt Business card and the personal World of Hyatt card overlap in five bonus categories. 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 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 will be 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 5,000 points per night at Category 1 hotels and 40,000 points per night at Category 8 hotels. Premium suites go for as much as 60,000 points per night at Category 7 hotels on standard nights.

However, note that with Hyatt’s shift to peak and off-peak pricing, Category 1 properties occasionally drop to as low as 3,500 points per night, while Category 8 properties sometimes climb to as high as 45,000 points per night for standard rooms.

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 still recommend using your points for booking Hyatt 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?

Carrying the World of Hyatt card and the World of Hyatt Business credit card could unlock the ability to double dip on benefits. The elite night credits earned on both cards can help you level up your status with the World of Hyatt program and secure Milestone Rewards, which include perks like bonus points and suite upgrades.

That said, the personal Hyatt card will likely be a better fit for most, as it offers a lower annual fee, a free Category 1-4 certificate upon renewal and the ability to earn another free night certificate after spending $15,000 in a calendar year. If you’re looking for greater flexibility, the World of Hyatt Business card is a better choice.

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 full reviews of the World of Hyatt card and the World of Hyatt Business card.

Apply here: World of Hyatt Credit Card
Apply here: World of Hyatt Business Credit Card