Is the World of Hyatt Business card worth the annual fee?
Editor's Note
The World of Hyatt Business Credit Card (see rates and fees) can offer substantial value to business owners who are Hyatt loyalists or otherwise spend a lot of money at Hyatt properties.
But is the card the right choice for you, and can you justify its $199 annual fee?
Here's a quick look at what you get from the World of Hyatt Business card so you can see for yourself.
Welcome offer
New applicants for the World of Hyatt Business can earn 60,000 bonus points after spending $5,000 on purchases in the first three months from account opening.
TPG's May 2025 valuations peg World of Hyatt points at 1.7 cents each, making the bonus points worth $1,020. This is the regular amount of points offered on the card.
You'd have to stay 30 nights or spend $10,000 with Hyatt to earn the 50,000 base points required.
Explorist status offers several benefits, including best available upgrades (excluding suites and rooms with Club lounge access), guaranteed availability 72 hours before arrival and a 20% points bonus.
The most straightforward way to use your World of Hyatt points is for hotel stays with World of Hyatt. These redemptions can include free night awards and Points + Cash payments. You can also redeem points for dining, spa or meeting credits, plus Find Experiences, rental cars and room upgrades.
You can also top up your World of Hyatt account with 1:1 transfers from Chase Ultimate Rewards. If you don't currently have an Ultimate Rewards points-earning card, you may want to consider applying for one since those points are so flexible and valuable.
Related: 22 best Hyatt hotels in the world
Annual Hyatt credits
With the World of Hyatt Business, you'll get a $50 statement credit when you use your card to spend $50 or more at Hyatt hotels and resorts — up to twice per year, for a total of $100 in annual credits.
If you can take advantage of these simple credits, you'll effectively bring the card's annual fee down to $99. Room service and on-property spa treatments are two great ways to easily use this benefit.
Related: Do all-inclusives make spending on Hyatt credit cards more lucrative?
Complimentary elite status
As a World of Hyatt Business cardholder, you'll receive complimentary Discoverist status each year. Although this is just one step above base-level status, Discoverist status is still valuable as some decent perks are provided.
For instance, you'll enjoy discounted hotel rates for members, complimentary bottled water during your stay, late checkout (when available) and preferred room upgrades within the same room category.
Cardholders can also gift Discoverist status to five employees, stretching your annual fee even further.
Furthermore, resort fees (where applicable) are waived when you stay at a hotel using points or free night awards.
Related: World of Hyatt card vs. World of Hyatt Business card: 2 valuable hotel earners
Spend to status
If you have the World of Hyatt Business, you'll also receive five tier-qualifying night credits for every $10,000 you spend each calendar year.
Plus, if you spend at least $50,000 in a calendar year, you'll get 10% bonus points back for the rest of the year (on up to a total of 200,000 World of Hyatt points redeemed). While that's a high spending requirement, this is a useful perk if your business organically spends that much each year.
Those are solid benefits to stack if you spend bundles on big hotel stays.
Related: Why I aim to spend $15K on my World of Hyatt Credit Card each year
Other perks
In addition to the above, you'll enjoy multiple travel protections, including an auto rental collision damage waiver and trip interruption and cancellation insurance.
You'll also earn 4 points per dollar spent at Hyatt hotels and 2 points per dollar spent on fitness club and gym membership purchases, which most other cards do not offer as a bonus category.
Additionally, cardholders earn 2 points per dollar spent in your top three out of eight spending categories each quarter. Categories include:
- Airline tickets (purchased directly from the airline)
- Car rental agencies
- Dining
- Gas stations
- Internet, cable and phone services
- Local transit and commuting
- Social media and search engine advertising
- Shipping
You'll earn 1 point per dollar on all other spending. With other credit cards, you can earn much better than a 1.7% return on non-bonus spending, but it's worth considering how these purchases can be more valuable when helping you earn tier-qualifying nights toward status each year.
Related: 3 reasons you need a credit card with your favorite hotel brand
Bottom line
If you can utilize the $100 in annual Hyatt credits, the annual fee on the World of Hyatt Business is already effectively reduced to $99. Couple those with the numerous Hyatt perks and earnings rates on the card, and it's easily worth the annual fee if you're a small business that often stays at Hyatt properties.
Also, while Discoverist status isn't noteworthy by itself, the fact that you can gift it to five others is solid.
That said, the fact that the card doesn't offer an annual free night certificate and includes high spending requirements to receive certain benefits means you might get more value from a different card. If you're only an occasional Hyatt guest, a general travel rewards credit card or the personal version of this card is a better choice.
To learn more, read our full review of the World of Hyatt Business card.
Apply here: World of Hyatt Business Credit Card
TPG featured card
Rewards
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro offer
Annual Fee
Recommended Credit
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.
Rewards Rate
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 3X | Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com. |
| 2X | Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Intro Offer
You may be eligible for as high as 100,000 Membership Rewards® Points after spending $6,000 in eligible purchases on your new Card in your first 6 months of Membership. Welcome offers vary and you may not be eligible for an offer.As High As 100,000 points. Find Out Your Offer.Annual Fee
$325Recommended Credit
Credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.Excellent to Good
Why We Chose It
There’s a lot to love about the Amex Gold. It’s a fan favorite thanks to its fantastic bonus-earning rates at restaurants worldwide and at U.S. supermarkets. If you’re hitting the skies soon, you’ll also earn bonus Membership Rewards points on travel. Paired with up to $120 in Uber Cash annually (for U.S. Uber rides or Uber Eats orders, card must be added to Uber app and you can redeem with any Amex card), up to $120 in annual dining statement credits to be used with eligible partners, an up to $84 Dunkin’ credit each year at U.S. Dunkin Donuts and an up to $100 Resy credit annually, there’s no reason that foodies shouldn’t add the Amex Gold to their wallet. These benefits alone are worth more than $400, which offsets the $325 annual fee on the Amex Gold card. Enrollment is required for select benefits.Pros
- 4 points per dollar spent on dining at restaurants worldwide and U.S. supermarkets (on the first $50,000 in purchases per calendar year; then 1 point per dollar spent thereafter and $25,000 in purchases per calendar year; then 1 point per dollar spent thereafter, respectively)
- 3 points per dollar spent on flights booked directly with the airline or with amextravel.com
- Packed with credits foodies will enjoy
- Solid welcome bonus
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $6,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 3X Membership Rewards® points per dollar spent on flights booked directly with airlines or on AmexTravel.com.
- Earn 2X Membership Rewards® points per dollar spent on prepaid hotels and other eligible purchases booked on AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- $120 Uber Cash on Gold: Add your Gold Card to your Uber account and get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an American Express Card for your transaction. That’s up to $120 Uber Cash annually. Plus, after using your Uber Cash, use your Card to earn 4X Membership Rewards® points for Uber Eats purchases made with restaurants or U.S. supermarkets. Point caps and terms apply.
- $84 Dunkin' Credit: With the $84 Dunkin' Credit, you can earn up to $7 in monthly statement credits after you enroll and pay with the American Express® Gold Card at U.S. Dunkin' locations. Enrollment is required to receive this benefit.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year after you pay with the American Express® Gold Card to dine at U.S. Resy restaurants or make other eligible Resy purchases. That's up to $50 in statement credits semi-annually. Enrollment required.
- $120 Dining Credit: Satisfy your cravings, sweet or savory, with the $120 Dining Credit. Earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, and Five Guys. Enrollment required.
- Explore over 1,000 upscale hotels worldwide with The Hotel Collection and receive a $100 credit towards eligible charges* with every booking of two nights or more through AmexTravel.com. *Eligible charges vary by property.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.