Hyatt offers two of the most comprehensive hotel cards: The World of Hyatt Credit Cards (See rates and fees) and The World of Hyatt Business Credit Cards (See rates and fees).
In addition to the obvious difference between personal and commercial products, the two Hyatt cards also have significant differences.
So, does it make sense to have a world of Hyatt and Hyatt business credit cards? In some cases, for those who want to reach a higher threshold for elite status without hotel accommodation, yes.
Here’s a closer look at these two chase cards – and whether adding (or both) in your wallet makes sense.
Comparison between Hyatt World and Hyatt Card World
First, let’s take a look at the way these two Hyatt cards are advanced – The World of Hyatt Cards and The World of Hyatt Cards – Comparing each other.
| The World of Hyatt Credit Cards | The World of Hyatt Business Credit Cards | |
|---|---|---|
| Welcome offer | Spend $4,000 in the first three months of opening an account, earning two free nights (at any 1-4 Hyatt Regency). In addition, $12,000 was spent in the first six months of opening an account, earning 25,000 bonus points. The offer ends on August 28. | From the first three months of account opening, earn 60,000 bonus points after spending $5,000 in the first three months of purchase. |
| Annual fee | $95 | $199 |
| Income rate |
|
|
| Other benefits |
|
|
Hyatt World and Hyatt World business welcome offer
this The World of Hyatt Cards (Personal Version) Currently offering tiered bonuses, combining free nights and dots:
- Earn two free nights in any category 1-4 Hyatt Hotels during the first three months of opening from the account
- In addition, $12,000 was spent in the first six months of opening an account, earning 25,000 bonus points.
This offer lasts until August 28.
The bonus is worth $1,037 per TPG’s August 2025 valuation. This is based on meeting the minimum spending requirements and using two free night books for Category 4 properties on peak dates, at 18,000 points respectively.
Reward your inbox with TPG Daily Newsletter
Join over 700,000 readers for breaking news, in-depth guides and exclusive deals from TPG experts
on the contrary, The World of Hyatt Cards There is a much simpler bonus: I earned 60,000 bonus points in the first three months of opening an account.
According to our August 2025 valuation, these bonus points are worth $1,020, which is only $17 less than the bonus value of the personal card. However, points are more flexible than free Night Book, so if welcome bonuses are the main factor in your decision, the business version is better.
Since Chase issues these two cards, they comply with the issuer’s 5/24 rules, meaning that if you have opened five or more personal credit cards in all banks over the past 24 months, you may not get approval.
winner: Business. For lower minimum spending requirements, you will get more flexible points.
Hyatt World and the World of Hyatt Business Welfare
First, let’s discuss the similarities between the benefits of these two cards.
Both The World of Hyatt Cards and The World of Hyatt Cards The entry-level discoverer status will be automatically obtained. While the allowance is quite limited, you will still enjoy the benefits of such as 2pm checkout, daily water and upgrading to preferred rooms in the same room category.
Both cards provide the following:
One of the most useful benefits of a personal card is the annual free night certificate for Hyatt Hotels in categories 1-4, and you will receive an anniversary for each account. This allowance alone can be much more than the $95 annual fee for the card. You can also get a second free night after spending $15,000 in a calendar year.
Meanwhile, the card is not a free night award, but focuses on the benefits that can be used for multiple people, which makes sense when you consider Hyatt targeting the main cardholder and any potential employees.
First, you can get gift discoverer identity for up to five employees. It is hard to beat to win the earning status of five people with one card. Additionally, there is no fee for employee business cards (although please note that these employee cards are not granted status).
Once you spend $50,000 or more during the calendar year, you will get 10% of the redemption point for the rest of the calendar year (up to 200,000 points can be returned per year). Additionally, you will spend $50 or more at any Hyatt hotel (earn twice with a $50 instructional credit line).
winner: Personal. Its free night(s) offers an advantage for many people – unless you want to give stipends to your employees.
Winning Points in Hyatt World and Hyatt Enterprise World
There are several similarities in income rates.
For two The World of Hyatt Cards and The World of Hyatt Cardsyou earn 4 points per dollar with Hyatt, spend 2 points per dollar on gym and fitness membership and 1 point per dollar on all other qualified purchases.
However, there are some significant differences, and personal card income is also:
- Spend 2 points per dollar on local transportation and commuting
- Spend 2 points per dollar at a restaurant
- Spend 2 points directly on airline tickets purchased by the operator
Meanwhile, the extra bonus category for this business card will vary based on your spending, and the quarterly spending category earns 2 points on your first three spending categories. These categories include:
- Use airline tickets purchased directly
- Car rental agency
- Have a meal
- Gas station
- Internet, cable and telephone services
- Local transportation and commuting
- Shipping
- Social media and search engine advertising
These two cards overlap in five bonus categories, with business cards having five unique bonus categories, unlike personal cards. A major advantage of a business card is the flexibility to get bonuses based on a specific fee per quarter.
winner: Another tie. Which card is best for you depends on your value in the income category and how much flexibility you need.
Redemption Points at Hyatt World and Hyatt Enterprise World
Since both Hyatt credit cards are part of the Hyatt Plan world, their redemption options are the same.
One of the best ways to use Hyatt Point is to redeem them for free hotel nights. The redemption price for standard rooms starts at 3,500 per night at 35,000 per night at 8 hotels. Superior Suites earn up to 90,000 per night at 8 hotels on peak dates.
You can also redeem the Hyatt upgrades, dine on real estate, spa treatments and find experiences. These redemptions only start at 1000 minutes. However, we recommend using your point of view to booking a hotel accommodation because that is where you are most valuable.
winner: Tie. Both cards earn Hyatt points, so they have the same redemption options.
Should I get the World of Hyatt or the World of Hyatt Enterprise?
For most people Personal card Suitable for its lower annual fee, renewing the free category for 1-4 nights, while doing $15,000 after $15,000 per year. but, business card If you want more flexibility, it is a stronger choice. These two cards together, and you can let you stack Elite Night Points to get to the state faster.
Related: Why I plan to spend $15,000 on my Hyatt credit card per year
Bottom line
Hyatt has a growing footprint and is one of the most profitable hotel loyalty programs. If you want to win the top world of Hyatt Globalist status, then the elite night points you can earn in Hyatt Cards and Hyatt Business Cards may help speed up this progress and prove both.
Now, as always, consider whether (or both cards) makes sense to you. That said, we still have hope and patiently wait for premium Hyatt Cards to join the Hyatt Cards combo.
To learn more, read our Hyatt Card Review World and Hyatt Business Card Review World.
Apply here: The World of Hyatt Cards
Apply here: The World of Hyatt Cards
Related: Why I Love My Hyatt Credit Card World
