World of Hyatt Business Credit Card
Basic Information
Program ID: world-of-hyatt-business-credit-card
Issuer: Chase
Card Type: Credit
Network: Visa
Card Tier: Business
Data Complete: Yes
Created: 01/15/2026 16:18
Last Scraped: 01/15/2026 16:20
Fee Structure
| Annual Fee: | $95.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $-5.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,824.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 0 months
Balance Transfer APR: 2,824.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $15,000.00
Time Period: 180 days
Bonus Timing: Typically within 6-8 weeks after the spending requirement is met and the statement closes, but often posts sooner.
Rewards Program
Reward Type: Hyatt Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 4.00%
Bonus Categories: 4x on Hyatt purchases; 2x on the top 2 of 8 spend categories each quarter (up to $50,000 in combined spend per calendar year across these categories: dining, shipping, airline tickets purchased directly with the airline, local transit and commuting, social media and search engine advertising, car rental agencies, gas stations, and internet, cable, and phone services); 2x on fitness and wellness club memberships; 1x on all other eligible purchases.
Point Value Estimate: 0.0200 cents/point
Expiration Policy: Points expire if there is no activity on the account for 24 consecutive months.
Transfer Partners: N/A (Hyatt points are a proprietary hotel currency)
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Hotel Status: Hyatt Discoverist
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the World of Hyatt Business Credit Card in 2026, applicants must meet several key Chase and product-specific criteria. The primary application rule is the Chase 5/24 rule: applicants must not have opened 5 or more personal credit card accounts across *any* issuer in the past 24 months. While Chase business cards do not count towards your 5/24 total, you must be under 5/24 to be approved for a new Chase business card. Bonus eligibility requires that the applicant has not received a new cardmember bonus for the World of Hyatt Business Credit Card in the past 24 months. This rule applies specifically to this product and not necessarily other Hyatt co-branded cards. Applicants must operate a legitimate business (e.g., sole proprietorship, LLC, corporation) and provide business details such as revenue, industry, and potentially an EIN or SSN for sole proprietors. Chase will assess the business's legitimacy and financial health. A strong personal credit history (typically 700+ FICO score) is also required. Chase may also consider the applicant's total credit exposure across all existing Chase accounts; if deemed too high, they may require credit reallocation or deny the application.
Maximum Cards Per Issuer: 7
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) activities, excessive credit limit across all Chase cards, rapid application for multiple new cards in a short period, frequent balance transfers without genuine spending, misrepresentation of business income or activity, repeated late payments, or suspicious account activity.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 4.1 / 5.0
Top Positive Feedback:
Excellent earning on Hyatt stays and bonus categories, valuable free night certificate, pathway to elite status, solid travel benefits.
Top Negative Feedback:
Annual fee can be high for those who don't maximize Hyatt benefits, limited redemption flexibility outside of Hyatt properties, bonus categories might not align with all business spending.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Ink Business Preferred
- American Express Business Gold Card
- Capital One Spark Miles for Business
Card Value Score: 88.0 / 100
Est. Annual Rewards: $2,240.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 84 months
Store vs Co-brand: 30% Brand-Specific / 70% General Business
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v2024.01