Since 2018, Hyatt has provided two of probably the most well-rounded resort playing cards with the World of Hyatt Credit score Card and World of Hyatt Enterprise Credit score Card.
Apart from the apparent distinction between a private product and a enterprise product, these two Hyatt playing cards have vital variations. Wouldn’t it make sense to have each the World of Hyatt card and the World of Hyatt Enterprise Credit score Card? In some situations, for these seeking to attain greater thresholds of elite standing with out resort stays, sure.
This is a more in-depth take a look at these two playing cards from Hyatt and Chase — and whether or not it is sensible so as to add both (or each) to your pockets.
World of Hyatt vs. World of Hyatt Enterprise comparability
Let’s first take a high-level take a look at how these two Hyatt playing cards — the World of Hyatt card and the World of Hyatt Enterprise bank card — examine with each other.
| World of Hyatt Bank card | World of Hyatt Enterprise Bank card | |
|---|---|---|
| Welcome supply | Earn as much as 65,000 bonus factors: 35,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as an extra 30,000 bonus factors by incomes 2 bonus factors whole per $1 spent within the first six months from account opening on purchases that usually earn 1 bonus level, on as much as $15,000 spent. This supply ends on March 6. | Earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening, plus 1 free evening at any class 1-4 Hyatt resort after spending $15,000 on purchases within the first six months of account opening. This supply ends on March 6. |
| Annual payment | $95 | $199 |
| Incomes charges |
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| Different advantages |
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World of Hyatt vs. World of Hyatt Enterprise welcome gives
Whereas the 2 Hyatt playing cards supply an identical quantity of bonus factors, they differ in how new cardholders can earn their welcome bonuses.
Additionally, since Chase points each of those playing cards, they’re topic to the issuer’s 5/24 rule, that means you might not be accredited if in case you have opened 5 or extra private bank cards throughout all banks within the final 24 months.
Let’s begin with the non-public World of Hyatt Credit score Card, which has a decrease $95 annual payment. You will earn 35,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as an extra 30,000 bonus factors by incomes 2 bonus factors whole per $1 spent within the first six months from account opening on purchases that usually earn 1 bonus level, on as much as $15,000 spent. This supply ends on March 6.
Based mostly on TPG’s February 2025 valuations, this welcome supply is price as much as $1,105.
Compared, the World of Hyatt Enterprise Credit score Card has a better $199 annual payment. You will earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening, plus 1 free evening at any class 1-4 Hyatt resort after spending $15,000 on purchases within the first six months of account opening. This supply ends on March 6.
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In keeping with our valuations, the factors you’ll be able to earn with this welcome supply are price $1,020. That is not together with the potential worth of the class 1-4 free evening certificates.
Winner: The World of Hyatt Enterprise. The spending necessities are extra simple.
World of Hyatt vs. World of Hyatt Enterprise advantages
First, let’s talk about the similarities between these two playing cards’ advantages.
On the World of Hyatt bank card specifically, some of the engaging advantages is the annual free evening certificates at a Class 1-4 Hyatt property, which you will obtain each account anniversary.
This perk alone may be price far more than the cardboard’s $95 annual payment. You will additionally get a second free evening after spending $15,000 in a calendar yr.
In the meantime, as an alternative of free evening awards, the World of Hyatt Enterprise bank card focuses extra on advantages that can be utilized for a number of folks, which is sensible when you think about Hyatt is focusing on the first cardholder and any potential workers.
First, you’ll be able to reward Discoverist standing to as much as 5 workers. Incomes standing for 5 others with one card is fairly exhausting to beat. What’s extra, there isn’t any payment for worker enterprise playing cards (although notice that these worker playing cards don’t confer standing).
When you spend $50,000 or extra on the cardboard in a calendar yr, you will obtain 10% of your redeemed factors again for the rest of the calendar yr (as much as 200,000 factors again per yr). Moreover, you will obtain as much as $100 in Hyatt assertion credit every anniversary yr whenever you spend $50 or extra at any Hyatt property (earned as $50 in assertion credit as much as two occasions).
Winner: Tie, relying on what you are in search of in a card — although the non-public card and its free evening(s) doubtless give that card the sting for a lot of.
Incomes factors on the World of Hyatt vs. World of Hyatt Enterprise
First, there are a number of similarities with incomes charges. For each the World of Hyatt card and the World of Hyatt Enterprise card, you will earn 4 factors per greenback spent with Hyatt, 2 factors per greenback spent on fitness center and health memberships and 1 level per greenback spent on all different eligible purchases.
Nevertheless, there are some notable variations. The World of Hyatt card additionally gives the next bonuses:
In the meantime, with the World of Hyatt Enterprise card, your extra bonus classes will change primarily based in your spending.
World of Hyatt Enterprise cardholders will earn 2 factors per greenback on their high three spending classes every calendar quarter. These classes embrace the next:
- Airline tickets bought immediately with the airline
- Automobile rental companies
- Eating
- Fuel stations
- Web, cable and cellphone companies
- Native transit and commuting
- Transport
- Social media and search engine promoting
In whole, the World of Hyatt Enterprise card and the non-public World of Hyatt card overlap in 5 bonus classes. The enterprise card has 5 distinctive bonus classes that differ from the non-public card.
One vital upside of the enterprise card is the flexibleness of incomes bonuses primarily based on particular bills every quarter.
Winner: One other tie. Which card works finest for you depending on what you worth in your incomes classes and the way a lot flexibility you want.
Redeeming factors on the World of Hyatt vs. World of Hyatt Enterprise
Since each of those Hyatt bank cards are a part of the World of Hyatt program, their redemption choices would be the identical.
Among the finest methods to make use of Hyatt factors is to redeem them at no cost resort nights. Redemptions for traditional rooms begin at 5,000 factors per evening at Class 1 lodges and 40,000 factors per evening at Class 8 lodges. Premium suites go for as a lot as 60,000 factors per evening at Class 7 lodges on normal nights.
Nevertheless, notice that with Hyatt’s shift to peak and off-peak pricing, Class 1 properties often drop to as little as 3,500 factors per evening, whereas Class 8 properties typically climb to as excessive as 45,000 factors per evening for traditional rooms.
You can too redeem Hyatt factors for room upgrades, eating on-property, spa remedies and FIND experiences. These redemptions begin at simply 1,000 factors. Nevertheless, we nonetheless advocate utilizing your factors for reserving Hyatt stays, as that is the place you will discover probably the most worth.
Winner: Tie. Each playing cards earn Hyatt factors, so that they have the identical redemption choices.
Ought to I get the World of Hyatt or World of Hyatt Enterprise?
That mentioned, the non-public Hyatt card will doubtless be a greater match for many, because it gives a decrease annual payment, a free Class 1-4 certificates upon renewal and the power to earn one other free evening certificates after spending $15,000 in a calendar yr. If you happen to’re in search of higher flexibility, the World of Hyatt Enterprise card is a better option.
Associated: Why I intention to spend $15K on my World of Hyatt Credit score Card every year
Backside line
Hyatt has an ever-growing footprint and some of the profitable resort loyalty applications. If you happen to’re seeking to earn top-tier World of Hyatt Globalist standing, the elite evening credit you’ll be able to earn through spending on each the World of Hyatt card and the World of Hyatt Enterprise card might assist speed up that progress and justify having each.
Now could be pretty much as good a time as ever to think about whether or not both (or each) playing cards make sense for you. That mentioned, we’re nonetheless hopeful and patiently ready for a premium Hyatt card to hitch the Hyatt portfolio of playing cards.
To be taught extra, learn our full critiques of the World of Hyatt card and the World of Hyatt Enterprise card.
Apply right here: World of Hyatt Credit score Card
Apply right here: World of Hyatt Enterprise Credit score Card
