World of Hyatt Business
Chase$199 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Welcome bonus
70,000points
after $7,000 in purchases in the first 3 months
In line with past offers.
5/24 Rule, 24 Month Rule and 4 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus70,000 points at 1.5¢ | $1,050 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$75 |
| Credits you'll likely useof $340 face value | +$144 |
| Annual fee | −$199 |
| Meeting the $7,000 minimumearns 1.5% here vs 2% on Double Cash | −$35 |
| First year | $1,035 |
| Each year after | +$267 |
Not counted in the first year: status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 2X | Top 3 spend categories each quarterauto-selected from: Dining, Flights booked directly with airlines, Car rentals, Transit, Gas Stations, Internet/cable/phone services, Social media and search engine advertising, Shipping | 3% |
| 4X | Hyatt purchases | 6% |
| 4X | Mr & Mrs Smith purchases | 6% |
| 2X | Fitness clubs and gym memberships | 3% |
| 1X | Everything else | 1.5% |
+ 1 more rate
| Rate | Category | Return |
|---|---|---|
| 2X | Peloton membership and equipment | 3% |
Noteworthy perks
- Hyatt$100 a year
- Instacart$120 a year
- World of Hyatt Discoverist
Business card · Earns World of Hyatt
Benefits
Credits & Perks (3)
- Hyatt: $100 (Annual Cardmember Year)
A $50 statement credit per qualifying Hyatt purchase (a single transaction of $50 or more at Hyatt hotels and resorts), up to 2 times each anniversary year, for a total of $100
- Instacart coupon: $10 off 1 order (Monthly)
Instacart+ membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on Instacart orders with active Instacart+ membership (enroll by 12/31/27; coupons end 12/31/27)
- DoorDash Grocery/Retail, monthly coupon: $10 off 1 order (Monthly)
DashPass membership required · Activation required · One coupon per order; unused value does not carry over or pool
Monthly coupon on non-restaurant DoorDash orders with DashPass (DashPass first activated between 09/01/26 and 12/31/27 with the card; the coupon continues while you stay enrolled)
Elite status (3)
- World of Hyatt: Discoverist
- World of Hyatt: Discoverist
- World of Hyatt: 5 tier-qualifying night credits for every $10K spent in a calendar year
Protections (7)
- Travel Accident Insurance, up to $500,000, Up to $500,000 for death/dismemberment on common carrier
- Trip Cancellation/Interruption, up to $1,500, Up to $1,500 per covered traveler, $6,000 per trip for pre-paid, non-refundable passenger fares
- Trip Delay, up to $500, Up to $500 per ticket for delays over 12 hours or requiring overnight stay
- Baggage Loss/Delay, up to $3,000, Up to $3,000 per trip for lost/delayed baggage
- Purchase Protection, up to $10,000, 120 days coverage for theft/damage up to $10,000 per item
- Extended Warranty, up to $10,000, Extends manufacturer's warranty by 1 year (max 3 years original, max 4 years total)
- Auto Rental Collision Damage Waiver (primary), up to $60,000, Primary coverage for business rentals up to $60,000 for collision damage and theft; covers vehicles with MSRP up to $125,000
Other Perks
- Complimentary Instacart+ membership for 3 months (enroll by 12/31/27)
- Complimentary DoorDash DashPass for 12 months (enroll by 12/31/27)
- 10% back on redeemed points after $50K spend annually (up to 20K points back)
- Hyatt Leverage program: up to 15% off standard room rates at participating Hyatt hotels
- Employee cards at no additional cost
- Award bookings up to 13 months in advance (one month before general members)
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from null to Hyatt BusinessOct 8, 2026
- changed from null to 7000Aug 13, 2026
- changed from null to 90Aug 13, 2026