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.
Moreover the plain distinction between a private product and a enterprise product, these two Hyatt playing cards have important variations. Would it not make sense to have each the World of Hyatt card and the World of Hyatt Enterprise Credit score Card? In some cases, for these seeking to attain greater thresholds of elite standing with out resort stays, sure.
Here 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 — evaluate 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 a further 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 night time 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 the same 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, which means you is probably not 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 private World of Hyatt Credit score Card, which has a decrease $95 annual payment. You may earn 35,000 bonus factors after spending $3,000 on purchases within the first three months, plus as much as a further 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.
As compared, the World of Hyatt Enterprise Credit score Card has the next $199 annual payment. You may earn 60,000 bonus factors after spending $5,000 on purchases within the first three months from account opening, plus 1 free night time 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 line with our valuations, the factors you possibly can earn with this welcome supply are price $1,020. That is not together with the potential worth of the class 1-4 free night time 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.
Each the World of Hyatt card and the World of Hyatt Enterprise card will robotically get you entry-level Hyatt Discoverist standing. Whereas perks are pretty restricted, you will nonetheless get pleasure from advantages like 2 p.m. late checkout, a day by day bottle of water and upgrades to most well-liked rooms throughout the similar room class. Each playing cards additionally supply the next:
On the World of Hyatt bank card specifically, one of the engaging advantages is the annual free night time certificates at a Class 1-4 Hyatt property, which you will obtain each account anniversary.
This perk alone will be price rather more than the cardboard’s $95 annual payment. You may additionally get a second free night time after spending $15,000 in a calendar yr.
In the meantime, as a substitute of free night time awards, the World of Hyatt Enterprise bank card focuses extra on advantages that can be utilized for a number of individuals, which is sensible when you think about Hyatt is focusing on the first cardholder and any potential staff.
First, you possibly can reward Discoverist standing to as much as 5 staff. Incomes standing for 5 others with one card is fairly laborious to beat. What’s extra, there isn’t any payment for worker enterprise playing cards (although be aware 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 once you spend $50 or extra at any Hyatt property (earned as $50 in assertion credit as much as two instances).
Winner: Tie, relying on what you are searching for in a card — although the private card and its free night time(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 gymnasium 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 further bonus classes will change based mostly in your spending.
World of Hyatt Enterprise cardholders will earn 2 factors per greenback on their prime three spending classes every calendar quarter. These classes embody the next:
- Airline tickets bought straight with the airline
- Automobile rental businesses
- Eating
- Fuel stations
- Web, cable and cellphone providers
- Native transit and commuting
- Transport
- Social media and search engine promoting
In whole, the World of Hyatt Enterprise card and the private World of Hyatt card overlap in 5 bonus classes. The enterprise card has 5 distinctive bonus classes that differ from the private card.
One important upside of the enterprise card is the flexibleness of incomes bonuses based mostly on particular bills every quarter.
Winner: One other tie. Which card works greatest 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 similar.
Probably the greatest methods to make use of Hyatt factors is to redeem them without spending a dime resort nights. Redemptions for traditional rooms begin at 5,000 factors per night time at Class 1 accommodations and 40,000 factors per night time at Class 8 accommodations. Premium suites go for as a lot as 60,000 factors per night time at Class 7 accommodations on normal nights.
Nevertheless, be aware that with Hyatt’s shift to peak and off-peak pricing, Class 1 properties often drop to as little as 3,500 factors per night time, whereas Class 8 properties generally climb to as excessive as 45,000 factors per night time for traditional rooms.
You too can redeem Hyatt factors for room upgrades, eating on-property, spa therapies 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, in order that they have the identical redemption choices.
Ought to I get the World of Hyatt or World of Hyatt Enterprise?
Carrying the World of Hyatt card and the World of Hyatt Enterprise bank card may unlock the flexibility to double dip on advantages. The elite night time credit earned on each playing cards may help you degree up your standing with the World of Hyatt program and safe Milestone Rewards, which embody perks like bonus factors and suite upgrades.
That mentioned, the private 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 flexibility to earn one other free night time certificates after spending $15,000 in a calendar yr. In the event you’re searching for larger flexibility, the World of Hyatt Enterprise card is a more sensible choice.
Associated: Why I intention to spend $15K on my World of Hyatt Credit score Card annually
Backside line
Hyatt has an ever-growing footprint and one of the profitable resort loyalty packages. In the event you’re seeking to earn top-tier World of Hyatt Globalist standing, the elite night time credit you possibly can earn by way of spending on each the World of Hyatt card and the World of Hyatt Enterprise card could assist speed up that progress and justify having each.
Now’s 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 study extra, learn our full evaluations 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
