There’s an increased welcome offer out for the Chase World of Hyatt Business card, but it comes with a fairly sizeable spend requirement: you’ll get 60k Hyatt points after spending $5k within the first three months, then an additional 15k after spending a total of $12k within the first 12 months.
This card won’t offer the most points per dollar, but it can be a good fit for big spenders who want a (slightly) easier path to status. If you’re just looking for Hyatt points, don’t forget about the better offers on the Chase Ink Business Preferred, Ink Business Unlimited and the Ink Cash cards, as Hyatt is a 1-1 transfer partner with Chase Ultimate Rewards.
Offer and Card Details
| Card Offer and Details |
|---|
Up to 75K points ⓘ Affiliate 60K after $5,000 spend in 3 months plus an additional 15K after spending a total of $12k within the first 6 months.$199 Annual Fee This card is subject to Chase's 5/24 rule. FM Mini Review: Great for its initial bonus and for Hyatt enthusiasts to spend toward status and rebate on award stays. Earning rate: ✦ 2X in the top 3 spend categories each calendar quarter through 12/31/24 (then the top 2 categories after that). Eligible categories include dining; airline tickets purchased directly with the airline; car rental agencies; local transit and commuting; gas stations; internet, cable and phone services; social media and search engine advertising; and shipping ✦ 4X Hyatt and Mr & Mrs Smith Card Info: Visa Signature issued by Chase. This card has no foreign currency conversion fees. Big spend bonus: Get 5 elite qualifying night credits every time you spend $10,000 in purchases. ✦ After $50K spend in a calendar year, get 10% back on redeemed points for the rest of that calendar year (Up to 20K points back per year). Noteworthy perks: Discoverist elite status ✦ Ability to gift Discoverist to up to 5 employees (they do not need to be cardholders) ✦ Up to $100 each cardmember year in Hyatt statement credits: Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year. |
Quick Thoughts
First off, the initial part of the offer is the same as before: 60,000 points after $5k in spend within the first 3 months. The second part is new: an additional 15,000 bonus points after spending $12k within 6 months. So, effectively, you get 15k points for that additional $7k in spend. That won’t be worth it for many folks, but some may find it appealing.
The key benefits of the card are:
- An “adaptive” 2x that rewards you for your top three spend categories each calendar quarter through 12/31/24 (then the top two categories after that).
- 5 elite night credits with each $10K spend
- 10% back on redeemed points after spending $50K in a calendar year (Up to 20K points back per year). Note that the rebate kicks in on stays completed after reaching $50K in purchases.
- Up to $100 in Hyatt credits: Spend $50 or more at any Hyatt property in the world and get a $50 statement credit up to twice per cardmember year.
- Discoverist status for the cardholder and the ability to gift that status to 5 employees (those employees do not have to be employee cardholders)
- Unlike the consumer card, this does not come with an annual free night certificate or annual elite night credits.
If you were able to do the majority of that additional $7k in the adaptive bonus categories, you’d end up with 29,000 points (14k from the spend and 15k from the bonus), or a little over 4 Hyatt points per dollar. You’d also get five elite night credits for hitting $10k on the card. For folks hunting Globalist status, that might be enough of a win to make that $7k worth it. Others will want to just go for the initial 60,000 points.
After the first year, it’s worth considering whether it makes sense to hang onto the card. I continue to keep it since I can easily use the twice-yearly $50 credits and I value the ability to manufacture 5 elite night per $10k in spend. For many, though, the math won’t work out.
| Chase's 5/24 Rule: With most Chase credit cards, Chase will not approve your application if you have opened 5 or more cards with any bank in the past 24 months. To determine your 5/24 status, see: 3 Easy Ways to Count Your 5/24 Status. The easiest option is to track all of your cards for free with Travel Freely. |
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