Points · Visa · $199 annual fee
Last verified 2026-09-09. Review issuer source
Chase World of Hyatt Business is a $199-a-year points card from Chase. It earns 1x on purchases, which puts it behind most rewards cards; you hold it for the account itself, not the rewards. Rewards are World of Hyatt Loyalty Program points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $73,200 a year it earns $244, which clears the $199 fee with $45 to spare before any credits or perks. The welcome bonus, 70,000 points after $7,000 in 3 months, is the strongest reason to open it in a given year.
Keep business spending on it for the separate statement alone; the rewards are the extra. Check the issuer's other business card before deciding, since the categories differ more than the fees do.
Earn 70,000 Bonus Points after you spend $7,000 on purchases within the first 3 months of account opening.
Spend $50,000 in a calendar year and get 10% of your redeemed points back for the rest of the year, on up to 200,000 points redeemed.
Earn 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
Decline the rental company's collision insurance and charge the entire rental cost to your card. Coverage is primary when renting for business purposes and provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
Get complimentary Instacart+ Membership and receive unlimited deliveries with $0 delivery fees on eligible orders. Service fees and Terms apply. Benefits end 12/31/27.
Get one-year complimentary DashPass, membership for both DoorDash and Caviar, that provides unlimited deliveries with $0 delivery fees and lower service fees on eligible orders. After that, you are automatically enrolled in DashPass at the current monthly rate. Activate by Dec 31, 2027 Plus, DashPass members get up to $10 off quarterly on non-restaurant DoorDash orders through Dec 31, 2027.
Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.
Give the gift of Discoverist status to up to five employees.
With discounts on standard room rates at all participating Hyatt hotels, the Hyatt Leverage program can offer companies savings up to 15% off standard rates at participating Hyatt hotels worldwide.
Covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
If you run into a problem away from home, call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. (You will be responsible for the cost of any goods or services obtained.)
You can be reimbursed up to $1500 per person and $6,000 per trip for your pre-paid, non-refundable passenger fares, if your trip is canceled or cut short by sickness, severe weather and other covered situations.
Spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
Receive a $10 Instacart credit monthly, up to $120 total each calendar year, for purchases made directly through Instacart with your United Explorer Card. Terms apply. Benefits end 12/31/27.
Receive World of Hyatt Discoverist status for as long as your account is open.
These come from Visa, not from Chase. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
Enjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Lost Luggage Reimbursement will reimburse you up to $3,000 If your checked luggage or carry on baggage is lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). For New York residents coverage is limited to $2,000 per bag.
Eligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Purchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
This is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Enjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Travel Accident Insurance provides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
Get assistance with travel planning, entertainment tickets and more.
Enjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Book your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| World of Hyatt Business Credit CardThis card · 1x on everything | $199 | $244 | +$45 | 739th of 752 |
| Ink Business Unlimited® Credit CardChase's most-held other card · 1.5% on everything | None | $1,098 | +$1,098 | 161st of 752 |
| Edward Jones® Everyday Solutions Business World Elite Mastercard®The strongest no-fee card on this budget · 2x on everything | None | $1,704 | +$1,704 | 1st of 752 |
| Huntington Voice BusinessHighest net return on this budget · 4% on auto maintenance | None | $1,560 | +$1,560 | 2nd of 752 |
Reference budget: office supplies $6,000, internet, phone, and cable $3,600, shipping $6,000, advertising $12,000, software and tech $6,000, gas and ev charging $4,800, dining and restaurants $4,800, travel and transit $6,000, everything else $24,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
