World of Hyatt Business

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Score Needed: Good to Excellent

At a glance

Welcome Offer

Earn 60,000 Bonus Points after you spend $5,000 on purchases within the first 3 months of account opening.

Limited Time Offer

New Offer

All time high

Rewards

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Points on other purchases

Intro APR

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Balance Transfer Intro

N/A

Regular APR

Annual Fee

$199

World of Hyatt Business

Unlock a world of travel perks with the World of Hyatt Business Card. Earn 2x points on dining, flights, and more, while enjoying complimentary elite status to elevate your stays. Benefit from an annual free night and no foreign transaction fees, making every business trip rewarding and cost-effective. This card transforms business expenses into memorable experiences.

Application Tips

Get the best results with each application

Application Pending? Check your status online at Chase.com/Customer-Center/Check my app status or by calling 1-888-609-7805 or 1-888-338-2586. Sometimes, all they need is a quick verification.

Thinking About 2 Cards? If you get approved for one Chase card, try applying for a second on the same day. If your first application is still pending, wait for it to be approved before applying for another.

Application Declined? You have 30 days to request reconsideration by calling 1-888-609-7805. If you call the same day you applied, there won’t be another hard credit check. Keep in mind, if it's due to the Chase 5/24 rule, they likely won’t reconsider.

Approval Rules: Chase typically declines if you’ve opened 5 new credit cards in the last 24 months. They usually approve up to 2 Chase cards within 30 days, counting business and personal cards separately. Read more about the Chase 5/24 rule and how to review your report.

Limit Increase

Credit Inquires

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Chase Bank will usually pull your Experian credit report.

Application Inquires Inquiries for all personal or all business cards on the same day are combined, but personal and business inquiries aren’t mixed.

Welcome Offer Eligibility: Chase might not approve you if you’ve already gotten a welcome bonus on the Chase Ink Cash card for the same business in the last 24 months. But if you do get approved, you’ll still get the bonus. You can still get approved and receive the bonus even if you’ve had a bonus from other Chase Ink cards (like Ink Preferred, Ink Premier, or Ink Unlimited) within 24 months. You can also apply for the same card for a different business, even with the same owner, and get the bonus within 24 months.

Downgrade Options

Getting your card

Rescore your report: To update your balance off-cycle, call 1-888-682-8361. If you pay your balance to zero, Chase will automatically update your report within 48 hours.

When applying for a new credit card, keep your balances below 10% of your limit on each existing card. Pay down balances and wait for each card's closing date, avoiding new charges. Some banks let you update balances anytime by phone, and Chase will automatically report a $0 balance after payment.

Card Benefits

Card holder benefits

As a card member, you have access to a wide range of benefits that come included with your membership. Take a look.

Reward Terms

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Credits

Earn 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.

Auto CDW Insurance

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.

Extended Warranty

Extends the time period of the U.S. manufacturer's warranty by an additional year, on eligible warranties of three years or less.

Credits

Get one-year complimentary DashPass, a 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 12/31/24.

Extra Redemption Value

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.)

Upgraded Statuses

Give the gift of Discoverist status to up to five employees.

Rewards redemption

Redeem your spending bonus

How to Redeem your valuable credits

Cash Redemption

Travel Redemption

Transfer your to any of the following Chase Travel Partners.

Points Transfer Partners

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Fees

Fees you may encounter as a cardmember

See Rates and Fees

Balance transfer Intro Offer

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Balance transfer Fee

Balance transfer Terms

Foreign Transactions

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Why We Like it

Considerations

More questions? More answers.

Can I shift a credit limit from a card held by my partner to one of my cards if we are part of the same business?

No, you cannot transfer credit limits between different individuals' accounts, even if they are within the same business.

What is the minimum remaining credit limit required to transfer balances between Amex cards without being declined?

You must leave a minimum of $1,000 on the card you are transferring from if you want to keep both cards open.

I paid my balance and it no longer shows on my credit report but I still got denied for an Amex card due to a high balance. How can that be?

For existing customers, Amex doesn’t usually pull a new credit report. They base the decision on a credit report they get through the monthly soft pull they do for all cardholders, which can be up to 30 days ago. Unfortunately, there is no way to get Amex to pull a new report. On the letter you receive from Amex, it will tell you which date the report was pulled. I would advise you to reapply 30 days later.

Additional resources