Navigating My Hyatt Business Card Approval
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The World of Hyatt Business Credit Card is Hyatt’s offering for those running small businesses, nicely pairing with the regular World of Hyatt Credit Card. While the differences between the two are pronounced, both have their own sets of perks that might make having both rewarding.
Let’s face it—sometimes applying for business credit cards feels like embarking on a white-knuckle ride filled with uncertainty. If you’ve ever wondered what it’s like to go through this application process, buckle up, because we’re diving right into it.
Hyatt Business Card Application Restrictions
Thinking of applying? Well, you might want to be aware of a few restrictions first:
- You’re eligible for this card (and its bonus) if you don’t currently have the card and haven’t received a new cardmember bonus for this specific card in the past two years.
- Good news for existing World of Hyatt Credit Card holders—you can still hop on board with this business card option.
- The infamous Chase 5/24 rule is in effect, meaning if you’ve opened five or more new cards in the past 24 months, you might be out of luck—although this rule plays favorites from time to time.
- Consider snagging a Chase business card before a personal one since a business card won’t add to your 5/24 tally.
- Keep it to two cards, tops, in a month with Chase. Just make sure only one of those is a business card.
My Hyatt Business Card Approval Experience
I rolled the dice and applied for the World of Hyatt Business Credit Card in late 2021, not long after it hit the market. Got approved in the blink of an eye. Yep, even with three other Chase business cards weighing down my portfolio. Turns out a lot of folks find this card easier to score compared to other Chase business offerings.
Underwriting standards, as it happens, can be a mixed bag, but this card seems to be the low-hanging fruit. And you can even apply as a sole proprietorship—no corporate title needed. Simply use your Social Security Number, slap your name on as the business name, and provide your home details. Just be sure to keep it honest, folks.
Should You Apply for the Hyatt Business Card?
The World of Hyatt Business Card comes with a $199 annual ticket, which unlocks a bounty of rewards starting with a hearty welcome bonus. Here’s the scoop:
- World of Hyatt Discoverist status for you and up to five employees—fancy that!
- Rack up five elite qualifying nights per $10,000 spent, no cap. Hello, status!
- Cash in up to $100 in Hyatt credits yearly—spend $50 to earn $50, twice a year.
- Get a 10% rebate on redeemed points, up to 20,000 annually, after spending $50,000.
- Enjoy 4x points on Hyatt buys, 2x in your top three spend categories each quarter, and 1x on everything else.
If you’re aiming for elite Hyatt status, this card might just be your golden ticket. But if you’re all about the points, there could be greener pastures elsewhere.
Consider diving into Chase Ink Business cards like the Ink Business Preferred® or the Ink Business Cash® Credit Card. These cards offer a compelling value if collecting points at lightspeed is your game.
Bottom Line
The World of Hyatt Business Credit Card is a solid pick for those after a juicy bonus and elite perks at a manageable price. If you meet eligibility criteria, it’s worth considering applying.
But if your sole mission is to stack loads of points through World of Hyatt or Chase Ultimate Rewards, perhaps a different strategy involving Chase Ink Business cards might be more aligned with your goals.
So, have you taken the plunge with the World of Hyatt Business Card? What’s been your experience?