World of Hyatt Business

If your business books Hyatt with any regularity, this card is built around that: 4x points at Hyatt hotels, automatic Discoverist status, and 5 Tier Qualifying Night credits for every $10,000 you spend each year, which is the rare way to buy elite progress with ordinary business expenses. The 70,000 point bonus after $7,000 in three months is worth noting for timing reasons: Chase cut it from 80,000 to 60,000 in April, then brought it back up to 70,000 in July, so the current offer is a recovery rather than a peak. Outside Hyatt, the earn is thinner than the headline suggests, since the 2x rate applies only to your top three spend categories each quarter from a fixed list that includes dining, shipping, airfare bought directly, transit, car rentals, gas, internet and phone, with everything else at 1x. The $199 annual fee needs the $100 in Hyatt statement credits, delivered as two $50 credits on qualifying Hyatt purchases, plus real Hyatt stays to justify itself. If your company sleeps at Marriott or Hilton instead, none of this converts, and the card ranks #13 on our signup bonus list mostly on the strength of that opening offer.