You can read more about the World of Hyatt Business card here or listen to this episode of Card Talk to hear a quick but useful summary on the World of Hyatt Business card.
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World of Hyatt Business Credit Card
(00:05) – World of Hyatt Business Card Earning rate and card fee
(00:46) – World of Hyatt Business Card Perks
(01:53) – What does the “elite qualifying night credit” perk mean?
(02:26) – Hyatt Leverage membership
(04:51) – Do we like this card and who is this card good for?
(10:05) – Find podcast Ep270 “Hyatt Elite Milestone spending vs Mattress running” here.
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Music Credit – Beach Walk by Unicorn Heads
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Greg and Nick, are you able to use the Hyatt Leverage code during booking and still earn points and elite night credit toward your personal Hyatt account?
Is there a limit to the number of employees who can use the Hyatt Leverage code?
I enjoyed this discussion and especially comparison between the Hyatt business v. personal cards. However, when the conversation turned toward the goal of hitting high spend (specifically, hitting the $50k mark), I think Greg and Nick missed what could have been an insightful analysis opportunity had they discussed the added value of earning of milestone rewards. While it’s true that there’s an opportunity costs to putting $50k in essentially unbonused spend on the card, one of the main benefits isn’t just the 10% reward rebate, but also how much the spend will bump you up on the milestone reward-o-meter!
In the podcast Greg argued that the business card is only better for people trying to spend their way to status. That’s true, but only for big spenders who are trying to get status largely from spend.
For smaller spenders, the personal card starts out better and remains better until $50,000 spend. That’s because of the five nights you get from holding the card, and the increments at $5,000 of spend.
At $0 spend, the personal card gets you 5 nights, and the business card 0.
At $5,000 spend, the personal card gets you 7 nights and the business card 0.
At $10,000 spend, the personal card gets you 9 nights and the business card 5.
When you reach $45,000 spend, the personal card gets you 23 nights, the business card 20.
It’s only at $50,000 that the cards “tie” in the number of nights — 25 each (although the business card could add up to 20,000 points — but that’s kind of balanced by the FNC you earned on the personal card). At $55,000 spend the personal card moves ahead again at 27 versus 25 (again, disregarding the points). The personal card has its last hurray at $65,000 spend when it will contribute 31 nights against the business cards 30.
So, if you’re choosing a card to boost yourself toward Globalist status and you plan to acquire 35 or more night credits organically, then the personal card is the better choice.
Well, my choice is to have both cards. I spend $15,000 on the personal card and the rest on the business card. This year I have gone beyond $50,000 on the latter and so now I get a 10% points rebate on all points stays which is nice, except only up to 20,000 points. Globalist already earned for next year with 60 “nights” earned. In addition I will be getting added milestone benefits (upgrades and Guest of Honor awards ) to give to relatives. No mattress runs. Is it all worth it? Maybe.