First-year winner
World of Hyatt Business Credit Card
$556 Year 1 edge
$783 vs $227
Compare Cards
Stack up the better credit card
Compare two cards side by side with your real spend, credits, fees, and rewards.
Card A
Card B
Monthly spend
Start with spending categories
Monthly Total
$2,430/mo
Reward assumptions
Credits & benefits
Count the credits and perks you actually expect to use. Credit rows start with conservative default values; edit them for your own merchant, timing, or travel friction.
Card A
World of Hyatt Business Credit Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
World of Hyatt Elite Value
Other · No listed cash value
Hyatt co-brand cards are tied to hotel-program perks such as elite-status value, award-night enhancements, and qualifying-night progress.
Perk
Chase Business Account Tools
Other · No listed cash value
Chase business cards are designed to support employee spending, account segmentation, and business purchase tracking.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Business Account Controls
Other · No listed cash value
Business cards usually include account-management tools that help separate company spend and monitor employee purchases.
Card B
Business Green Rewards Card
Counted benefits
$0
Credits
None
Cash-like credits counted in the model
Perks
None
Optional user-valued benefits
Perk
Amex Offers Access
Other · No listed cash value
Eligible cardholders can add targeted Amex Offers for statement credits or bonus rewards with participating merchants.
Perk
Purchase and Warranty Protections
Purchase Protection · No listed cash value
American Express cards commonly include purchase-protection and extended-warranty style coverage on eligible purchases.
Perk
No Foreign Transaction Fees
Other · No listed cash value
Eligible international purchases do not incur an added foreign transaction surcharge.
Perk
Business Account Controls
Other · No listed cash value
Business cards usually include account-management tools that help separate company spend and monitor employee purchases.
Verdict
World of Hyatt Business wins year 1. Business Green Rewards wins long term.
Winner after year 1
Business Green Rewards Card
$44 ongoing edge
$227 vs $183
Long-term breakeven: the higher-reward option needs roughly $50,544 per year in this spend mix to overcome the fee and benefit gap.
Chase
World of Hyatt Business Credit Card
Year One
$783
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$183
Annual rewards + counted benefits - fee
Annual Rewards
$382
1.31% effective return
Welcome Offer
$600
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
$5,000
3 mo window · $1,667/mo pace · Doable
Why it wins
- • Still delivers meaningful first-year upside from the welcome offer.
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • The points value case is thinner without transfer-partner flexibility.
American Express
Business Green Rewards Card
Year One
$227
Welcome offer + annual rewards + counted benefits - fee
After Year 1
$227
Annual rewards + counted benefits - fee
Annual Rewards
$322
1.10% effective return
Welcome Offer
None
Current listed first-year bonus value
Credits + Perks
None
$0 credits + $0 perks
Bonus Spend
No listed offer
No spend threshold in dataset
Why it wins
- • Stays usable for international purchases.
Watch for
- • The annual fee is harder to justify if you do not use the credits and perks consistently.
- • There is no meaningful active welcome offer in the current dataset.
- • The points value case is thinner without transfer-partner flexibility.
Spend Mix Math
Where the value actually comes from
Category returns are based on the spend mix you entered, your point-value assumption, and the benefits you chose to count.
Dining
1x
$5,400
World of Hyatt Business
$54
1.00%
Business Green Rewards
$54
1.00%
Groceries
1x
$7,800
World of Hyatt Business
$78
1.00%
Business Green Rewards
$78
1.00%
Travel
4x
$3,000
World of Hyatt Business
$120
4.00%
Business Green Rewards
$60
2.00%
Gas
1x
$1,920
World of Hyatt Business
$19
1.00%
Business Green Rewards
$19
1.00%
General
1x
$11,040
World of Hyatt Business
$110
1.00%
Business Green Rewards
$110
1.00%
Total annual spend
$29,160 across this mix
World of Hyatt Business$382
Business Green Rewards$322
Raw Breakdown
Full side-by-side details
Use the spec table below when you want the literal field-by-field differences in rewards, benefits, transfer partners, fees, and approval profile.
| Metric | World of Hyatt Business Credit Card | Business Green Rewards Card |
|---|---|---|
| Costs | ||
| Annual fee | $199 | $95 |
| Foreign transaction fee | None | None |
| Rewards | ||
| Other rewards | 2x 2X points in your top three eligible spend categories each quarter. | — |
| Travel rewards | 4x 4X points on Hyatt purchases with the card. | 2x 2X points on AmexTravel.com purchases. |
| All rewards | 1x | 1x |
| Offer | ||
| Welcome offer | 60,000 bonus points Spend $5,000 in 3 mo | — |
| Benefits | ||
| Estimated benefits | 4 listed | 4 listed |
| Benefit highlights | World of Hyatt Elite Value · Chase Business Account Tools · No Foreign Transaction Fees · +1 more | Amex Offers Access · Purchase and Warranty Protections · No Foreign Transaction Fees · +1 more |
| Profile | ||
| Credit needed | Good | Good |
| Network | — | amex |
| Reward type | Points | Points |
Costs
Annual fee
World of Hyatt Business Credit Card
$199
Business Green Rewards Card
$95
Foreign transaction fee
World of Hyatt Business Credit Card
None
Business Green Rewards Card
None
Rewards
Other rewards
World of Hyatt Business Credit Card
2x
2X points in your top three eligible spend categories each quarter.
Business Green Rewards Card
—
Travel rewards
World of Hyatt Business Credit Card
4x
4X points on Hyatt purchases with the card.
Business Green Rewards Card
2x
2X points on AmexTravel.com purchases.
All rewards
World of Hyatt Business Credit Card
1x
Business Green Rewards Card
1x
Offer
Welcome offer
World of Hyatt Business Credit Card
60,000 bonus points
Spend $5,000 in 3 mo
Business Green Rewards Card
—
Benefits
Estimated benefits
World of Hyatt Business Credit Card
4 listed
Business Green Rewards Card
4 listed
Benefit highlights
World of Hyatt Business Credit Card
World of Hyatt Elite Value · Chase Business Account Tools · No Foreign Transaction Fees · +1 more
Business Green Rewards Card
Amex Offers Access · Purchase and Warranty Protections · No Foreign Transaction Fees · +1 more
Profile
Credit needed
World of Hyatt Business Credit Card
Good
Business Green Rewards Card
Good
Network
World of Hyatt Business Credit Card
—
Business Green Rewards Card
amex
Reward type
World of Hyatt Business Credit Card
Points
Business Green Rewards Card
Points