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Welcome to Card Talk. The show where we help you decide if this credit card belongs in your collection.

The World of Hyatt Business Credit Card.

Let's get into the details.

All right.

So this is a card that has a $199 annual theme, making it a little priceier for a hotel business card,

although I guess we've seen fee creep on other cards recently, too.

Earning rate, you're going to earn four points per dollar at Hyatt Hotels, 2X on fitness clubs

and gyms, and then 2X also in your top three categories per quarter out of a number of different

categories, dining gas, and a bunch of various travel and business-related

categories. So whichever your top three categories each quarter, you'll earn two X on those,

and then, of course, one X everywhere else. All right. So in addition to those uninteresting

spend categories, you do have a number of perks that this card offers. After $50,000 spend in a

calendar year, you get 10% back on redeem points for the rest of that calendar year, up to a

total of 20,000 points back. So if you're going to go for this, make sure you do the 50K spend

earlier enough in the

calendar year so you could take advantage of the points back.

Another perk is up to $100 each card member year in Hyatt statement credits.

Spend $50 or more at any Hyatt property and get a $50 statement credit up to two times per year.

So you're looking at up to $100 back a year.

You also get Discoverist elite status, which is not worth a whole lot.

I think you get like 2 p.m. late checkout or something like that.

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