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Blue Cash Preferred® Card from American Express vs World of Hyatt Business Credit Card
This comparison aims to help users decide between the Blue Cash Preferred® Card from American Express and the World of Hyatt Business Credit Card. Both cards offer unique benefits tailored to different spending habits and preferences.
Card Overviews
Blue Cash Preferred® Card from American Express
The Blue Cash Preferred® Card from American Express is designed for individuals who frequently shop at U.S. supermarkets and utilize streaming services. With a robust cash back rewards structure, it offers significant returns on everyday purchases, making it ideal for families and consumers focused on cash back rewards.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card is tailored for business owners and frequent travelers who stay at Hyatt hotels. It provides valuable rewards for hotel stays and additional perks for business-related expenses, making it a great option for those who prioritize travel rewards and hotel loyalty.
Detailed Feature Comparison
| Feature | Blue Cash Preferred® Card | World of Hyatt Business Credit Card |
|---|---|---|
| Annual Fee | $0 intro annual fee for the first year, then $95 | $199 |
| Welcome Bonus | $250 statement credit after spending $3,000 in eligible purchases in the first 6 months | 60,000 Bonus Points after spending $5,000 in the first 3 months |
| Rewards Structure | 6% Cash Back at U.S. supermarkets, 6% on select streaming subscriptions, 3% on transit and gas stations, 1% on other purchases | Up to 9 points per $1 spent at Hyatt, 2 points on top three spend categories, 1 point on other purchases |
| Foreign Transaction Fee | None | None |
| Other Fees | Cash Advance Fee: Either $5 or 3% of the amount, whichever is greater | Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater |
| Additional Benefits | $84 Disney Bundle Credit, Buy Now, Pay Later option, Cash Back redemption options | Hyatt statement credits, tier-qualifying night credits, Discoverist status |
Rewards Highlights
- 6% Cash Back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%)
- 6% Cash Back on select U.S. streaming subscriptions
- 3% Cash Back on transit including taxis/rideshare, parking, tolls, trains, buses and more
- 3% Cash Back at U.S. gas stations
- 1% Cash Back on other purchases
Pros and Cons
Blue Cash Preferred® Card from American Express
- Pros:
- High rewards rate on grocery and streaming purchases
- Generous welcome bonus
- No foreign transaction fees
- Cons:
- Annual fee after the first year
- Rewards may be limited to certain categories
World of Hyatt Business Credit Card
- Pros:
- Strong rewards for Hyatt spending
- Bonus points on business-related expenses
- Hyatt statement credits and tier-qualifying night credits
- Cons:
- Higher annual fee
- Best suited for frequent travelers to Hyatt properties
Who Should Consider Which Card?
The Blue Cash Preferred® Card from American Express is ideal for families or individuals who spend heavily on groceries and streaming services, allowing them to maximize cash back rewards on everyday purchases.
The World of Hyatt Business Credit Card is better suited for business owners and travelers who frequently stay at Hyatt hotels and want to leverage their spending for travel rewards and perks.
Conclusion
In summary, both the Blue Cash Preferred® Card from American Express and the World of Hyatt Business Credit Card offer valuable benefits tailored to different spending habits. Consider your individual needs and financial goals to determine which card aligns best with your lifestyle.