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Capital One Spark Cash vs World of Hyatt Business Credit Card
This comparison aims to help you decide between the Capital One Spark Cash and the World of Hyatt Business Credit Card. Both cards offer unique benefits tailored to different spending behaviors and preferences.
Card Overviews
Capital One Spark Cash
The Capital One Spark Cash is designed for businesses looking to earn 2% cash back on all purchases without category restrictions. It is ideal for those who prefer straightforward cash back rewards and want a card that allows additional employee cards at no extra cost.
World of Hyatt Business Credit Card
The World of Hyatt Business Credit Card is perfect for frequent travelers, particularly those who stay at Hyatt properties. It offers a robust rewards system, particularly for Hyatt hotel stays, and includes benefits that enhance the travel experience, such as tier-qualifying night credits and Hyatt status.
Detailed Feature Comparison
| Feature | Capital One Spark Cash | World of Hyatt Business Credit Card |
|---|---|---|
| Annual Fee | $0 intro for first year; $95 after that | $199 |
| Welcome Bonus | Earn $750 cash back once you spend $7,500 in the first 3 months | 60,000 Bonus Points after you spend $5,000 in the first 3 months |
| Rewards Structure | 2% cash back on every purchase | Up to 9 points total per $1 spent at Hyatt, 2 points on top 3 spend categories, 1 point on others |
| Foreign Transaction Fee | None | None |
| Other Fees | None | None |
| Additional Benefits | Free employee cards, cash back never expires | Hyatt statement credits, tier-qualifying night credits, Discoverist status |
Rewards Highlights
- Earn $750 cash back once you spend $7,500 in the first 3 months from account opening
- 5% cash back on hotels and rental cars booked through Capital One Travel
- 2% cash back on every purchase
Pros and Cons
Capital One Spark Cash
- Pros:
- Simple cash back structure
- No category restrictions
- Free employee cards
- Rewards do not expire
- Cons:
- Annual fee after the first year
- Limited travel-specific perks
World of Hyatt Business Credit Card
- Pros:
- High rewards potential for Hyatt stays
- Includes Hyatt status benefits
- Generous welcome bonus
- Statement credits for Hyatt stays
- Cons:
- Higher annual fee
- More complex rewards structure
Who Should Consider Which Card?
- Consider the Capital One Spark Cash if:
- You prefer straightforward cash back rewards without worrying about categories.
- Your spending is diverse across various categories.
- You want free employee cards that also earn rewards.
- Consider the World of Hyatt Business Credit Card if:
- You frequently stay at Hyatt hotels and want to maximize rewards on those stays.
- You value travel-related benefits and perks.
- You plan on spending significantly at Hyatt and want to achieve status benefits.
Conclusion
Both the Capital One Spark Cash and the World of Hyatt Business Credit Card cater to different user needs and preferences. Carefully consider your individual spending habits and financial goals to determine which card aligns better with your lifestyle.