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Capital One Spark Classic for Business vs World of Hyatt Credit Card
Both are well-respected travel cards. The Capital One Spark Classic for Business comes from Capital One at $0/yr; the World of Hyatt Credit Card from Chase at $95/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
For most people the World of Hyatt Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,020 more in estimated value) than the Capital One Spark Classic for Business's. Get the World of Hyatt Credit Card first; revisit the Capital One Spark Classic for Business after you've earned that bonus.
| Feature | Capital One Spark Classic for Business | World of Hyatt Credit Card |
|---|---|---|
| Annual fee | $0 | $95 |
| Sign-up bonus | Up to 60,000 Bonus Points | |
| Bonus value (est.) | - | $1,020 |
| Min spend to unlock bonus | - | - |
| Issuer | Capital One | Chase |
| Card category | business | hotel |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Capital One Spark Classic for Business
$0/yr ·
Read the full review
World of Hyatt Credit Card
$95/yr · Up to 60,000 Bonus Points
Editorial take: World of Hyatt Credit Card
The anniversary free night at a Category 1-4 Hyatt easily covers the $95 fee, even a Category 1 Hyatt Place clears it. If you stay at any Hyatt once a year, this card pays for itself.
Common questions
- Which card has the bigger sign-up bonus, Capital One Spark Classic for Business or World of Hyatt Credit Card?
- The World of Hyatt Credit Card has a public bonus (Up to 60,000 Bonus Points, worth roughly $1,020), while the Capital One Spark Classic for Business doesn't advertise one right now.
- Is the Capital One Spark Classic for Business's $0 annual fee worth it compared to the World of Hyatt Credit Card?
- The Capital One Spark Classic for Business has no annual fee, so the question is whether the World of Hyatt Credit Card's $95 fee is justified by its perks. If you'll use enough of the World of Hyatt Credit Card's benefits to clear $95 in value annually, it's worth it; otherwise stick with the Capital One Spark Classic for Business.
- Can I have both the Capital One Spark Classic for Business and World of Hyatt Credit Card?
- Yes, since they're from different issuers (Capital One and Chase) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the Capital One Spark Classic for Business or the World of Hyatt Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Classic for Business: no published min spend. World of Hyatt Credit Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.