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Side-by-side

Chase Freedom Unlimited vs World of Hyatt Business Credit Card

Both are well-respected travel cards. The Chase Freedom Unlimited comes from Chase at $0/yr; the World of Hyatt Business Credit Card from Chase at $199/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 Business Credit Card is the stronger pick today, the sign-up bonus is meaningfully larger ($1,075 more in estimated value) than the Chase Freedom Unlimited's. Get the World of Hyatt Business Credit Card first; revisit the Chase Freedom Unlimited after you've earned that bonus.

FeatureChase Freedom UnlimitedWorld of Hyatt Business Credit Card
Annual fee$0$199
Sign-up bonus$200 bonus75,000 points
Bonus value (est.)$200$1,275
Min spend to unlock bonus$500 in 3 mo$7,500 in 3 mo
IssuerChaseChase
Card categorycashbackbusiness
Best earning category (Travel)5x1x
Transfer partnerschase-urNone
Headline benefits
  • 1.5% everywhere
  • 5% on travel via Chase
  • 3% dining + drugstores
  • Free if paired with Sapphire
  • $100 Hyatt credits annually
  • 5 elite night credits
  • Top-3 categories at 2x
  • 10% points rebate up to 200k
Read the full review
Chase Freedom Unlimited
$0/yr · $200 bonus
Read the full review
World of Hyatt Business Credit Card
$199/yr · 75,000 points

Editorial take: Chase Freedom Unlimited

The best no-fee cash back card in the Chase family. Stack it with a Sapphire and your cash back converts into transferable Ultimate Rewards points, a free upgrade most people miss. Note: Cell phone protection is on Freedom Flex, not Freedom Unlimited.

Editorial take: World of Hyatt Business Credit Card

The strongest hotel business card if you actually stay at Hyatts. Five elite night credits + top-3-categories earning + the $100 in Hyatt credits make it pay for its $199 fee for almost any Hyatt-leaning traveler. Underrated.

Common questions

Which card has the bigger sign-up bonus, Chase Freedom Unlimited or World of Hyatt Business Credit Card?
The World of Hyatt Business Credit Card has the bigger bonus, 75,000 points, worth roughly $1,275, versus $200 bonus (~$200) on the Chase Freedom Unlimited.
Is the Chase Freedom Unlimited's $0 annual fee worth it compared to the World of Hyatt Business Credit Card?
The Chase Freedom Unlimited has no annual fee, so the question is whether the World of Hyatt Business Credit Card's $199 fee is justified by its perks. If you'll use enough of the World of Hyatt Business Credit Card's benefits to clear $199 in value annually, it's worth it; otherwise stick with the Chase Freedom Unlimited.
Can I have both the Chase Freedom Unlimited and World of Hyatt Business Credit Card?
Yes, though both are issued by Chase so the same issuer-specific application rules apply (Chase 5/24 if applicable, Amex once-per-lifetime bonus, etc.). 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 Chase Freedom Unlimited or the World of Hyatt Business Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Chase Freedom Unlimited: $500 spend in 3 months. World of Hyatt Business Credit Card: $7,500 in 3 months. 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.