Editorial take: Citi Custom Cash
Genuinely clever. 5% on whichever category you spent most on each month, capped at $500/month. Earns $25/month = $300/year effortlessly. Pairs with Premier to convert to transferable ThankYou Points.
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Side-by-side
Citi Custom Cash vs World of Hyatt Business Credit Card
Both are well-respected travel cards. The Citi Custom Cash comes from Citi 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 Citi Custom Cash's. Get the World of Hyatt Business Credit Card first; revisit the Citi Custom Cash after you've earned that bonus.
| Feature | Citi Custom Cash | World of Hyatt Business Credit Card |
|---|---|---|
| Annual fee | $0 | $199 |
| Sign-up bonus | $200 cash back | 75,000 points |
| Bonus value (est.) | $200 | $1,275 |
| Min spend to unlock bonus | $1,500 in 6 mo | $7,500 in 3 mo |
| Issuer | Citi | Chase |
| Card category | cashback | business |
| Best earning category (Top_category) | 5x | 1x |
| Transfer partners | citi-ty | None |
| Headline benefits |
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Read the full review
Citi Custom Cash
$0/yr · $200 cash back
Read the full review
World of Hyatt Business Credit Card
$199/yr · 75,000 points
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, Citi Custom Cash 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 cash back (~$200) on the Citi Custom Cash.
- Is the Citi Custom Cash's $0 annual fee worth it compared to the World of Hyatt Business Credit Card?
- The Citi Custom Cash 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 Citi Custom Cash.
- Can I have both the Citi Custom Cash and World of Hyatt Business Credit Card?
- Yes, since they're from different issuers (Citi 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 Citi Custom Cash or the World of Hyatt Business Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Custom Cash: $1,500 spend in 6 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.