Editorial take: Discover it Cash Back
The first-year Cashback Match effectively doubles your earnings, someone who earns $300 in cash back gets $600 total. It's the best no-fee first card for building credit with real rewards.
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Side-by-side
Discover it Cash Back vs World of Hyatt Business Credit Card
Both are well-respected travel cards. The Discover it Cash Back comes from Discover 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 Discover it Cash Back's. Get the World of Hyatt Business Credit Card first; revisit the Discover it Cash Back after you've earned that bonus.
| Feature | Discover it Cash Back | World of Hyatt Business Credit Card |
|---|---|---|
| Annual fee | $0 | $199 |
| Sign-up bonus | Cashback Match (first year, unlimited) | 75,000 points |
| Bonus value (est.) | $200 | $1,275 |
| Min spend to unlock bonus | $0 in 12 mo | $7,500 in 3 mo |
| Issuer | Discover | Chase |
| Card category | cashback | business |
| Best earning category (Rotating) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
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Read the full review
Discover it Cash Back
$0/yr · Cashback Match (first year, unlimited)
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, Discover it Cash Back 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 Cashback Match (first year, unlimited) (~$200) on the Discover it Cash Back.
- Is the Discover it Cash Back's $0 annual fee worth it compared to the World of Hyatt Business Credit Card?
- The Discover it Cash Back 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 Discover it Cash Back.
- Can I have both the Discover it Cash Back and World of Hyatt Business Credit Card?
- Yes, since they're from different issuers (Discover 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 Discover it Cash Back or the World of Hyatt Business Credit Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Discover it Cash Back: $0 spend in 12 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.