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Mastercard Black Card vs World of Hyatt Business Credit Card

Both are well-respected travel cards. The Mastercard Black Card comes from Barclays (Luxury Card) at $699/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 ($1,275 more in estimated value) than the Mastercard Black Card's. Get the World of Hyatt Business Credit Card first; revisit the Mastercard Black Card after you've earned that bonus.

FeatureMastercard Black CardWorld of Hyatt Business Credit Card
Annual fee$699$199
Sign-up bonusNo public welcome offer75,000 points
Bonus value (est.)$0$1,275
Min spend to unlock bonus$0 in 0 mo$7,500 in 3 mo
IssuerBarclays (Luxury Card)Chase
Card categorytravelbusiness
Best earning category (Luxury_card_travel)2x1x
Transfer partnersNoneNone
Headline benefits
  • $200 airline credit
  • $100 dining credit
  • Priority Pass Select
  • 1.5cpp cash back, 2cpp airfare
  • $100 Hyatt credits annually
  • 5 elite night credits
  • Top-3 categories at 2x
  • 10% points rebate up to 200k
Read the full review
Mastercard Black Card
$699/yr · No public welcome offer
Read the full review
World of Hyatt Business Credit Card
$199/yr · 75,000 points

Editorial take: Mastercard Black Card

The mid tier of the Barclays Luxury Card lineup. The $200 airline + $100 dining credits offset $300 of the $699 AF before lounge value, and the 1.5cpp cash-back rate is the best of the Luxury Card tiers. Still hard to beat Sapphire Reserve or Venture X on transferable-points flexibility, but the all-stainless body and concierge appeal to some.

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, Mastercard Black Card 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 No public welcome offer (~$0) on the Mastercard Black Card.
Is the Mastercard Black Card's $699 annual fee worth it compared to the World of Hyatt Business Credit Card?
Premium cards like the Mastercard Black Card ($699/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $699+ of those credits, the math works. The World of Hyatt Business Credit Card at $199/yr trades some perks for a lower commitment.
Can I have both the Mastercard Black Card and World of Hyatt Business Credit Card?
Yes, since they're from different issuers (Barclays (Luxury Card) 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 Mastercard Black Card or the World of Hyatt Business Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Black Card: $0 spend in 0 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.