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Mastercard Gold Card vs World of Hyatt Business Credit Card

Both are well-respected travel cards. The Mastercard Gold Card comes from Barclays (Luxury Card) at $1199/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 Gold Card's. Get the World of Hyatt Business Credit Card first; revisit the Mastercard Gold Card after you've earned that bonus.

FeatureMastercard Gold CardWorld of Hyatt Business Credit Card
Annual fee$1199$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
  • $300 airline credit
  • $200 dining credit
  • $120 Global Entry credit
  • 2cpp cash back or 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 Gold Card
$1199/yr · No public welcome offer
Read the full review
World of Hyatt Business Credit Card
$199/yr · 75,000 points

Editorial take: Mastercard Gold Card

The top tier of Barclays' Luxury Card lineup at $1,199. The $300 airline + $200 dining + $120 Global Entry credits chip away at the AF (about $620 of stated value before lounge access), and the 2cpp redemption on cash back is unusual. Still a status play more than a smart-points play; Amex Platinum or Sapphire Reserve win on credits-to-fee math for most travelers. Authorized-user fee is steep at $349 each.

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 Gold 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 Gold Card.
Is the Mastercard Gold Card's $1199 annual fee worth it compared to the World of Hyatt Business Credit Card?
Premium cards like the Mastercard Gold Card ($1199/yr) earn their fee through credits, travel, dining, lounge access, statement reimbursements. If you'd actively use $1199+ 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 Gold 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 Gold Card or the World of Hyatt Business Credit Card first?
Get the one whose sign-up bonus you can hit comfortably without overspending. Mastercard Gold 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.