Ink Business Preferred® Credit Card vs World of Hyatt Business Credit Card

Chase

Chase

Annual Fee

$95

$199

Card Type

Business

Rewards Currency

Chase Ultimate Rewards

World of Hyatt Points

Point Value

2.00¢/pt

1.70¢/pt

Base Earn Rate

Welcome Bonus

100,000 Chase Ultimate Rewards after $8,000 in 90 days

30,000 World of Hyatt Points after $3,000 in 90 days

Effective return by category

Category	Ink Business Preferred® Credit Card	World of Hyatt Business Credit Card
Car Rentals	6.00% 3x · Capped Spending · $150,000 cap	3.40% 2x
Internet & Cable	6.00% 3x · Capped Spending · $150,000 cap	3.40% 2x
Online Advertising	6.00% 3x · Capped Spending · $150,000 cap	3.40% 2x
Phone & Wireless	6.00% 3x · Capped Spending · $150,000 cap	3.40% 2x
Travel	6.00% 3x · Capped Spending · $150,000 cap	1.70% 1x
Card Travel Portals	6.00% 3x · Capped Spending · $150,000 cap	1.70% 1x
Airfare	6.00% 3x · Capped Spending · $150,000 cap	3.40% 2x
Hotels & Lodging	6.00% 3x · Capped Spending · $150,000 cap	1.70% 1x
Shipping	6.00% 3x · Capped Spending · $150,000 cap	3.40% 2x
Dining & Restaurants	2.00% 1x	3.40% 2x
Gas Stations	2.00% 1x	3.40% 2x
Rideshare & Transit	2.00% 1x	3.40% 2x
Gym & Fitness	2.00% 1x	3.40% 2x
Everything else	2.00% 1x	1.70% 1x

Returns are multiplier × point value, using your “smart” setting. Caps and rotating categories affect real-world earnings.

The better question: which one adds more to your wallet?