U.S. Bank Business Essentials Plus Visa Signature vs World of Hyatt Business Credit Card

U.S. Bank

Chase

Annual Fee

$295

$199

Card Type

Business

Rewards Currency

Cash Back

World of Hyatt Points

Point Value

1.00¢/pt

1.70¢/pt

Base Earn Rate

Welcome Bonus

—

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

Effective return by category

Category	U.S. Bank Business Essentials Plus Visa Signature	World of Hyatt Business Credit Card
Dining & Restaurants	5.00% 5x · Capped Spending · $200,000 cap	3.40% 2x
Phone & Wireless	5.00% 5x · Capped Spending · $200,000 cap	3.40% 2x
Shipping	5.00% 5x · Capped Spending · $200,000 cap	3.40% 2x
Airfare	5.00% 5x · Capped Spending · $200,000 cap	3.40% 2x
Business Services	5.00% 5x · Capped Spending · $200,000 cap	1.70% 1x
Entertainment	5.00% 5x · Capped Spending · $200,000 cap	1.70% 1x
Office Supplies	5.00% 5x · Capped Spending · $200,000 cap	1.70% 1x
Utilities	5.00% 5x · Capped Spending · $200,000 cap	1.70% 1x
Car Rentals	2.00% 2x	3.40% 2x
Internet & Cable	2.00% 2x	3.40% 2x
Online Advertising	2.00% 2x	3.40% 2x
Gas Stations	2.00% 2x	3.40% 2x
Rideshare & Transit	2.00% 2x	3.40% 2x
Gym & Fitness	2.00% 2x	3.40% 2x
Everything else	2.00% 2x	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?