Premium/Luxury
Written by
Yehoshua King
Edited by
Ross Turner
No matter what a credit card company or advertisement says, there isn’t a single “best” credit card for everyone. The best card for you depends on your spending habits, credit score, existing debt and more. But with so many options to choose from, picking the right card can be intimidating. At The Points Navigator, we have reviewed all the top cards and compiled it into categorized lists with all the most important information to help you find the best card for YOU!
World Of Hyatt Business Credit Card
Rewards rate
Earn up to 9 total Points per $1 spent at Hyatt Hotels, including 4 Bonus Points per $1 spent at Hyatt Hotels and 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member.
Earn 2 Bonus Points total per $1 spent in your top three spend categories each quarter through 12/31/24, then your top two categories each quarter.
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Pros & cons
Up to 9 Points per $1 spent at Hyatt Hotels.
Earn Bonus Points in top spend categories each quarter.
No foreign transaction fees.
Employee cards at no additional cost.
High annual fee of $199.
Requires significant spending to unlock the full intro offer.
APR can be high depending on creditworthiness.
Card Details
Maximize Hyatt rewards for your business with the World of Hyatt Business Credit Card! Earn up to a remarkable 9 points per $1 at Hyatt, plus bonus points on top spending categories. Enjoy no foreign transaction fees and free employee cards for streamlined expense management. While there’s a $199 annual fee to consider, frequent Hyatt guests will find significant value in the card’s accelerated rewards, travel protections, and global convenience.
United Business Card
Rewards rate
2x miles on United purchases, dining, at gas stations, office supply stores, and on local transit and commuting.
1 mile per $1 spent on all other purchases.
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Pros & cons
$100 United travel credit after qualifying flight purchases.
5,000 better-together anniversary bonus miles when you have the UnitedSM Business Card and a personal United credit card.
Earn up to 1,000 Premier qualifying points.
2 United ClubSM one-time passes each year.
Annual fee of $99.
High APR for those with lower credit scores.
Bonus miles offer requires significant spending in the first 3 months.
Card Details
Power up your United business travel with the United℠ Business Card! Earn a massive 100,000 bonus miles, then boost rewards with 2x miles on United, dining, delivery, and office supplies. Enjoy an annual $100 United travel credit, anniversary bonus miles, and earn Premier Qualifying Points (PQP) for faster status upgrades. Get two United Club℠ passes for comfortable layovers. While there’s a $99 annual fee and APR to consider, frequent United flyers will find significant value in the card’s travel perks, rewards, and the potential for status upgrades.
The World Of Hyatt Credit Card
Rewards rate
9X total points per $1 spent at Hyatt - 4X points per $1 when you use your card at Hyatt hotels & 5X Base Points from Hyatt as a World of Hyatt member.
2X points per $1 spent at restaurants, on airline tickets purchased directly from the airlines, local transit and commuting, and on fitness club and gym memberships.
1X point per $1 spent on all other purchases.
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Pros & cons
Generous bonus points offer for new cardmembers.
High rewards rate on Hyatt hotel stays.
Annual free night award can offset the annual fee.
Automatic elite status provides additional benefits at Hyatt properties.
$95 annual fee may not be worthwhile for those who don’t frequently stay at Hyatt properties.
High rewards rates are primarily limited to spending at Hyatt properties.
Card Details
Experience luxury travel with the World of Hyatt Credit Card! Earn points on everyday spending and accelerate your path to free Hyatt stays. Enjoy an annual free night certificate, automatic Discoverist elite status (room upgrades when available), and travel protections – no foreign transaction fees! Maximize rewards with 9X total points per $1 at Hyatt, and earn 2X points on dining, airlines, transit, and gyms.
However, consider the $95 annual fee and that high rewards are mainly for Hyatt stays. For dedicated Hyatt enthusiasts, this card offers significant value and a luxurious travel experience.
IHG One Rewards Premier Credit Card
Rewards rate
26X points total per $1 spent when you stay at IHG hotels and resorts.
5X points on travel, dining, and at gas stations.
3X points on all other purchases.
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Pros & cons
High bonus point offer for new cardmembers.
Automatic Platinum Elite status as long as you remain a Premier cardmember.
Anniversary Free Night each account anniversary year, redeemable at hotels up to 40,000 points.
No foreign transaction fees on purchases made outside the United States.
$99 annual fee not waived for the first year.
High spending required to maximize benefits such as the $100 statement credit and 10,000 bonus points (after spending $20,000 each calendar year).
Points earning on non-IHG purchases could be more competitive.
Card Details
Unlock incredible rewards with the IHG Rewards Club Premier Credit Card! Earn 26X points on IHG stays, plus 5X on travel, dining and gas. Get a huge 165,000-point bonus! Enjoy a free night annually and Platinum Elite Status (upgrades, more). $99 annual fee (variable APR) is offset by perks like a Global Entry/TSA PreCheck credit and no foreign transaction fees. This card is ideal for frequent IHG travelers who want luxury and rewards.
IHG One Rewards Premier Business Credit Card
Rewards rate
26X points total per $1 spent when you stay at IHG hotels and resorts.
5X points on travel, dining, select business purchases, and at gas stations.
3X points on all other purchases.
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Pros & cons
High bonus points offer and earning rate on IHG purchases.
Anniversary Free Night each account anniversary year, redeemable at hotels up to 40,000 points.
Redeem 3 Nights, Get 4th Night Free on IHG hotel stays.
No foreign transaction fees.
$99 annual fee not waived the first year.
High spending required to maximize benefits like the $100 statement credit and 10,000 bonus points (after spending $20,000 each calendar year).
Points earning on non-IHG purchases could be higher.
Card Details
Maximize business travel rewards with the IHG Rewards Premier Business Credit Card! Earn a hefty 140,000-point signup bonus and up to a whopping 26X points per IHG stay. Get an anniversary free night each year, plus a 4th night free on award stays. Enjoy the perks of Platinum Elite status (upgrades, late checkout). ($99 annual fee, variable APR). No foreign transaction fees make it great for global trips. This card is ideal for business owners who love IHG’s comfort and want to earn rewards fast.