Hyatt Business Card: 70k bonus, but no free night — spend $120k for Globalist.

The Chase World of Hyatt Business Card returns with a 70,000-point bonus after $7,000 spend in three months, offsetting the $199 annual fee with up to $100 in Hyatt statement credits. The real catch: no annual free night award, and elite night credits only come from spend — 5 per $10,000. That means hitting Globalist (60 nights) requires $120,000 in annual spend, a steep price for status. The card earns 2x on your top three quarterly categories and up to 9x at Hyatt, but the personal version offers a simpler path with a free night each year.

The play: Apply for the personal World of Hyatt card unless your business spend clears $50,000 annually to unlock the 10% award rebate or you need the 5 elite nights per $10,000 toward Globalist.