American Express Business Gold Card vs. World of Hyatt Credit Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
American Express Business Gold Card
Amex
World of Hyatt Credit Card
Chase
American Express Business Gold Card and World of Hyatt Credit Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
American Express Business Gold Card wins on first-year math; World of Hyatt Credit Card wins on annual fee.
Pick the American Express Business Gold Card if year-one math is your priority; take the World of Hyatt Credit Card if you want a cheaper card to keep long-term.
Who wins what
1 vs 1 (1 tie)- First-year math American Express Business Gold Card
American Express Business Gold Card wins on bonus value minus annual fee.
- Annual fee World of Hyatt Credit Card
World of Hyatt Credit Card is $280 cheaper to keep.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- $375
- $95
- Welcome offer (typical value)
- $3,200
- $1,080
- First-year net
- +$2,825
- +$985
- Peak earning rate
- 4×
- 4×
- Top categories
- Advertising, Electronics, Dining
- Hotels Resorts, Dining, Transit
- Lounge access
- No
- No
- Travel insurance
- Yes
- Yes
- Elite status
- No
- Yes
- Foreign transaction fee
- None
- None
- Reward currency
- American Express Membership Rewards
- World of Hyatt
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.