Revisión de tarjetas de crédito de World of Hyatt Business para 2022

Chases World of Hyatt Business Credit Card is designed for business owners who stay primarily at Hyatt hotels. You can earn premium points on purchases at all Hyatt hotels, get extra points from Hyatt for being a World of Hyatt member, and enjoy perkssuch as Hyatt Discoverist status, free night awards, and tier-qualifying night credits.

If you wish to compare one card over another, select a maximum of three cards on this page and click Add to compare to view the details in a side-by-side comparison.

World of Hyatt Business Credit Card

  • Overview
  • Card Details
  • Pros & Cons
  • Additional Features

Apply Now

on World of Hyatt Business Credit Card’s secure website.

Intro APR N/A Regular APR 18.24% – 25.24% Variable Annual Fee $199 Credit Needed

  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • Limited Time offer: Apply by 10/6/22 and get the card to receive 2 Tier-Qualifying Night Credits for each night you stay from 8/23/22 through 12/31/22.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Pros
  • Large sign-up bonus
  • Free employee cards
  • Zero foreign transaction fees
Cons
  • High annual fee
  • No zero annual fee period
  • No 0% introductory rate
  • 10% Bonus point redemption bonus
  • $100 Annual Hyatt credit
  • Five Tier-qualifying night credits
  • Hyatt Leverage Membership

Intro APR N/A Regular APR 18.24% – 25.24% Variable Annual Fee $199 Credit Needed

  • 60,000 Bonus Points after you spend $5,000 on purchases in your first 3 months from account opening.
  • 9 points total per $1 spent at Hyatt – 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
  • 2 Bonus Points per $1 spent on fitness club and gym memberships
  • Limited Time offer: Apply by 10/6/22 and get the card to receive 2 Tier-Qualifying Night Credits for each night you stay from 8/23/22 through 12/31/22.
  • Up to $100 in Hyatt statement credits – spend $50 or more at any Hyatt property and earn $50 statement credits up to two times each anniversary year.
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.
  • World of Hyatt Discoverist status for as long as your account is open. Plus, Discoverist status to up to five employees
Pros
  • Large sign-up bonus
  • Free employee cards
  • Zero foreign transaction fees
Cons
  • High annual fee
  • No zero annual fee period
  • No 0% introductory rate
  • 10% Bonus point redemption bonus
  • $100 Annual Hyatt credit
  • Five Tier-qualifying night credits
  • Hyatt Leverage Membership

Apply Now

on World of Hyatt Business Credit Card’s secure website.

How We Evaluate Travel Rewards Business Credit Cards

When evaluating travel rewards business credit cards like the World of Hyatt Business Credit Card , we first consider ongoing rewards, introductory rewards, and additional features. We also take into account the annual fee, introductory no-interest period, and ongoing annual percentage rates (APRs).

Grading Criteria Card Score Highest Possible Score
Ongoing Rewards 25 25
Introductory Rewards 25 25
Additional Features 25 25
Annual Fee 10 15
Introductory APR 0 5
Ongoing APR 3 5
Total Score 88 100

Who the World of Hyatt Business Credit Card Is Best For

  • Business owners who stay primarily at Hyatt hotels: This card offers up to 9 points per dollar spent on purchases at all Hyatt hotels and several perks, including annual Hyatt credit, 10% bonus points back, and Hyatt Discoverist status.
  • Business owners who travel frequently: You can convert your World of Hyatt points into miles with any of World of Hyatts airline partners.

If you prefer another card from Chase, read our guide to the best Chase business credit cards . But if your needs are not fulfilled by any Chase card, see our list of the best small business credit cards .

World of Hyatt Business Credit Card Fees

APRs

  • Introductory APR: None
  • Ongoing APR: 18.24% to 25.24% variableadjusts with the prime rate
  • My Chase Loan SM APR: 18.24% to 25.24% variableadjusts with the prime rate
  • Balance transfer APR: 18.24% to 25.24% variableadjusts with the prime rate
  • Cash advance APR: 27.24% variableadjusts with the prime rate
  • Default APR: Up to 29.99%
    • Note that default APR will be applied immediately to all outstanding balances and future transactions to your account if you:
    1. Failed to make a Minimum Payment by the date and time that it is due.
    2. Made an unpaid returned payment.

Fees

  • Annual fee: $199
  • Balance transfer fee: $5 or 5% of the amount of each transfer, whichever is greater
  • Cash advance fee: $15 or 5% of the amount of each transaction, whichever is greater
  • Foreign transaction fee: None
  • Late and returned payments: $40
  • Return check: None

World of Hyatt Business Credit Card Rewards

  • 60,000 bonus points after you spend $5,000 on purchases in your first three months after account opening
  • 9 points total per $1 spent at Hyatt 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 from Hyatt as a World of Hyatt member
  • Limited Time offer: Apply by 10/6/22 and get the card to receive 2 Tier-Qualifying Night Credits for each night you stay from 8/23/22 through 12/31/22.
  • 2 Bonus Points per $1 spent in your top three spend categories each quarter through 12/31/23, then your top two categories each quarter.
  • 2 points per dollar spent on fitness club and gym memberships
  • 1 point per dollar spent on all other purchases
  • Automatic Hyatt Discoverist status for you and up to five employees
  • 5 Tier-Qualifying night credits toward status and Milestone rewards for every $10,000 you spend in a calendar year.

How To Make Payments on the World of Hyatt Business Credit Card

  • Online : Pay manually or sign up for automatic payments
  • Chase Mobile App: Manage your credit card payments through this app.
  • Automated phone service: Call (800) 436-7958 or the customer service number on the back of your card or billing statement.
  • ATM or branch: Pay at any Chase ATM or local branch.
  • Western Union: Should you wish to pay your credit card bills through Western Union, make sure you use the Code City WALNUT. Note that it may take up to seven days for the payment to be reflected in your account.
  • Mail: Mail a check or money order with your name and account number to:

Cardmember Services
PO Box 6294
Carol Stream, IL 60197-6294

World of Hyatt Business Credit Card Features

$100 Annual Hyatt Credit

You can earn a $50 statement credit per qualifying Hyatt purchase with this card up to two times each anniversary year for a total of $100. Qualifying Hyatt purchases are single transactions of $50 or more made at Hyatt hotels and resorts, including at participating restaurants, locations, Small Luxury Hotels properties, and on Lindblad Expedition experiences purchased directly through the World of Hyatt program.

Hyatt Leverage Membership

Cardholders will be enrolled in the Hyatt Leverage Program. You will receive a World of Hyatt Discoverist status for as long as your account is open. Employees added to your account wont be enrolled and wont receive the associated benefits of the Hyatt Leverage Program.

Auto Rental Collision Damage Waiver

Coverage is provided for theft and collision damage when you rent a car using your World of Hyatt Business Credit Card. Coverage is primary if the vehicle rental is for business purposes, which means you wont need to use your personal auto insurance or accept the insurance offered by the rental agency. Rentals of 31 consecutive days or fewer are eligible, and you may be reimbursed for up to the cash value of the vehicle. Certain vehicles arent covered, such as trucks, motorcycles, vans designed to carry more than eight people, and recreational vehicles.

Travel & Emergency Assistance

If youre traveling away from home and run into a problem, you may call the Benefit Administrator for legal and medical referrals or other travel and emergency assistance. Its important to note that this service will only connect you to the assistance neededyou will be responsible for the cost of any goods or services obtained.

Trip Cancelation/Interruption Insurance

You can be reimbursed up to $1,500 per person and $6,000 per trip for your prepaid, nonrefundable passenger fares if your trip is canceled or cut short by sickness, severe weather conditions, or other covered situations.

Purchase Protection

Items that are damaged or stolen within 120 days of purchase are covered with purchase protection. Chase may repair, replace, or reimburse you for these items up to $10,000 per claim and $50,000 per year. Antique items, animals, living plants, motorized vehicles, computer software, consumables, jewelry, medical equipment, and preowned items are excluded from this coverage.

Extended Warranty Protection

Chase will extend the original manufacturers warranty by an additional year on warranties of three years or less up to a maximum of $10,000 per claim and $50,000 per account. To be eligible, you must have charged a portion of the purchase to your UnitedSM Business Card or used reward points to make the purchase. This warranty protection doesnt cover motorized vehicles, real estate, medical equipment, computer software, used items, and leased items.

Pros & Cons of the World of Hyatt Business Credit Card

PROS CONS
Large sign-up bonus: You can earn 60,000 bonus points after meeting the spending requirements. High annual fee: The World of Hyatt Business Credit Card comes with an annual fee of $199, which is high compared to other small business credit cards.
Free employee cards: You can add employee cards at no additional cost, then set individual spending limits and earn points on every purchase made by your employees. No zero annual fee period: This card doesnt offer a zero annual fee periodyou need to pay the $199 annual fee right away.
Zero foreign transaction fees: Use your card to make purchases outside of the country without having to worry about foreign transaction fees. No 0% introductory rate: You cannot take advantage of interest-free financing if you plan to use this card to make a large purchase.

World of Hyatt Business Credit Card Alternatives

Chase Ink Business Preferred

Chase Ink Business Preferred is an excellent alternative for business owners who have significant travel expenses but dont need travel perks like airport lounge access or free expedited airport security screening. Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards. These reasons landed it a spot on our roundup of the top-ranking business credit cards for travel .

Ink Business Preferred Credit Card

? Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

BEST FOR:

Maximizing travel rewards at a lower annual fee

  • Overview
  • Card Details
  • Pros & Cons
  • Additional Features

Apply Now

On Chase’s Secure Website

Intro APR N/A Regular APR 18.24% – 23.24% Variable Annual Fee $95 Credit Needed

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
  • Opportunity to boost the value of reward points
  • Offers cellphone protection and trip cancellation insurance
Cons
  • Doesnt offer an interest-free financing period
  • Charges an annual fee
  • Auto rental collision damage waiver: Coverage is primarymeaning it replaces any coverage your personal insurance might offerwhen renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
  • Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
  • Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Read Full Review

Intro APR N/A Regular APR 18.24% – 23.24% Variable Annual Fee $95 Credit Needed Good, Excellent

  • Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards
  • Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Earn 1 point per $1 on all other purchases
  • With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring.
  • With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information.
  • Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open
  • Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards
  • Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account.
Pros
  • Opportunity to boost the value of reward points
  • Offers cellphone protection and trip cancellation insurance
Cons
  • Doesnt offer an interest-free financing period
  • Charges an annual fee
  • Auto rental collision damage waiver: Coverage is primarymeaning it replaces any coverage your personal insurance might offerwhen renting for business purposes. It provides reimbursement up to the actual cash value of the vehicle for theft and collision damage for most cars in the U.S. and abroad.
  • Cellphone protection: You and the employees named on the phone bill you pay for with your card are covered for up to $600 in theft or damages per claim. You are limited to three claims per 12-month period, with a $100 deductible per claim.
  • Trip cancellation and delay insurance: If your trip is canceled, you can be compensated up to $15,000 for prepaid expenses such as airfare or hotels. If your trip is delayed for 12 hours or more, you can be reimbursed up to $500 for your hotel room, meals, and transportation.

Read Full Review

Apply Now

On Chase’s Secure Website

Hilton Honors American Express Business Card

The Hilton Honors American Express Business Card is a great option for business owners who stay primarily at Hilton hotels and resorts, want great lounge access, and dont like foreign transaction fees. You can earn 12x points per dollar for purchases made directly with Hilton hotels and resorts, free weekend night rewards when you meet certain thresholds and 6x points per dollar spent on select business purchases like gas, United States wireless telephone services, and shipping within the US. These features are some reasons the card made it to our lists of the best business credit cards with airport lounge access and top business credit cards with no foreign transaction fee .

The Hilton Honors American Express Business Card

BEST FOR:

Maximizing rewards on Hilton-related purchases

  • Overview
  • Card Details
  • Pros & Cons
  • Additional Features

Apply Now

on The Hilton Honors American Express Business Card’s secure website.

Intro APR N/A Regular APR 17.99% – 26.99% Variable Annual Fee $95 Credit Needed Good, Excellent

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
Pros
  • Low annual fee
  • No foreign transaction fees
Cons
  • Redemption options other than hotel stays are poor
  • Balance transfers not allowed
  • No 0% introductory APR
  • Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
  • Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
  • Purchase protection: Covers your purchases for 120 days from purchase date if theyre damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of coverage on manufacturers warranties of five years or less.

See Rates & Fees

Intro APR N/A Regular APR 17.99% – 26.99% Variable Annual Fee $95 Credit Needed Good, Excellent

  • Welcome Offer: Earn 130,000 Hilton Honors Bonus Points after you spend $3,000 in purchases on the Hilton Honors Business Card in the first 3 months of Card Membership.
  • Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at US gas stations, on US purchases for shipping, on wireless telephone services purchased directly from US service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at US restaurants, 3X on all other eligible purchases.
  • Enjoy complimentary Hilton Honors Gold Status with your Hilton Honors Business Card.
  • Earn a Weekend Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
  • Earn another Weekend Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
  • Terms apply.
Pros
  • Low annual fee
  • No foreign transaction fees
Cons
  • Redemption options other than hotel stays are poor
  • Balance transfers not allowed
  • No 0% introductory APR
  • Complimentary Gold Status: You will receive complimentary Hilton Honors Gold Status, which gets you additional benefits like complimentary breakfast and rollover nights.
  • Free weekend night reward: Earn a free weekend night reward after you spend $15,000 in one year; earn a second weekend night reward after you spend $60,000 in one year.
  • Purchase protection: Covers your purchases for 120 days from purchase date if theyre damaged or stolen; coverage is limited to $1,000 per item and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of coverage on manufacturers warranties of five years or less.

See Rates and Fees

Apply Now

on The Hilton Honors American Express Business Card’s secure website.

Marriott Bonvoy Business American Express Card

If you prefer to stay at Marriott hotels, consider getting a Marriott Bonvoy Business American Express Card to earn Marriott Bonvoy rewards. It offers 6x points at participating hotelswhich include all of the previous Starwood Preferred Guest and Ritz-Carlton propertiesand 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping. This card even made it to our list of the leading business credit cards with no foreign transaction fee .

Marriott Bonvoy Business American Express Card

? Fit Small Business’s ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card’s rates, fees, rewards, and additional features like insurance.

BEST FOR:

Owners who choose to stay at Marriott Bonvoy hotels

  • Overview
  • Card Details
  • Pros & Cons
  • Additional Features

Apply Now

on Marriott Bonvoy Business American Express Card’s secure website.

Intro APR N/A Regular APR 17.99% – 26.99% Variable Annual Fee $125 Credit Needed Good, Excellent

  • Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.

See Full Editorial Review Here

Pros
  • Complimentary Marriott Bonvoy Gold Elite status
  • No foreign transaction fees
  • Premium rewards points
Cons
  • Charges an annual fee
  • No introductory 0% APR
  • Balance transfers aren’t allowed
  • Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
  • Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers warranties of five years or less.
  • Gold Elite Status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card.

Read Full Review

See Rates & Fees

Intro APR N/A Regular APR 17.99% – 26.99% Variable Annual Fee $125 Credit Needed Good, Excellent

  • Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
  • 6x points at hotels participating in the Marriott Bonvoy program.
  • 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
  • 2x points on all other eligible purchases.
  • Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
  • Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy points) at a participating hotel. Certain hotels have resort fees.
  • Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
  • Terms apply.

See Full Editorial Review Here

Pros
  • Complimentary Marriott Bonvoy Gold Elite status
  • No foreign transaction fees
  • Premium rewards points
Cons
  • Charges an annual fee
  • No introductory 0% APR
  • Balance transfers aren’t allowed
  • Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal. Coverage is limited to $1,250.
  • Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase. Coverage is limited to $10,000 per claim and $50,000 per year.
  • Extended warranty protection: Offers up to an additional two years of warranty coverage on U.S. manufacturers warranties of five years or less.
  • Gold Elite Status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card.

Read Full Review

See Rates and Fees

Apply Now

on Marriott Bonvoy Business American Express Card’s secure website.

Bottom Line

The World of Hyatt Business Credit Card is best for business owners who travel frequently and stay primarily at Hyatt hotels. If this isnt what youre looking for, visit our Credit Card Marketplace or take a look at our best small business credit cards guide to find one thats right for your business.

How much is 60000 Hyatt points worth

Is it worth it? TPG values Hyatt points at 1.7 cents each, so the full 60,000-point sign-up bonus could be worth up to $1,020 , if you consider all 60,000 points a part of the bonus.

How do I get Explorist Hyatt for free

Explorist (mid-level)

You will reach Hyatt Explorist status once you complete 30 eligible nights, earn 50,000 points or host 10 qualifying meetings or events . For a boost toward Explorist status, consider holding the World of Hyatt Credit Card.

How hard is it to get a Hyatt Credit Card

The Hyatt Credit Card’s credit score requirement is 700 or higher. This means applicants for the World of Hyatt Card need at least good credit for approval . Make sure to check your credit score for free on WalletHub before applying.

How much is Hyatt credit card annual fee

For a $95 annual fee , you can receive World of Hyatt Discoverist status and other premium travel perks. This card makes the list of our top picks for best hotel credit cards because of its low annual fee and automatic elite status.

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