The Plum Card from American Express vs World of Hyatt Business Credit Card: which one fits your business?
Side-by-side comparison of The Plum Card from American Express and World of Hyatt Business Credit Card — fees, features, ease, support, and which one fits your business. Scored on the same rubric.
Short answer: World of Hyatt Business Credit Card wins on our scorecard (7.3/10 vs 7.1/10).
| Scored on | The Plum Card from American Express | World of Hyatt Business Credit Card |
|---|---|---|
| Right fit for small biz | 7 | 8 |
| Ease of use | 8 | 7 |
| Fees & pricing | 6 | 7 |
| Customer support | 6 | 6 |
| Features | 8 | 8 |
| Annual Fee | $250 | — |
| Early Pay Discount | 1.5% | — |
| Late Fee | $39 or 2.99% | — |
| Foreign Transaction Fee | $0 | — |
| Annual fee | — | $199 |
| Foreign transaction fee | — | $0 |
| Employee card fee | — | $0 (up to 5) |
| Purchase APR | — | 21.49% - 28.49% (Variable) |
The Plum Card from American Express in one paragraph
A specialized cash-flow tool that excels for inventory-heavy businesses but loses to cheaper 2% cards for everyone else.
Skip it if: You have steady cash flow and can always pay your balance in full within 30 days.
World of Hyatt Business Credit Card in one paragraph
The premier choice for high-spend businesses looking to 'buy' Hyatt Globalist status through operational expenses rather than hotel nights.
Skip it if: You don't spend at least $10,000 annually on the card, as you'll lose money compared to the consumer version's free night benefit.
Frequently asked questions
Which is better, The Plum Card from American Express or World of Hyatt Business Credit Card?
On our five-axis scorecard, World of Hyatt Business Credit Card scores higher (7.3/10 vs 7.1/10). The premier choice for high-spend businesses looking to 'buy' Hyatt Globalist status through operational expenses rather than hotel nights.
Who should skip The Plum Card from American Express?
You have steady cash flow and can always pay your balance in full within 30 days.
Who should skip World of Hyatt Business Credit Card?
You don't spend at least $10,000 annually on the card, as you'll lose money compared to the consumer version's free night benefit.