Free Spirit vs World of Hyatt Business
Free Spirit
$79/yr
6.5/10
VS
World of Hyatt Business
$199/yr
6.0/10
Quick Answer
Free Spirit charges $79/yr with 1X base rewards. World of Hyatt Business charges $199/yr with 1X base rewards. Free Spirit offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Free Spirit
Lower annual fee ($79 vs $199)
Rewards Earning
World of Hyatt Business
5 earning categories
Benefits & Protection
See card details
Visit each card's review for full benefits list
Statement Credits
World of Hyatt Business
$100 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Free Spirit wins for most people
The $120 fee difference is hard to justify unless you maximize premium benefits.
Apply for Free SpiritPREMIUM PICK
World of Hyatt Business wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for World of Hyatt BusinessRewards Earning: Detailed Comparison
Free Spirit
| Spirit Airlines purchases | 3.0X |
| Dining & grocery | 2.0X |
| Everything else | 1.0X |
World of Hyatt Business
| Hyatt hotels (4 base + 5 bonus) | 9.0X |
| Dining | 2.0X |
| Airline tickets (direct) | 2.0X |
| Local transit & commuting | 2.0X |
| Everything else | 1.0X |