The song, as well as the album on which it is featured, was a marked departure from Chicago's traditional soft rock, horn-driven sound, taking on a polished and modern feel. With minimal horns, the track instead featured more layered synthesizers and heavier distorted guitar in a 1980s power ballad styling. A second movement of the song, "Get Away", prominently does feature the Chicago horns, and it was co-written by Robert Lamm.
Deviating from Chicago's practice of having mostly band members playing on their albums, "Hard to Say I'm Sorry" featured several session musicians. The song featured producer David Foster on the piano, Michael Landau and Chris Pinnick on guitars as well as two members of the American rock band Toto, including David Paich and Steve Porcaro both contributing synthesizers. The song's vocals were performed by Peter Cetera, who also plays acoustic guitar. The only other member of Chicago besides Cetera that played on the track was drummer Danny Seraphine.
Chicago made a music video for the song. According to Cetera, the videos for "Hard to Say I'm Sorry" and "Love Me Tomorrow" were shot on the same day. The band appears in a black colored room with diamonds on the wall.
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