Barclays
Wyndham Rewards Earner® Business Card
Key Features
| Annual Fee | $149.00 |
| Sign-up Bonus | Up to 100,000 bonus points |
| Rewards Rate | 1x-8x Points |
| Intro APR | 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases (see Terms and Conditions for details). |
| Regular APR | Purchases – 19.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Balance transfers – 19.74% to 29.74%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances – 29.99%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfer fee – Either $5 or 3% of the amount of each transfer, whichever is greater. Minimum monthly interest charge: $1. Cash advance fee: 3% (min. $10). Foreign transaction fee: 0%. |
| Network | Visa |
About this card
The Wyndham Rewards Earner® Business Card earns an overall rating of 4.1, placing it squarely in the 'Excellent' category. This card is an outstanding choice for its specific target audience: business owners who are loyal to the Wyndham brand and can effectively leverage its hotel-centric rewards and high earning categories. Its strengths are truly exceptional in these areas. The Rewards Rating of 4.7 is driven by industry-leading earning rates (8x on Wyndham, 5x on gas, marketing, office supplies, and shipping), a very generous sign-up bonus, automatic Wyndham Rewards Diamond elite status, and a substantial 15,000 annual anniversary bonus points. These benefits alone often far exceed the annual fee's value. The Fees Rating of 4.5 is also excellent, as the $149 annual fee is largely nullified by the anniversary points and a $65 wholesale club statement credit, alongside the crucial absence of foreign transaction fees. The card enjoys an excellent reputation within its niche, with users and experts consistently highlighting its value as a 'keeper card.' However, the card is significantly held back by its 'Poor' APR Rating of 2.0. The regular APR range of 19.74% to 29.74% is considerably high, making it an expensive option for any business that needs to carry a balance. While there's a niche introductory APR for Wyndham Timeshare Purchases, it lacks broad utility for general business expenses. Therefore, while this card offers phenomenal value and benefits for transactors who pay off their balance in full each month and maximize its Wyndham-centric perks, the high regular APR remains a notable limitation that prevents it from achieving a higher rating, despite its otherwise strong performance across most other critical categories.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Automatic elite status
- No foreign transaction fees
- Annual bonus points and statement credits
- Introductory APR period on specific purchases
Things to consider
- Annual fee
- High regular APR
- High balance transfer fee
- Introductory APR is limited to specific purchases
What this card offers
Sign-up bonuses
- Earn up to 100,000 bonus points
- Earn 45,000 bonus points after spending $3,000 on qualifying purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. Timeshare down payment purchases do not qualify. Free nights can require up to 45,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Rewards
- Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles.
- Earn 5 points per $1 spent on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases.
- Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments).
Other features
- Anniversary Bonus Receive 15,000 bonus points each anniversary year after payment of your annual fee
- Automatically receive a Wyndham Rewards DIAMOND member level and enjoy suite upgrades, welcome amenity at check-in, and more.
- Wyndham Rewards Earner Cardmembers can save even more on our Standard Rate for stays at participating Hotels by Wyndham.
- Unlimited Earning – There is no limit to the number of points you can earn.
- Redeem 20% fewer Wyndham Rewards points for free nights, which means you can book free nights starting at just 4,000 points.
- Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.
- $65 Wholesale Membership Club Credit Enjoy an annual $65 statement credit on eligible Wholesale Member clubs.
- Complimentary Employee Cards offer you more control over business expenses and improved tracking by adding employees to your account at no additional cost.
- No foreign transaction fees on international purchases.
- $0 Fraud Liability protection You’re not responsible for charges you did not authorize.
- Contactless Technology – Use Tap to Pay for faster, easier, contactless purchasing.
- Visa SavingsEdge turns qualifying business purchases into savings. Visit visasavingsedge.com for details.
- Extended Warranty protection provides valuable features that help you manage, use, and extend the warranties for eligible items purchases.
- The ability to separate business and personal expenses to make recordkeeping simple.
- A dedicated credit line for your business, allowing you to consolidate business expenses.
- A source of working capital with the flexibility to pay your account in full each month or to pay over time (interest charges apply if not paid in full).
- Access to cash through a worldwide network of ATMs (fees apply).
- Unique card numbers for you and your employees linked to your company account, allowing you to see a consolidated summary of all your business expenses.
- Control over individual employee total credit line, single purchase limit and cash access.
- 24/7 online convenience with the ability to monitor recent transactions, download transactions and control employee spending.
Additional Notes
The Wyndham Rewards Earner Cards are issued by Barclays Bank Delaware pursuant to a license from Visa U.S.A. Inc.