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 on purchases |
| Intro APR | 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases (see Terms and Conditions for details). |
| Regular APR | Purchases – 19.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Balance transfers – 19.49% to 29.49%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances 29.74%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfers – Either $5 or 3% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $1. Balance transfer fee: 3% (min. $5). 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 3.9, positioning it as a very good card, especially for its specific target audience. The card's strengths are undeniably exceptional for business owners who are loyal to the Wyndham brand and frequently utilize its hotels and associated business categories. Its Rewards Rating of 4.7 is driven by incredibly high earning rates (8x on Wyndham, 5x on gas, marketing, office supplies, and shipping), a generous sign-up bonus, automatic Wyndham Rewards Diamond elite status, and a substantial 15,000 annual anniversary bonus points that often far exceed the annual fee's value. The Fees Rating of 4.5 is also outstanding, primarily due to the absence of foreign transaction fees, and the fact that the $149 annual fee is effectively offset by the annual 15,000 points and a $65 wholesale club statement credit. The card enjoys a strong reputation among its users, often cited as a 'keeper' card due to its ongoing value. However, the card is significantly held back by its 'Poor' APR Rating of 2.0. The regular APR range of 19.49% to 29.49% is considerably high, making it a very expensive card for any business that needs to carry a balance. While the niche introductory APR for Wyndham Timeshare Purchases exists, it's not broadly applicable. Therefore, while this card offers phenomenal value and benefits for those who pay off their balance in full each month and leverage its Wyndham-centric perks, the high APR remains a critical drawback for others, preventing it from reaching an 'Excellent' overall rating.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate on travel and business purchases
- No foreign transaction fees
- Automatic elite status with the hotel brand
- Annual bonus points
- Annual statement credit for wholesale clubs
Things to consider
- Annual fee
- High regular APR
- Introductory APR is limited to specific purchases
- Balance transfer fees apply
What this card offers
Sign-up bonuses
- LIMITED-TIME OFFER: Earn up to 100,000 bonus points, enough for up to 13 free nights at participating properties
- Earn 45,000 bonus points after spending $3,000 on 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. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.2,3
Rewards
- Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles.3
- Earn 5 points per $1 spent on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases.3
- Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation.3
Other features
- Anniversary Bonus Receive 15,000 bonus points each anniversary year after payment of your annual fee-that’s enough for up to two free nights at participating hotels every year.2,3
- Get DIAMOND! Automatically receive a Wyndham Rewards DIAMOND member level and enjoy suite upgrades, welcome amenity at check-in at select hotels, and more.3
- Enjoy a Cardmember Booking Discount Wyndham Rewards Earner Business Cardmembers can save even more on our Standard Rate at participating Hotels by Wyndham.3
- Unlimited Earning There is no limit to the number of points you can earn.3
- Earn Free Nights Faster Redeem 20% fewer Wyndham Rewards points when you book free nights starting at just 6,000 points.3
- Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.4
- $65 Wholesale Membership Club Credit Enjoy an annual $65 statement credit on eligible Wholesale Member clubs.7
- Complimentary Employee Cards offer you more control over business expenses and improved tracking by adding employees to your account at no additional cost.6
- No foreign transaction fees on international purchases.1
- $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.
Additional Notes
Wyndham Rewards Free Nights at participating properties can require up to 30,000 points per bedroom. Free Nights are subject to availability and member must have enough points for all bedrooms in desired accommodation to book. Most properties: points apply to room rate only, including taxes. Resort fees may apply; points can’t be used to pay them. Blackout dates/rates, minimum length of stay requirements, and other restrictions apply; see wyndhamrewards.com/terms for more information.