The Wyndham® Rewards Visa® Signature Card

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Best for frequent Wyndham guests, otherwise skip it.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our no foreign transaction fees category page.

Advertiser Disclosure: This post contains references to products from one or more of our advertising partners.

Wyndham Hotels and Barclaycard have teamed up to bring rewards-conscious consumers the Wyndham Rewards Visa Signature Card. For regular Wyndham visitors, this card offers a generous rewards program for participating hotel purchases.

Review

The Wyndham® Rewards Visa® Signature Card makes sense for people who stay at Wyndham properties, such as business travelers. For the casual hotel guest, this card might be costlier than it is worth. For the $75 annual fee, you might get your money’s worth in the first year when the sign-up bonuses are big, but after that it could become challenging.

As a general rewards card, this is a lackluster option as the redemption value on things like travel and gift cards — basically anything outside of Wyndham hotel reservations — comes up short. Plus, there is no option to get cash back, so to maximize your rewards earnings you’d have to use your points toward the hotel bookings. Things like airline tickets and gift cards will get you about $0.43 per point, whereas a hotel stay could give you up to $1.45 per point, depending on the travel dates, hotel and location.

You’ll earn 5 points for every $1 spent on participating hotels, Wyndham Vacation Rental North America properties, and on-property purchases and maintenance fees at Club Wyndham, WorldMark by Wyndham, and Shell Vacations Club properties. You can also earn 2 points per $1 on eligible gas, utility and grocery store purchases; and one 1 point per $1 spent on all other purchases. Walmart, Target and Wyndham timeshare down payments are among those that are excluded from earning points.

New cardholders will earn 15,000 bonus points after the first purchase and the chance to get an additional 15,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening. The combined 30,000 points is enough for two free nights at a Wyndham hotel.

Who should get this card

If you’re already a member of the Wyndham Loyalty Program, which is free to join and gives members 10 points per dollar or 1,000 points on every qualified stay, whichever is more, then this card can soup up your earnings and get you into a free room faster.

Fees and APR

  • Pay a variable APR of 16.74 percent, 21.99 percent or 26.49 percent on purchases.
  • There are no foreign transaction fees on purchases made outside the U.S.
  • Cash advance APR is 26.74 percent.
  • For 6 billing cycles, new cardholders will get a 0 percent introductory APR on all Wyndham Timeshare purchases; after that it will be 16.74 percent, 21.99 percent or 26.49 percent.
  • For the first 15 billing cycles, new cardholders will get a 0 percent introductory APR following each balance transfer that posts to their account within 45 days of account opening; after that it will be 16.74 percent, 21.99 percent or 26.49 percent.

Extras, perks and using points

You can redeem your points for a wide variety of things, from hotel stays and travel to gifts cards and more.

Cardholders will receive 6,000 anniversary points beginning with the first anniversary and every anniversary thereafter.

How this card compares

Citi Prestige® Card
  • Earn 3 ThankYou Points for every dollar you spend on purchases at airlines and hotels.
  • Earn 2 ThankYou Points for every dollar you spend on purchases at restaurants and select entertainment merchants.
  • Earn 1 ThankYou Point for every dollar you spend on all other purchases.
  • Cardmembers with a Citigold® or Global Client relationship will earn an additional 15% in ThankYou Points based on purchases made on your card during that cardmembership year, and those with a Private Bank relationship will earn an additional 25% in ThankYou Points.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our no foreign transaction fees category page.

Credit Needed

Excellent

Regular APR

16.74% to 24.74%, based on your creditworthiness. These APRs will vary with the market based on the Prime Rate.

Annual Fee

$450.

Balance Transfers Intro APR

The Citi Prestige Card gives air travel rewards at a rate of 3X points to the Amex Platinum’s 5X points. But, it comes with one perk that could make it worth more to you: on hotel stays of four or more nights booked through the Citi concierge, get the fourth night free. For some, this benefit could exceed the cost of card ownership.

Barclaycard Arrival Plus® World Elite Mastercard®
  • Enjoy 40,000 bonus miles after you spend $3,000 on purchases in the first 90 days - that's enough to redeem for a $400 travel statement credit toward an eligible travel purchase
  • Earn 2X miles on all purchases
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • Miles don't expire as long as your account is open, active and in good standing
  • No foreign transaction fees on purchases made while traveling abroad
  • 0% introductory APR for 12 months on Balance Transfers made within 45 days of account opening. After that, a variable APR will apply, 17.24%, 21.24% or 24.24%, based on your creditworthiness.
  • There is a fee for balance transfers.

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our no foreign transaction fees category page.

Credit Needed

Excellent

Regular APR

17.24%, 21.24% or 24.24%, based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

Annual Fee

$89 (waived for the first year)

Balance Transfers Intro APR

0% introductory APR for the first twelve billing cycles following each balance transfer that posts to your account within 45 days of account opening. After that, (and for balance transfers that do not post within 45 days of account opening) your APR will be 17.24%, 21.24% or 24.24% based on your credit worthiness. This APR will vary with the market based on the Prime Rate.

The Barclaycard Arrival Plus World Elite MasterCard will likely appeal to those who want the most flexible redemption options for their miles.  You can use your earnings to book travel, get a statement credit for travel purchases, or for gift cards and select merchandise.  This may be of greater value to you depending on your spending habits.

Chase Sapphire Preferred® Card
  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Credit Needed

Excellent/Good

Regular APR

17.49% - 24.49% Variable

Annual Fee

$0 Intro for the First Year, then $95

Purchase Intro APR

N/A

Balance Transfers Intro APR

N/A

The Chase Sapphire Preferred Card’s hefty sign-up bonus, boosted redemption value when using the Chase portal, and a generous rewards program make this card a stand-out among travel rewards cards offering big value for minimal cost. Since Chase Ultimate Rewards points can be used for everything from flights to lodging to cruises, this also makes it one of the most flexible redemption programs among travel cards.

EDITORIAL NOTE

Opinions expressed here are author's alone, not those of any bank, credit card issuer, airlines, or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.