The Wyndham® Rewards Visa® Signature Card
Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.
This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our good credit category page.
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.
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. If you don’t stay at Wyndham properties often, consider a different hotel credit card.
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
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.
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.
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.