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 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.

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. 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

Citi Prestige® Card
  • 3x points on Air Travel and Hotels
  • 2x points on Dining at Restaurants and Entertainment
  • 1X points on all other purchases

This card offer is currently unavailable on Bankrate. To see more cards in this category, please visit our good credit category page.

Credit Needed

Excellent

Regular APR

17.49% to 25.49%, based on your creditworthiness, for transfers completed within 2 months from date of account opening. 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®
  • Limited Time Offer: Enjoy 70,000 bonus miles after spending $5,000 on purchases in the first 90 days
  • Earn unlimited 2X miles on every purchase
  • Book travel your way—no airline, seat or hotel restrictions—and redeem your miles for travel statement credits
  • Get 5% miles back to use toward your next redemption, every time you redeem
  • No foreign transaction fees
  • International Chip and PIN for use at self-service chip terminals around the world
  • Miles don't expire as long as your account is open, active and in good standing
Credit Needed

Good/Excellent

Regular APR

17.99%, 21.99% or 24.99% variable based on your creditworthiness

Annual Fee

$89 (waived first year)

Purchase Intro APR

N/A

Balance Transfers Intro APR

0% intro for first 12 billing cycles following each BT that posts within 45 days of account opening

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 "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises 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

17.99% - 24.99% 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.