
Wyndham Rewards® Earner℠ Business Card
Rewards rate
1X–8XAnnual fee
$95Intro offer
45,000 pointsRegular APR
15.99%, 19.99% or 24.99% (Variable)Recommended Credit Score
Good to Excellent (670 - 850)At Bankrate, we have a mission to demystify the credit cards industry — regardless or where you are in your journey — and make it one you can navigate with confidence. Our team is full of a diverse range of experts from credit card pros to data analysts and, most importantly, people who shop for credit cards just like you. With this combination of expertise and perspectives, we keep close tabs on the credit card industry year-round to:
At Bankrate, we focus on the points consumers care about most: rewards, welcome offers and bonuses, APR, and overall customer experience. Any issuers discussed on our site are vetted based on the value they provide to consumers at each of these levels. At each step of the way, we fact-check ourselves to prioritize accuracy so we can continue to be here for your every next.
Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions.
We value your trust. Our mission is to provide readers with accurate and unbiased information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check editorial content to ensure the information you’re reading is accurate. We maintain a firewall between our advertisers and our editorial team. Our editorial team does not receive direct compensation from our advertisers.
Bankrate’s editorial team writes on behalf of YOU – the reader. Our goal is to give you the best advice to help you make smart personal finance decisions. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information.
You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey.
Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The content created by our editorial staff is objective, factual, and not influenced by our advertisers.
We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money.
Bankrate.com is an independent, advertising-supported publisher and comparison service. We are compensated in exchange for placement of sponsored products and, services, or by you clicking on certain links posted on our site. Therefore, this compensation may impact how, where and in what order products appear within listing categories. Other factors, such as our own proprietary website rules and whether a product is offered in your area or at your self-selected credit score range can also impact how and where products appear on this site. While we strive to provide a wide range offers, Bankrate does not include information about every financial or credit product or service.
This content is powered by HomeInsurance.com, a licensed insurance producer (NPN: 8781838) and a corporate affiliate of Bankrate.com. HomeInsurance.com LLC services are only available in states were it is licensed and insurance coverage through HomeInsurance.com may not be available in all states. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
2.5
Rewards rate
1X–8XAnnual fee
$95Intro offer
45,000 pointsRegular APR
15.99%, 19.99% or 24.99% (Variable)Recommended Credit Score
Good to Excellent (670 - 850)The Wyndham Rewards Earner Business Credit Card is ideal for small business owners whose work requires frequent travel. The card’s rewards for business-related spending, low annual fee and benefit of Wyndham’s 9,000+ international locations enrich its overall value.
Although the welcome offer is a bit low compared to similar cards, the annual bonus points still set the Wyndham Business Credit Card apart. Cardholders are awarded an automatic 15,000 points each year on their card anniversary, a value that offsets the annual fee.
Business owners may have a hard time deciding whether a travel credit card or a business credit card is more beneficial, and the Wyndham Rewards Business Card offers a fair balance of both.
New cardholders will receive 45,000 bonus points after spending $1,000 within the first 90 days of membership. This isn’t as lucrative as something like the Hilton Honors American Express Surpass® Card* that offers: 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Hilton Honors American Express Surpass Card in the first 3 months of card membership. Plus, you can earn up to $130 in Statement Credits on eligible purchases made on the Card at any of the Hilton family hotels in the first 12 months of Membership. The Chase Sapphire Preferred® Card, also a great starter travel card, offers 60,000 bonus points for cardholders who spend $4,000 in the first three months. The Wyndham Business Credit Card’s low spending requirement, however, does make the welcome offer more accessible for cardholders who may not be doing as much initial spending.
Two related Barclays credit cards, the Wyndham Rewards Earner℠ Card and the Wyndham Rewards Earner℠ Plus Card, offer similar bonuses but less of the perks aimed at business owners. Those two also require $1,000 of spending in the first 90 days, but the Wyndham Rewards Earner Card only gives 30,000 in bonus points compared to 45,000 that you would receive from the Wyndham Rewards Earner℠ Plus. If you’re a frequenter of Wyndham hotels who would like a good welcome offer but don’t own a business, either of the two related cards may be better credit card offers.
The Wyndham Rewards Earner Business Credit Card earns 8X points per dollar for eligible gas and Wyndham hotel purchases, 5X points per dollar on eligible business-related purchases (marketing, advertising and utilities) and 1X point per dollar on all other purchases (excluding Wyndham timeshare resorts down payments).
Each year on the cardholder’s anniversary date of activating their membership, 15,000 bonus points are automatically awarded. Other rewards credit cards have comparable points systems, but few offer that amount of automatic bonus points annually.
There is no limit to the amount of points that cardholders can earn. For all of your business travel, qualifying purchases made at any of Wyndham’s locations will earn 8X points per dollar.
Gas purchases are also eligible for 8X points per dollar. Business spending on eligible marketing, advertising and utilities expenses earn 5X points per dollar. All other purchases that your business may require, such as supplies, inventory or maintenance, receive 1X point per dollar (Wyndham timeshare resort down payments are excluded and will not earn points.).
Cardholders can redeem points earned on the Wyndham Business Credit Card for a discounted night at any of Wyndham’s 9,000+ international locations. For other traveling expenses, points can be used toward gift cards, shopping or airline transfers.
Wyndham Hotels also have a “go free” redemption option that gives members a free night at a participating hotel. You can redeem 7,500 to 30,000 points for a night or 15,000 to 30,000 points per bedroom at participating resorts and vacation rentals. Cardholders also receive a 10 percent redemption discount for redeeming “go free” awards.
Points earned on the Wyndham Business Credit Card also never expire as long as your membership is active.
According to The Points Guy’s most recent valuations, Wyndham Rewards points are worth up to 1.1 cents per piece. The biggest value in redeeming points earned on your Wyndham Rewards Earner Business Credit Card comes from Wyndham hotel stays. A free night generally costs 7,500 points, 15,000 points or 30,000 points depending on the property. This means your 15,000 annual bonus points gives you at least one automatic free stay.
Points that are redeemed for gift cards, shopping or airline transfers offer less value. Gift cards offer the lowest worth at just 0.4 cents per point.
The Wyndham Business Credit Card earns its stay in your wallet by offering a mixture of business and travel benefits. Redeeming points for discounted or free rooms is only half of the Wyndham advantages and just the start of what the card offers specifically for business owners.
As a cardholder, you automatically receive Wyndham’s highest member level benefits. Diamond status earns you suite upgrades (subject to availability ), late checkout and early check-in (subject to availability), welcome amenities for qualified stays and various member discounts. This level also allows you to gift Gold status to a friend or family member one time per year. On “go free” award stays, Diamond members also receive two free tickets to local events.
Diamond level status with Wyndham also gives you Diamond level status with Caesars Rewards. The casino loyalty club includes exemption from resort fees, gift shop discounts, priority check-in, special gaming offers and more at their 30+ destinations.
Wyndham Business Credit Card members also enjoy a booking discount at Wyndham Hotels that could save you 7 percent to 12 percent, while the standard discount for Wyndham Rewards members is capped at 10 percent.
Many comparable hotel credit cards have extra high annual fees or require a certain amount be spent before granting elite status, so the Wyndham Rewards Earner Business’s perks are more easily attainable.
Wyndham’s related cards, the Wyndham Rewards Earner and the Wyndham Rewards Earner Plus, present many of the same traveling rewards but lack the business-focused perks. The Wyndham Business Credit Card offers:
The Wyndham Business Credit Card’s annual fee of $95 is standard with comparable cards like the *Hilton Honors American Express Surpass Card and the Ink Business Preferred® Credit Card. The 15,000 annual bonus points, however, are high enough in value to offset the annual fee.
If you’re taking your business global and plan to travel internationally, you won’t have to worry about the usual 3 percent foreign transaction fees with this card.
Cards meant for frequent travelers generally don’t have an introductory 0 percent APR, but this card does offer a 0 percent intro APR on eligible Wyndham Timeshare purchases for six billing cycles after the transaction date. After the review of your application and credit history, the card’s variable APR that would be charged to a carrying balance will be either 15.99 percent, 19.99 percent or 24.99 percent. For cash advances, the card’s APR is 25.24 percent variable.
If you’re looking for a card that does offer a 0 percent purchase introductory APR, you’ll have more luck with options that don’t include as many travel perks.
Annual fee
$95Intro offer
45,000 pointsRewards rate
1X–8XRecommended credit
Good to Excellent(670 - 850)Annual fee
$95Intro offer
Earn 130,000 PointsRewards rate
3X–12XRecommended credit
Good to Excellent(670 - 850)on Chase's secure site
Annual fee
$95Intro offer
100,000 pointsRewards rate
1X–3XRecommended credit
Good to Excellent(670 - 850)If you are a business owner or frequent traveler looking for a card that hits the middle ground, then the Wyndham Rewards Earner Business is a great choice. Supplementing it, however, with another card that is more focused on the rewards, travel or business aspects is also a great option if you want to prioritize one of those areas.
The Discover it® Miles would be a good additional card for earning miles if you want to go the travel-focused route. You’ll earn unlimited 1.5X miles for all purchases and Discover will automatically match the miles you’ve earned at the end of your first year. Best of all, there’s no annual fee and the purchase intro APR is 0 percent for 15 months (then 13.49 percent to 24.49 percent variable APR).
For more rewards as a business owner, a card that offers unlimited cash back on all purchases is another great option. The Ink Business Unlimited® Credit Card boasts 1.5 percent cash back, no annual fee and a 0 percent purchase introductory APR for 12 months (then 13.99 percent to 19.99 percent variable APR). The welcome offer includes $750 in bonus cash back after spending $7,500 on purchases in the first three months. It also offers the usual business benefits like complimentary employee cards, zero liability protection, extended warranties and emergency assistance services.
The Wyndham Rewards Earner Business is made for the traveling small business owner. It has a low annual fee, great Wyndham Hotels perks and a rewarding points system.
The mixture of business and travel benefits are what create this card’s value, but only if you frequent many of Wyndham’s 9,000+ international properties. Rewards points earned for Hotels By Wyndham and gas purchases hold the most value at 8X points per dollar, then business spending on eligible marketing, advertising and utilities earn 5X points per dollar and all other purchases earn 1X point per dollar (excluding Wyndham timeshare resorts down payments).
Even a startup business owner who may not be spending much will still automatically earn 15,000 bonus points each year on their card anniversary, a value that’s more than the $95 annual fee. Less active spenders can also more easily reap the benefits of the welcome offers 45,000 due to the low spending requirement of $1,000 within the first three months.
The automatic Diamond level status, booking discounts and the “go free” awards program mean cardholders can save money and enjoy more perks at every turn when traveling through Wyndham properties.
*The information about the Wyndham Rewards® Earner℠ Business Credit Card, Wyndham Rewards Earner℠ Card, Wyndham Rewards Earner℠ Plus Card and the Hilton Honors American Express Surpass® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.
* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.
Editorial Disclosure: Opinions expressed here are the author's alone, and have not been reviewed or approved by any advertiser. The information, including card rates and fees, is accurate as of the publish date. All products or services are presented without warranty. Check the bank’s website for the most current information.
Share