The Wyndham Rewards® Earner℠ Business Card offers top-tier Diamond status and generous points earning on Wyndham stays and gas purchases. With an annual bonus of 15,000 points and a 10% discount on award nights, this card provides great value for business owners who frequently stay at Wyndham properties.
This credit card review will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.
Welcome Bonus of Wyndham Earner Business
The Wyndham Earner Business currently offers the following welcome bonus: Earn up to 75,000 bonus points (Earn 50,000 bonus points after spending $4,000 and paying the annual fee in full within the first 90 days. Also, earn 25,000 bonus points after spending $12,000 within the first 365 days.)
With Wyndham’s award chart, these bonus points can go quite far. Free nights at Wyndham properties typically cost 7,500, 15,000 or 30,000 points per night. As a cardholder, you’ll also enjoy a 10% discount on award stays. This means your welcome bonus could potentially get you up to 10 free nights at lower-tier Wyndham properties.
To maximize your chances of approval, it’s wise to consider Barclays’ application restrictions before applying. If you’ve previously held this card, you may need to wait at least six months after canceling before reapplying. Additionally, Barclays tends to be sensitive to recent credit inquiries, so having fewer than six inquiries in the past 24 months may improve your odds.
Keep in mind that this is a business credit card, so you’ll need to have some form of business to be eligible. However, many types of small businesses or side hustles can qualify. You’ll also typically need at least a good credit score (670+) for the best chances of approval.
Earning Points with Wyndham Earner Business
The Wyndham Earner Business earns points at the following rates:
The card offers strong bonus categories with 8x points on Wyndham stays and gas purchases, as well as 5x on marketing, advertising and utilities. This rewards setup is excellent for business owners who frequently stay at Wyndham properties and have high spend in those bonus categories.
However, the 1x base earning rate on other purchases is low compared to some competing business cards. For everyday non-bonus spending, you may want to pair this with a card offering higher base rewards.
Annual Fee of Wyndham Earner Business
The Wyndham Rewards Earner Business Card has a $95 annual fee. You’ll receive 15,000 bonus points each account anniversary, which can easily offset the annual fee when redeemed for free nights. The card also provides valuable perks like automatic Wyndham Diamond status, a 10% discount on award stays, and bonus points on Wyndham stays and gas purchases. There’s no additional fee for authorized user cards. Authorized users can help you earn points on their spending, but don’t receive any additional benefits beyond what’s provided to the primary cardholder.
Card Benefits of Wyndham Earner Business
Below are the card benefits and perks of the Wyndham Earner Business: Annual 15,000 Points Bonus: Cardmembers receive 15,000 bonus points each card anniversary for just holding the card. This helps offset the annual fee and is enough for two nights at a lower-tier hotel or one night at a mid-tier hotel. Diamond Elite Status: This card offers automatic Wyndham Diamond Elite status for holding the card. Booking Discount: Cardholders save 7% or 12% off the Best Available Rate. The typical Member Rate is a 5% to 10% discount, so this benefit is only about a 2% extra discount. Award Discount: Wyndham cardholders automatically get a 10% discount on free night (Go Free) awards, normally costing 7,500, 15,000, or 30,000 points. Extended Warranty Protection: Your purchases gain an extra year of warranty protection when bought with this card, extending manufacturer warranties of three years or less without the inflated prices of store warranty plans. No Foreign Transaction Fees: You’ll save money on every purchase while traveling internationally since this card doesn’t add the typical 3% surcharge that many other cards impose. 0% Intro APR on Timeshares: This card offers 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases. After that, your APR will be 20.99%, 24.99% or 29.99%, based on your creditworthiness.
Redeeming Wyndham Rewards
Wyndham Rewards offers a variety of redemption options, but using points for free hotel stays typically provides the best value. The program has a straightforward three-tier award chart, with nights costing 7,500, 15,000, or 30,000 points depending on the property. This simplicity makes it easy to plan and budget for reward stays. For maximum value, look for high-end properties or book during peak travel times when cash rates are elevated. The 7,500-point tier can be particularly useful for road trips, offering budget-friendly stays along major routes. At the 15,000-point level, you’ll find appealing options like the Club Wyndham Kona Hawaiian Resort. The top 30,000-point tier includes upscale hotels in major cities, such as The New Yorker in Manhattan. If you’re short on points, consider Wyndham’s “Go Fast” option, which allows you to combine points and cash for discounted stays. This can help stretch your points further, especially for longer trips. An intriguing alternative is using points for Vacasa vacation rentals. At 15,000 points per bedroom per night, this can offer excellent value, particularly for larger properties. However, availability can be limited, and bookings must be made by phone.
Pros and Cons of Wyndham Earner Business
Here are the advantages and disadvantages of this card:
Pros:
Automatic Diamond Status: Cardholders receive automatic top-tier Wyndham Rewards Diamond status, which provides benefits like suite upgrades, early check-in, late checkout, and a welcome amenity.
Generous Earning Rates: The card offers 8x points at Wyndham properties and on gas purchases, 5x points on marketing, advertising and utilities, allowing business owners to quickly rack up points on common expenses.
Annual Bonus Points: Cardholders receive 15,000 bonus points each account anniversary year, which can be worth up to two free nights at lower-tier Wyndham properties.
Award Night Discount: Cardholders get a 10% discount when redeeming points for award nights, stretching the value of their points even further.
Cons:
Limited Redemption Options: Wyndham Rewards points can primarily only be redeemed within the Wyndham ecosystem, limiting flexibility compared to more versatile travel rewards programs.
Annual Fee: The card carries a $95 annual fee, which may not be worthwhile for those who don’t frequently stay at Wyndham properties or utilize the card’s bonus categories.
Narrow Bonus Categories: While the bonus categories are generous, they are fairly specific (marketing, advertising, utilities) and may not align with all business owners’ spending patterns.
Alternatives to Wyndham Earner Business
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Ink Business Preferred® Credit Card
The Ink Business Preferred® Credit Card (review) offers great rewards for small business owners. With bonus points on travel, shipping, advertising, and communication services, plus valuable travel protections, it’s a solid choice for companies looking to maximize their everyday spending. Welcome Bonus: bonus_miles_full Earning Rewards: 3x points on travel, shipping, advertising made with social media sites and search engines, and internet, cable and phone services on the first $150,000 spent in combined purchases in the following categories each account anniversary year; 1x points on all other eligible purchases. Card Benefits: Points are worth 25% more when you redeem for travel through Chase Travel, no foreign transaction fees, primary rental car insurance, trip cancellation insurance, cell phone protection, purchase protection, and extended warranty. Transfer Partners: Aer Lingus, Air Canada Aeroplan, British Airways, Emirates, Air France KLM Flying Blue, Hyatt, IHG, Iberia, JetBlue, Marriott, Singapore KrisFlyer, Southwest, United, and Virgin Atlantic.
The Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card (review) offers complimentary Gold elite status and up to $240 in annual Hilton credits (up to $60 per quarter), making it a solid option for small business owners who frequently stay at Hilton properties. While it lacks free night awards, the card provides good value for Hilton loyalists through its earning rates and elite status benefits. Welcome Bonus: bonus_miles_full Earning Points: 12x points for purchases made directly with hotels and resorts in the Hilton portfolio and 5x points on all other purchases made with the card on the first $100,0000 in purchases each calendar year (3x points thereafter). Benefits: Complimentary Hilton Gold elite status, earn Hilton Diamond when you spend $40,000 on your Card in a calendar year, up to $240 back each year for eligible purchases made directly with Hilton ($60 per quarter), National Emerald Club Executive status (upon enrollment), baggage insurance plan, secondary rental car insurance, extended warranty, and purchase protection.
The American Express Blue Business Cash™ Card
The American Express Blue Business Cash™ Card (review) offers 2% cash back on the first $50,000 in eligible purchases annually, then 1% thereafter, with rewards automatically credited to your statement each billing cycle. This no-annual-fee card (rates & fees) provides a straightforward way for small businesses to earn cash back on expenses, though larger spenders may find more value in other options. Welcome Bonus: bonus_miles_full Earning Cash Back: 2% cash back on up to $50,000 in eligible purchases every calendar year. After that, the card earns 1% back. Your cash back on the Blue Business Cash appears as an automatic monthly statement credit. Benefits: Extended warranty, purchase protection, secondary rental car insurance, Expanded Buying Power, and 0% Intro APR on purchases for 12 months from account opening, after that a reg_apr,reg_apr_type APR applies. 
Is the Earner Business Card Worth It?
The Wyndham Rewards Earner Business Card offers 8x points per dollar on Wyndham stays and gas purchases, which can be valuable for frequent Wyndham guests. It provides automatic Diamond status, potentially granting perks like suite upgrades and late checkout, subject to availability.
The card’s $95 annual fee is partially offset by 15,000 bonus points awarded each anniversary year. While the earning rates are strong for Wyndham stays and gas, the card offers limited bonus categories for other business expenses.
This card may be worth considering for business owners who regularly stay at Wyndham properties, but those who vary their hotel choices might want to explore more flexible options.
If you don’t frequently stay at Wyndham hotels, you may want to look into other business credit cards that offer more versatile rewards or benefits that better align with your spending patterns such as:
For rates and fees of the American Express Blue Business Cash™ Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
For rates and fees of The Hilton Honors American Express Business Card, please click here. Eligibility and Benefit level varies by Card. Terms, Conditions, and Limitations Apply. Please visit americanexpress.com/benefitsguide for more details. Underwritten by Amex Assurance Company.
