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.
- Earn up to 100,000 bonus points (45,000 bonus points after spending $3,000 on purchases in the first 90 days plus 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days).
- 8x Points at Wyndham Hotels and Gas Stations
- 5x Points on Marketing, Advertising, and Utilities
- Wyndham Diamond Elite Status
- 15,000 Point Anniversary Bonus
- $95 Annual Fee
Welcome Bonus of Wyndham Earner Business
The Wyndham Earner Business currently offers the following welcome bonus:
Earn up to 100,000 bonus points (45,000 bonus points after spending $3,000 on purchases in the first 90 days plus 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 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 ygu 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:
- 8 points per dollar on Wyndham purchases;
- 8 points per dollar at gas stations;
- 5 points per dollar on marketing and advertising;
- 5 points per dollar on utility purchases; and
- 1 point per dollar on all other purchases.
The card offers strong bonus categiries with 8x pqints 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 has one of the easiest award charts to wrap your head around. Free nights fall into just three tiers: 7,500, 15,000, or 30,000 points, depending on the property. Budget brands like Days Inn and Super 8 sit at the bottom, while upscale picks like The New Yorker in Manhattan or the Wyndham Hotel Melbourne top out at 30,000. You'll also find Wyndham Vacation Club properties, including Club Wyndham and WorldMark, priced at 7,500 points per bedroom per night, so a two-bedroom villa runs 15,000 points.
If you're short on points, "Go Fast" points-and-cash bookings let you cover part of the cost with cash. A 30,000-point night, for example, can drop to 6,000 points plus a cash copay.
Beyond hotel stays, Wyndham has a partnership with Cottages.com for UK vacation rentals, running 15,000 points per bedroom per night, plus a similar deal with Vacasa for U.S. vacation homes at 15,000 or 30,000 points per bedroom depending on cost. Both require a phone call to book.
You can also convert points to Caesars Rewards credits, up to 30,000 points annually, or use Wyndham Rewards Experiences to snag Minor League Baseball tickets and unique fan experiences for as few as 2,500 points.
If you'd rather use Wyndham points toward flights, you can transfer them to airline partners, though the math is rough: 6,000 Wyndham points typically becomes just 1,200 airline miles. It's worth doing only if you have points about to expire, or during a rare transfer bonus promotion.
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.
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:
- Marriott – Marriott Bonvoy Business® American Express® Card (review).
- Hilton – The Hilton Honors American Express Business Card (review).
- IHG – IHG One Rewards Premier Business Credit Card (review).
- Hyatt- World of Hyatt Business Credit Card (review).
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.
