Editorial and Partnership Disclosure Fit Small Business has partnered with CardRatings for our coverage of credit card products. Fit Small Business and CardRatings may receive a commission from card issuers. This is a recurring post with regularly updated card details. Opinions, reviews, analyses & recommendations are the author’s alone and have not been reviewed, endorsed, or approved by any of these entities.
Wyndham Rewards Earner® Business Card is a co-branded business card from Barclays, designed for business owners who primarily stay at Wyndham Hotels & Resorts. You can earn premium rewards on purchases at Wyndham that can be redeemed at participating Wyndham Rewards properties and for online shopping and gift cards. It’s a good option for international travel because it has $0 foreign transaction fee and comes with a low annual fee of $95.
To see how this card stacks up against others we have reviewed on our site, click Add to Compare on a card below and select up to two additional cards for comparison.
Wyndham Rewards Earner® Business Card
BEST FOR:
Those who frequently stay at Wyndham hotels
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
- Earn 75,000 bonus points after spending $3,000 on purchases in the first 90 days
- 8 points per dollar on eligible purchases made at Hotels by Wyndham and qualifying gas stations
- 5 points per dollar on eligible marketing, advertising, and utility purchases
- 15,000 annual bonus points each anniversary year
Pros
- Offers 0% introductory APR on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous welcome offer
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- Cellphone protection: This is supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
The Fit Small Business editorial policy is rooted in the company’s mission, which is to deliver the best answers to people’s questions. This serves as the foundation for all content, demonstrating a clear dedication to providing valuable and reliable information. Our team leverages its expertise and extensive research capabilities to identify and address the specific questions our audience has—and this ensures that our content is rooted in knowledge and accuracy.
In addition, we employ a comprehensive editorial process that involves expert writers. This process ensures that articles are well-researched and organized, offering in-depth insights and recommendations. Fit Small Business maintains stringent parameters for determining the “best” answers, including accuracy, clarity, authority, objectivity, and accessibility, and these see to it that our content is trustworthy, easy to understand, and unbiased.
When grading travel rewards credit cards like the Wyndham Rewards Earner® Business Card, we first consider the introductory and ongoing rewards. We also take into account the travel perks that come with the card and its annual fee, other fees, and introductory and ongoing APRs.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 20 | 25 |
Introductory Rewards | 25 | 25 |
Features | 8 | 10 |
Annual Fee | 7 | 10 |
Other Fees | 8 | 10 |
Introductory APR | 5 | 10 |
Ongoing APR | 8 | 10 |
Total Score | 81 | 100 |
Who the Wyndham Rewards Earner® Business Card Is Best For
- Those who stay at Wyndham Hotels frequently: It offers premium rewards on purchases at Wyndham Hotels & Resorts—and you can use these rewards to book hotel stays at Wyndham.
- Those who travel for business regularly: If you travel interstate or to another country, you will enjoy premium rewards for staying at Wyndham properties and purchases in eligible gas stations—plus, it has $0 foreign transaction fees.
If this card doesn’t fit your needs, see our recommended alternatives below.
Wyndham Rewards Earner® Business Card Rewards
- Up to 80,000 points: Earn 40,000 bonus points after spending $4,000 on purchases within the first 90 days of account opening; another 40,000 bonus points after spending $15,000 in purchases within the first 12 months from the date of account opening
- 8x points per dollar spent at Wyndham Hotels and eligible gas stations
- 5x points per dollar spent on marketing, advertising, and utility purchases
- 1x point per dollar spent on all other purchases
- 15,000 annual bonus points each anniversary year (value of up to two free nights at participating hotels)
Wyndham Rewards Earner® Business Card Calculator
If you want to know how much you can earn from the Wyndham Rewards Earner® Business Card, use our calculator below. All you need to do is input your expected monthly expenses based on the spending categories, and our calculator will do the rest.
Note that based on the calculator, each point is worth 1.2 cents. However, this could change depending on how the points are redeemed.
How to Redeem Wyndham Rewards Earner® Business Card
You can redeem your Wyndham Rewards points for go free® Award Nights, starting at 7,500 points per bedroom, and for go fast® Discounted Nights, starting at 1,500 points per bedroom plus some cash.
You can also use your points for charity donations, airline tickets, car rentals, airline miles or partner points, tours and activities, gift cards, and merchandise. Keep in mind that the value of points may vary depending on how they are used, but it is typically worth one cent per point.
Wyndham Rewards Earner® Business Card Features
Special Benefits
- Automatic Diamond level: Receive an automatic Wyndham Rewards Diamond level status with your Wyndham Rewards program membership, allowing you to enjoy perks like suite upgrades, welcome amenities at check-in, late checkout, and free Wi-Fi.
- Cardmember booking discounts: Take advantage of exclusive cardmember discounts for stays at participating Hotels by Wyndham.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Visa® SavingsEdge: Earn automatic savings for qualifying purchases at selected merchants.
Protection Coverage
- Zero fraud liability: Be protected in case your credit card is used for fraudulent transactions, so you won’t be responsible for unauthorized charges to your credit card.
- Cellphone protection: Receive supplemental coverage for damage to or theft of your cellphone. To be eligible, you must charge your monthly cellphone bill to this card. Note that restrictions, limitations, and exclusions will apply.
Account Management
- Complimentary employee cards: Secure employee cards at no additional cost to give you more control over your business expenses and improve expense tracking.
Wyndham Rewards Earner® Business Card Fees
APR
- Introductory: 0% for the first six billing cycles on all Qualifying Wyndham Timeshare Purchases
- Ongoing and balance transfers: 20.74% to 29.74% variable, which adjusts with the prime rate (minimum interest charge is $1)
- Cash advance: 29.99% variable, which adjusts with the prime rate
Fees
- Annual: $95
- Balance transfer: Either $5 or 3% of the amount of each balance transfer, whichever is greater
- Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Foreign transaction: None
- Late payment: Varies depending on the previous balance in the statement:
- $19 for previous balances less than $250
- $39 for previous balances of $250 or more
- Overlimit: $0
- Returned payment and over-the-credit-line: $39
Your due payment is within 20 days from the Statement Closing Date, provided you pay your previous balance in full by the due date. Note that this does not apply to cash advances, balance transfers, or convenience checks.
- Barclays App: Set up credit card payments through the Barclays App. You can also set up recurring payments by inputting the payment date, amount, and account for each automatic payment.
- Call: Contact (877) 523-0478 and follow the prompts to get a successful payment.
- Mail Please allow 7-10 days for USPS delivery if you opt to pay your credit card via mail. : Send your payments through either of the following addresses:
Credit Card payments
P.O. Box 13337
Philadelphia, PA 19191
Card Services
P.O. Box 60517
City of Industry, CA 91716
Wyndham Rewards Earner® Business Card Alternatives
American Express Business Platinum Card®
The Business Platinum Card® from American Express
BEST FOR:
Gaining access to unrivaled travel rewards and luxury travel perks like airport lounge access
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
- Welcome Offer: Earn 150,000 Membership Rewards® points after you spend $20,000 in eligible purchases on the Card within the first 3 months of Card Membership.
- 5X Membership Rewards® points on flights and prepaid hotels on AmexTravel.com, and 1X points for each dollar you spend on eligible purchases.
- Earn 1.5X points (that’s an extra half point per dollar) on each eligible purchase at US construction material, hardware suppliers, electronic goods retailers, and software & cloud system providers, and shipping providers, as well as on purchases of $5,000 or more, on up to $2 million per Card Account per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- Unlock over $1,000 in statement credits on select purchases, including tech, recruiting and wireless in the first year of membership with the Business Platinum Card®. Enrollment required. See how you can unlock over $1,000 annually in credits on select purchases with the Business Platinum Card®, here.
- $200 Airline Fee Credit: Select one qualifying airline and then receive up to $200 in statement credits per calendar year when incidental fees are charged by the airline to the Card.
- $199 CLEAR® Plus Credit: Use your card and get up to $199 in statement credits per calendar year on your CLEAR® Plus Membership (subject to auto-renewal) when you use the Business Platinum Card®.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,400 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card issuer on the market as of 03/2023.
- $695 Annual Fee.
- Terms Apply.
Pros
- Premium travel rewards
- Free access to more than 1,400 airport lounges worldwide
- $0 foreign transaction fee
Cons
- Balance is due in full monthly
- High annual fee
- American Express lounges: Free access to American Express’ network of Centurion lounges located in slightly less than a dozen United States airports.
- Other airport lounges: Priority Pass Select membership, which gets you free access to more than 1,400 lounges worldwide for you and two guests.
- Airport screening: Either a $120 statement credit for Global Entry every four years or an $85 statement credit for TSA PreCheck® once every 4 1/2 years.
- Travel credit: Up to $200 annual statement credit toward air travel expenses like baggage fees and inflight food and drink.
- Rental status: Elite status at a number of car rental agencies.
- Rebate for redeemed points: 35% points rebate if you book a business or first-class flight, up to 1,000,000 bonus points per calendar year.
- Dell statement credit: Up to $400 in statement credits annually for Dell purchases.
For business owners who frequently travel and want access to luxury travel perks, we recommend the American Express Business Platinum Card®. While it charges a high annual of $695, it provides access to over 1,400 airport lounges globally through The Global Lounge Collection and offers over $1,000 in special discounts from various business tools.
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
U.S. Bank Business Altitude™ Connect World Elite Mastercard®
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
- Introducing the U.S. Bank Business Altitude Connect™ World Elite Mastercard®, the business travel card that's 5X more rewarding.
- Limited Time Offer: Earn 60,000 bonus points, worth $600 if you spend $6,000 on the Account Owner's card in the first 180 days from account opening.
- Earn 5X points on prepaid hotels and car rentals booked directly in the Rewards Center.
- Earn 4X points on travel, gas and EV charging stations* on the first $150,000 in combined annual spend (*excludes discount stores/supercenters and wholesale clubs).
- Earn 2X points on dining, takeout, restaurant delivery and cell service providers.
- Earn 1X points on all other eligible spend.
- Earn a $25 statement credit for every three consecutive monthly taxi or rideshare trips.
- $0 intro annual fee for the first year, $95 per year thereafter.
- Points transfer between business and consumer U.S. Bank Altitude products (excluding Reserve).
- Airport lounge access - Priority Pass™ Digital annual membership with access to more than 1,300 VIP lounges worldwide, plus four complimentary visits per membership year.
- Terms and conditions apply.
Pros
- Large welcome offer
- Priority Pass Digital annual membership with access to more than 1,300 VIP lounges worldwide and four complimentary visits per membership year
- ExtendPay® Plan feature lets you divide your large purchase into fixed monthly installments without interest—only a small monthly fee
Cons
- No 0% APR offers
- Premium rewards on travel and fuel have a maximum cap
- Charges annual fee
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Consider the U.S. Bank Business Altitude™ Connect World Elite Mastercard® if you are looking for a card that has the same annual fee but lets you pay eligible balances over time without interest. Also, it comes with a Priority PassTM Digital annual membership, which gives you access to over 1,300 VIP lounges globally, with four complimentary visits per membership year.
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
Those wanting to earn up to 5% cash back on selected spending categories
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $750 in cash back. Just spend $6000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations (transactions of $200 or less)*, office supply stores, cell phone service providers and restaurants (*excludes discount stores/supercenters and wholesale clubs).
- 1% cash back on all other eligible net purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Rewards Center.
- No limit on total cash back earned.
- Redeem Cash Rewards right away or save them for later. Cash Rewards do not expire as long as the account remains active.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or QuickBooks.
- Terms and conditions apply.
Pros
- 0% purchase APR for 12 months
- $0 annual fee
- U.S. Bank ExtendPay® Plan feature
Cons
- No 0% APR on balance transfers
- Charges balance transfer and foreign transaction fees
- MasterRental car rental collision damage waiver: When you rent a car using your U.S. Bank credit card, you’re covered in case of accident or theft on all rentals made worldwide. Coverage is primary, which means you won’t need to use your personal auto insurance or accept the insurance offered by the rental agency. Coverage is capped at $50,000.
- Purchase assurance: U.S. Bank may repair or reimburse for items purchased with your U.S. Bank business credit card that are damaged or stolen within 90 days of purchase. Coverage is limited to $1,000 per loss, up to $25,000 per year, per account. Lost items and items left out of reach that others can see are not covered.
- Extended warranty protection: U.S. Bank will double the manufacturer’s warranty up to an additional one year from the expiration of warranties of five years or less. An item with a six-month warranty would be backed for an additional six months, for example. The issuer will replace the item or reimburse you up to the amount charged on your U.S. Bank card up to $10,000.
- U.S. Bank ExtendPay® Plan: Pay off your eligible balance over time with this feature without interest—just pay a small monthly fee
The U.S. Bank Business Triple Cash Rewards World Elite Mastercard® is a viable option for large purchases, as it offers a 0% introductory period on purchases (for the first 12 billing cycles). You can also earn 5% cash back if you book your prepaid hotels and car rentals through the Travel Rewards Center.
Frequently Asked Questions (FAQs)
Wyndham has three simple free night tiers, and you can choose how to redeem your rewards: 7,500 points, 15,000 points, or 30,000 points per bedroom.
No, the 0% APR for six months is only available for purchases made at Wyndham Timeshare. These include all Wyndham timeshare down payments as identified by the merchant identification number provided by Wyndham.
To request a credit limit increase for your Wyndham Rewards Earner® Business Card, call the number on the back of your card.
Bottom Line
Wyndham Rewards Earner® Business Card is a great option if you travel frequently and stay primarily at Wyndham Hotels & Resorts. You can earn rewards that can be used for free nights at Wyndham. It’s important to note, however, that the interest-free financing is only applicable to eligible Wyndham Timeshare purchases and not other purchases.
