Wyndham Rewards Earner® Business Card is a cobranded 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 no foreign transaction fee and comes with a low annual fee of $95.
Check our list of best Barclays business credit cards for more information on other cobranded cards offered by Barclays.
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
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.99%, 24.99%, or 29.99% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- 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 annual percentage rate (APR) on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous sign-up bonus
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee of $95
- 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.
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.99%, 24.99%, or 29.99% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- 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 annual percentage rate (APR) on qualifying Wyndham Timeshare Purchase
- With premium rewards and anniversary bonus
- Generous sign-up bonus
Cons
- Introductory APR does not apply to regular purchases and balance transfers
- Charges an annual fee of $95
- 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.
When grading travel rewards credit cards like the Wyndham Rewards Earner® Business Card, we first consider the introductory rewards, ongoing rewards, and additional card features. We also take into account the annual fee, ongoing APR, and introductory APR.
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 25 |
Introductory Rewards | 25 | 25 |
Additional Benefits | 20 | 25 |
Annual Fee | 10 | 15 |
Introductory APR | 2 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 85 | 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 regularly for business: Whether you travel interstate or to another country, this card will come in handy. It offers premium rewards for staying at Wyndham properties and purchases in eligible gas stations—plus, it has no foreign transaction fees. Unsurprisingly, this card made it in our roundup of best business credit cards with no foreign transaction fees.
- Marketing and advertising businesses: This card lets you earn 5 points per dollar spent on eligible marketing and advertising purchases.
If this card doesn’t fit your needs, see our recommended alternatives below.
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: 20.99%, 24.99%, or 29.99% variable, which adjusts with the prime rate. Note that this will depend on their review of your application and credit history.
- Cash advance: 30.24% 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
- Minimum finance charge: $1
- 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: $39
- Electronic payment: $15
- Administrative:
- Statement copy: $3
- Other documents: $5
- Research: $15 per hour
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: Similar to its online banking counterpart, cardholders can 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 (866) 428-2424 and follow the prompts to get a successful payment.
- Mail: Send your payments through either of the following addresses:
Card Services
PO Box 60517
City of Industry, CA 91716-0517
Card Services
PO Box 13337
Philadelphia, PA 19101-3337
- Overnight credit card payments: Use specific labels and envelopes through UPS or mailboxes (FedEx or United States mail), then send them to either of the following addresses:
Remitco
Card Services
Lock Box 60517
2525 Corporate Pl., Ste. 250
Monterey Park, CA 91754
Card Services
400 White Clay Center Dr.
Newark, DE 19711
Wyndham Rewards Earner® Business Card Rewards
- Up to 75,000 bonus points can be earned—50,000 bonus points after spending $3,000 within the first 90 days after card ownership and another 25,000 after spending $10,000 within the first 12 months.
- 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
- 1 point per dollar on all other purchases
- 15,000 annual bonus points each anniversary year
Wyndham Rewards Program
You can redeem your points for free nights at participating Wyndham Rewards properties and for online shopping, gift cards, and discounts on gas, local tours, and activities. Note that you’ll have three tiers to consider for free nights at participating Wyndham properties—7,500, 15,000, or 30,000 per bedroom. Meanwhile, a discounted night will start at just 1,500 points with some cash at participating properties.
You can check the available redemption options online at WyndhamRewards.com or by calling Member Services at (866) 996-7937.
You’ll receive a 10% redemption discount when you redeem your points for go free® awards. Visit WyndhamRewards.com/terms/cardmembergofree for more details.
Wyndham Rewards Earner® Business Card Features
Protection Coverage
- Zero fraud liability: You’re 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: 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.
- Extended warranty protection: This helps extend warranties for eligible items purchased for a year for warranties with three years or less.
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. For more information, visit www.WyndhamRewards.com/terms/cardmemberrate.
- go free® Faster: Use 10% less Wyndham Rewards points when you redeem for go free® awards.
- Visa® SavingsEdge: Earn automatic savings for qualifying purchases. For more information, visit visasavingsedge.com.
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 Alternatives
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending less than $19,000
Intro APR
None
Regular APR
18.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Excellent
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% annual percentage rate (APR) balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
Intro APR
None
Regular APR
18.49% to 24.49% variable
Annual Fee
$0
Credit Needed
Excellent
- Introductory reward worth $200 in travel after you spend $3,000 within the first three months
- 1.5x miles per $1 spent
- 5x miles on hotel and rental car bookings through the issuer
- Issue employee cards for free
Pros
- No foreign transaction fees
- Interest-free financing on purchases
Cons
- No 0% annual percentage rate (APR) balance transfer offer
- Limited list of airline partners
- Purchase assurance: Most purchases made entirely with your card are covered if damaged or stolen within 90 days from the date of purchase. Coverage is limited to $10,000 per claim and $50,000 per cardholder account per 12-month period.
- Extended warranty coverage: Doubles the original warranty time period and duplicates the coverage of the original manufacturer’s warranty up to a maximum of 12 months on most items you purchase.
- Travel medical emergency assistance: Provide referrals to medical services if you have a medical emergency while traveling. You’re covered if you’re 100 or more miles away from home and from the day you leave until midnight of the 60th day of your trip, or the day you return to your city of residence, whichever is sooner.
- Is a great choice for those wanting to have a travel business credit card that lets you earn 1.5x miles on all purchases, regardless of spending categories
- Does not charge annual, balance transfer, and foreign transaction fees
- Offers 0% introductory APR on purchases for the first nine billing cycles
- Is one of our:
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
BEST FOR:
0% APR for 15 billing cycles
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
Intro APR
Regular APR
19.24% - 28.24% (Variable)
Annual Fee
$0
Credit Needed
Excellent/Good
- Introducing the U.S. Bank Business Triple Cash Rewards World Elite Mastercard® the card that gives back on all your eligible business needs.
- Earn $500 in cash back. Just spend $4500 on the Account Owner's card in the first 150 days of opening your account.
- Earn 3% cash back on eligible purchases at gas stations and EV charging stations, office supply stores, cell phone service providers and restaurants.
- 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.
- Rewards never expire.
- Earn an annual $100 statement credit for recurring software subscription expenses such as FreshBooks or quickbooks
- 0% Intro APR on purchases and balance transfers for 15 billing cycles. After that, a variable APR currently 19.24% - 28.24%.
- No annual fee.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022
- Terms and conditions apply
- Pay over time by splitting eligible purchases of $100+ into equal monthly payments with U.S. Bank ExtendPay™ Plan.
Pros
- 0% APR applies to both purchases and balance transfers
- Unlimited cash back rewards
- No annual fee
Cons
- Balance transfer fee is charged even during the introductory period
- Intro APR doesn’t apply to cash advances
- 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.
- Is a great choice if you want a longer 0% introductory period for purchases and balance transfers (for the first 15 billing cycles)
- Does not charge annual fees
- Lets you earn 5% cash back on prepaid hotels and car rentals directly booked in the Travel Rewards Center, 3% cash back on eligible purchases at gas and electric vehicle (EV) charging stations, office supply stores, cellphone service providers, and restaurants, and 1% cash back on all other eligible purchases.
- Is on our lists of the:
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
BEST FOR:
Earning top rewards on travel purchases booked through Bank of America Travel Center
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
Intro APR
0%
9 billing cycles
9 billing cycles
Regular APR
18.49% - 28.49% Variable APR on purchases
Annual Fee
$0.00
Credit Needed
Excellent
- Earn 30,000 online bonus points after you make at least $3,000 in purchases in the first 90 days of your account opening which can be redeemed for a $300 statement credit towards travel or dining purchases.
- Earn unlimited 1.5 points for every $1 spent on all purchases everywhere, every time-no matter how much you spend.
- No limit to the amount of points you can earn and points don't expire.
- You can earn up to 75% more points on every purchase, if you have a business checking account with Bank of America and qualify for our highest Preferred Rewards for Business tier. That means you could earn up to an unlimited 2.62 points per $1 spent on all purchases.
- No annual fee and no international transaction fees.
- Choose how to redeem points for a statement credit to offset travel and dining purchases, travel with no blackout dates at the Bank of America® Travel Center, for cash back or gift cards.
- 0% Introductory APR on purchases for your first 9 billing cycles. After the intro APR offer ends, a Variable APR that's currently 18.49% to 28.49% will apply.
- Contactless Cards - The security of a chip card, with the convenience of a tap.
- This offer may not be available if you leave this page or visit our website. You can take advantage of this offer when you apply now.
Pros
- No annual fee: By not having to pay an annual fee, you can reduce your overall credit card cost while earning unlimited rewards on your expenses.
- No blackout dates on travel: You can redeem your points for travel or travel credits through the Bank of America® Travel Center anytime, with no blackout dates.
- 3x points on travel: You can earn 3x points for every dollar spent when you book your travel (car, hotel, or airline) through the Bank of America® Travel Center.
- Welcome bonus points: If you can spend $3,000 in net purchases within 90 days of opening an account, you will earn 30,000 bonus points.
Cons
- Low ongoing rewards on nontravel: While you can earn high rewards points on travel, you can only earn 1.5x points on all other purchases.
- Short 0% APR introductory period: This is a disadvantage if you need a longer 0% APR period.
- No 0% APR on balance transfers: The introductory APR only applies to purchases
- Bank of America doesn’t disclose details of its additional card features. To find out more about these additional features, review your guide to benefits when you receive your card in the mail.
- Is a viable option if you want a card that lets you earn unlimited, fixed-rate cash back rewards on all purchases (unlimited 1.5x points for every dollar spent) and will let you earn 3x points for every dollar spent when you book a rental car, hotel stay, or airfare through the Bank of America® Travel Center
- Offers a 0% introductory APR on purchases for the first nine billing cycles
- Has no annual and foreign transaction fees
- Is in our roundups of the:
For more options, see our guide on the best small business credit cards.
Bottom Line
Wyndham Rewards Earner® Business Card is a great option if you travel frequently and stay primarily at Wyndham Hotels & Resorts. Compared to other travel business credit cards, it offers an introductory APR period of 0% on purchases for the first six billing cycles on all Qualifying Wyndham Timeshare Purchases. You can earn rewards that can be used for free nights at Wyndham.
