Editor’s note: This is a recurring post with regularly updated card details.
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 no 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
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
21.24%, 25.24% 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 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.
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
21.24%, 25.24% 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 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.
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.
Total Score | Card Score | Highest Possible Score |
|---|---|---|
81 | 20 | 25 |
100 | 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
- Business owners 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.
- Business owners 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 no foreign transaction fees.
If this card doesn’t fit your needs, see our recommended alternatives below. You may also check out our roundups of the best Barclays business credit cards and top small business credit cards for other options.
Wyndham Rewards Earner® Business Card Rewards
- 45,000 bonus points when you spend $3,000 within 90 days
- 8x points per dollar at Wyndham Hotels and eligible gas stations
- 5x points per dollar on marketing, advertising, and utility purchases
- 1x points per dollar on all other purchases
- 15,000 annual bonus points each anniversary year
Wyndham Rewards Earner® Business Card Calculator
If you want to know how much you can earn from 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 one cent. However, this could change depending on how the points are redeemed.
How To Redeem Wyndham Rewards Earner® Business Card Calculator
There are several ways to redeem your Wyndham Rewards points. You can redeem for go free® Award Nights, starting at 7,500 points per bedroom as well as 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: 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.
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: 21.24%, 25.24%, or 29.99% 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: $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.
How To Make Payments
- 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 (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 Alternatives
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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- 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, or join Preferred Rewards for Business for no fee, and earn up to an unlimited 2.62 points for every $1 spent on all purchases if you have a Bank of America® business checking account and qualify for Preferred Rewards for Business Platinum Honors tier.
- No limit to the amount of points you can earn and points don't expire as long as your account remains open.
- 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
- Charges $0 annual and foreign transaction fees
- Offers fixed-rate cash back rewards
- Has no blackout dates
Cons
- Does not offer a 0% introductory period on balance transfers
- Requires excellent credit to qualify
- 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.
When To Consider Bank of America® Business Advantage Travel Rewards World Mastercard®
- You want to earn fixed-rate travel rewards: You will earn 1.5x points on all purchases, regardless of spending categories.
- You have a business checking account with Bank of America: You can earn up to 75% more points if you have a Bank of America business checking account and qualify for the Preferred Rewards for Business program.
Other Benefits
- Charges $0 annual fees
- Lets you earn 30,000 bonus points when you spend at least $3,000 during the first 90 days of opening an account
- Comes with 0% APR on purchases for the first nine billing cycles
- Has no international transaction fees
Note that you need an excellent credit score to qualify for the card, which is also our top business credit card without foreign transaction fees.
Capital One® Spark® Miles Select for Business
Capital One® Spark® Miles Select for Business
BEST FOR:
Travel rewards and annual spending of 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% 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% 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.
When To Consider the Capital One® Spark® Miles Select for Business
- You can spend at least $4,500 in three months: You will earn 50,000 bonus miles when you meet this spending requirement.
- You want to transfer miles to Capital One partners: You can transfer your miles to any of Capital One’s 15-plus partners (including airlines and hotels).
Other Benefits
- Charges $0 annual fee
- Offers 1.5x miles on all purchases, regardless of spending categories, and 5x miles on hotels and rental cars booked through Capital One Travel.
- Has no foreign transaction fee
The card is also one of our top-recommended business credit cards for miles because of its simple rewards program.
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 with long 0% APR period
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.99% - 27.99% 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 $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, 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.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- 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
Intro APR
0% intro on purchases for 12 billing cycles
Regular APR
18.99% - 27.99% 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 $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, 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.
- Great Offer from U.S. Bank, a 2022 World's Most Ethical Company® - Ethisphere Institute, February 2022.
- 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
When To Consider U.S. Bank Business Triple Cash Rewards World Elite Mastercard®
- You prefer to earn cash back instead of points: You can earn up to 5% cash back, depending on your expense categories, when you use this card for your purchases.
- You need a long introductory 0% APR: While the Wyndham Rewards Earner® Business Card’s 0% APR offer is quite short and limited, you can enjoy interest-free financing on purchases for the whole 12 billing cycles.
Other Benefits
- Charges $0 annual fee
- Lets you earn $750 cash back when you spend at least $6,000 in 180 days after opening an account
- Offers $100 annual statement credit for recurring software subscriptions
- Features ExtendPay® Plan, which lets you divide your eligible balance into equal monthly installments without interest (only pay a small monthly fee)
This card is also one of our top-recommended cash back business credit cards because of its generous rewards and flexible redemption options.
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.
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.
