Editorial and Partnership Disclosure
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.
| Intro APR | 0% APR for six billing cycles on all Wyndham Timeshare purchases |
|---|---|
| Regular APR | 20.74% to 29.74% 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
- 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.
Why You Can Trust Fit Small Business
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.
How We Evaluate Travel Rewards Business Credit Cards
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
- Wyndham Rewards Earner® Business Card Rewards
- Wyndham Rewards Earner® Business Card Features
- Wyndham Rewards Earner® Business Card Fees
- Wyndham Rewards Earner® Business Card Alternatives
- The Business Platinum Card® from American Express
- U.S. Bank Business Altitude® Connect Visa Signature® Card
- Frequently Asked Questions (FAQs)
- Bottom Line
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.
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.
Wyndham Rewards Earner® Business Card Calculator
Your potential annual reward earnings are:
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.
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 (877) 523-0478 and follow the prompts to get a successful payment.
- Mail
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®
| Intro APR | N/A |
|---|---|
| Regular APR | 17.74% - 28.49% Variable |
| Annual Fee | $895 |
| Credit Needed | Excellent, Good |
- As High As 300,000 points. Find Out Your Offer. You may be eligible for as high as 300,000 Membership Rewards® Points after spending $20,000 in eligible purchases on your new Card in your first 3 months of Membership. Welcome offers vary and you may not be eligible for an offer.
- The American Express Global Lounge Collection® can provide an escape at the airport. With complimentary access to more than 1,550 airport lounges across 140 countries and counting, you have more airport lounge options than any other credit card company on the market as of 07/2025.
- See how you can unlock over $4,000 in business and travel value annually after meeting qualifying spend thresholds on the Business Platinum Card. Terms apply.
- Get up to $300 in statement credits semi-annually for up to a total of $600 in statement credits per calendar year on prepaid Fine Hotels + Resorts® or The Hotel Collection bookings through American Express Travel using the Business Platinum Card®. The Hotel Collection requires a minimum two-night stay.
- No Preset Spending Limit: The spending limit on the Business Platinum Card is flexible, so unlike a traditional credit card with a set limit, the amount you can spend adapts based on factors such as your purchase, payment and credit history.
- Make the Business Platinum Card® work even harder for you. Hilton for Business members get up to $200 back per calendar year when you make an eligible purchase at Hilton properties across the globe. Gift cards are not an eligible purchase. Benefit enrollment required.
- Fly like a pro with a $200 Airline Fee Credit. Select one qualifying airline to receive up to $200 back per year on baggage fees and other incidentals.
- Use the Business Platinum Card and get up to $209 back per calendar year on your CLEAR+ Membership (subject to auto-renewal).
- Maximize your time away with Fine Hotels + Resorts through Amex Travel™.
- Enroll and get up to $150 in statement credits on U.S purchases directly with Dell Technologies on the Business Platinum Card and an additional $1,000 statement credit after you spend $5,000 or more on that same Card per calendar year.
- Enroll and get up to $300 in statement credits per calendar year on U.S. purchases of ChatGPT Business* on the Business Platinum Card. *Subject to auto-renewal.
- Enroll and get a $250 statement credit after you spend $600 or more on U.S. purchases directly with Adobe per calendar year on the Business Platinum Card.
- Get up to $90 in statement credits quarterly for purchases with Indeed on the Business Platinum Card. That’s up to $360 back per year. Enrollment required.
- Get up to $10 in statement credits per month for wireless telephone service purchases made directly with a wireless provider in the U.S. on the Business Platinum Card. That’s up to $120 back per year. Enrollment required.
- 2X points on purchases at U.S. construction material & hardware suppliers, electronic goods retailers and software & cloud system providers, and shipping providers, as well as on each eligible purchase of $5,000 or more, up to $2 million of these purchases per calendar year. Purchases eligible for multiple additional point bonuses will only receive the highest eligible bonus.
- 5X points on flights and prepaid hotels on AmexTravel.com
- 1X points on other eligible purchases
- Terms Apply.
- 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. Enrollment required.
- 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 $150 in statement credits annually for Dell purchases.
(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 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 $895, it provides access to over 1,550 airport lounges globally through The Global Lounge Collection and offers over $3,500 in business and travel value annually after meeting qualifying spend thresholds.
U.S. Bank Business Altitude® Connect Visa Signature®Card
| Intro APR | N/A |
|---|---|
| Regular APR | 18.24% - 25.24% Variable |
| Annual Fee | $0 intro annual fee for the first year, $95 thereafter. |
| Credit Needed | Excellent, Good |
- Earn 60,000 bonus points 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 Travel Center when using your card.
- 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 1,700 VIP lounges worldwide, plus four complimentary visits per membership year.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- Terms and conditions apply.
- Free employee cards
- ExtendPay® Plan
- Transfer points between your business and personal Altitude cards
Consider the U.S. Bank Business Altitude® Connect Visa Signature® Card 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 1,700 VIP lounges globally, with four complimentary visits per membership year.
U.S. Bank Triple Cash Rewards Visa® Business Card
| Intro APR | 0% intro on purchases for 12 billing cycles |
|---|---|
| Regular APR | 17.24% - 26.24% Variable |
| Annual Fee | $0 |
| Credit Needed | Excellent, Good |
- Earn $750 in cash back. Just spend $6,000 on the Account Owner's card in the first 180 days of opening your account.
- Earn 3% cash back on eligible purchases at gas 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 purchases.
- Earn 5% cash back on prepaid hotels and car rentals booked directly in the Travel Center when using your card.
- Take control of your card spend with U.S. Bank Spend Management—a game-changing platform for monitoring and managing business expenses.
- 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.
- 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 Triple Cash Rewards Visa® Business Card 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)
How many points do I need to redeem for a night’s stay?
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.
Can I use the introductory APR on other purchases?
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.
How can I request a credit limit increase for my Wyndham Rewards Earner® Business Card?
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.
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.
To see rates & fees for the American Express cards
American Express Business Platinum Card
