Wyndham Rewards Earner® Business Card Review for 2023
Tricia has nearly two decades of experience in commercial and federal government lending. Her expertise is highlighted throughout small business loan content on Fit Small Business.
Benilyn has over a decade of experience as a banking officer. Her expertise is featured throughout Fit Small Business in personal finance, credit card, and real estate investing content.
This article is part of a larger series on Best Small Business Credit Cards.
The Wyndham Rewards Earner® Business Card is 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
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Those who frequently stay at Wyndham hotels
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.49%, 24.49% or 29.49% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- No foreign transaction fees
- Earn 8x points on eligible purchases at Hotels by Wyndham and at qualifying gas stations
Pros
- Sign-up bonus
- Premium rewards
- Anniversary bonus
Cons
- Limited 0% APR period
- No 0% APR period on balance transfers
- No $0 annual fee period
- Annual bonus: Receive 15,000 bonus points each anniversary year
- Automatic Diamond-level benefits: Cardholders are upgraded to a Wyndham Rewards Diamond member level automatically
- go free®: Redeem 10% fewer Wyndham rewards points for go free® awards
Intro APR
0% APR for six billing cycles on all Wyndham Timeshare purchases
Regular APR
20.49%, 24.49% or 29.49% variable
Annual Fee
$95
Credit Needed
Good to Excellent
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days
- No foreign transaction fees
- Earn 8x points on eligible purchases at Hotels by Wyndham and at qualifying gas stations
Pros
- Sign-up bonus
- Premium rewards
- Anniversary bonus
Cons
- Limited 0% APR period
- No 0% APR period on balance transfers
- No $0 annual fee period
- Annual bonus: Receive 15,000 bonus points each anniversary year
- Automatic Diamond-level benefits: Cardholders are upgraded to a Wyndham Rewards Diamond member level automatically
- go free®: Redeem 10% fewer Wyndham rewards points for go free® awards
When grading travel rewards business credit cards like the Wyndham Rewards Earner® Business Card, we first consider the ongoing rewards, introductory rewards, and additional travel benefits. We also take into account the card’s annual fee and the introductory and ongoing annual percentage rates (APRs).
Grading Criteria | Card Score | Highest Possible Score |
|---|---|---|
Ongoing Rewards | 25 | 25 |
Introductory Rewards | 25 | 25 |
Additional Benefits | 20 | 25 |
Annual Fee | 15 | 15 |
Introductory APR | 2 | 5 |
Ongoing APR | 3 | 5 |
Total Score | 90 | 100 |
Who the Wyndham Rewards Earner® Business Card Is Right 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 regularly: It’s one of the leading business cards with no foreign transaction fee, making it an ideal option for frequent travelers.
If this card doesn’t fit your business’s needs, see our guides to the best small business credit cards and top Barclays credit cards.
Wyndham Rewards Earner® Business Card Fees
APR
- Introductory APR: 0% for the first six billing cycles on all Qualifying Wyndham Timeshare Purchases
- Ongoing APR on purchases and balance transfers: 18.99%, 22.99%, or 27.99% variable, which adjusts with the prime rate
- Cash advance: 28.24%, 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 and returned 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
How To Make Payments on the Wyndham Rewards Earner® Business Card
- Online or mobile: Pay and set up recurring payments online or through the iOS and Android app
- Phone: Call (877) 523-0478
Wyndham Rewards Earner® Business Card Rewards
- Up to 75,000 bonus points—65,000 bonus points after spending $2,000 in the first 90 days, plus another 10,000 bonus points after a purchase is made on an employee card 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
- 1 point per dollar on all other purchases
- 15,000 annual bonus points each anniversary year
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. You can check the available redemption options online at WyndhamRewards.com or by calling (866) 443-6181.
You’ll receive a 10% redemption discount when you redeem your points for go free® awards nights. Visit WyndhamRewards.com/terms/cardmembergofree for more details.
Wyndham Rewards Earner® Business Card Additional 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: 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.
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.
- Special Cardmember rate: 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. For more information, visit visasavingsedge.com.
Pros & Cons of the Wyndham Rewards Earner® Business Card
| PROS | CONS |
|---|---|
| Low annual fee | Short and limited 0% APR period |
| Generous sign-up bonus, premium rewards, and anniversary bonus | No 0% APR period on regular purchases and balance transfers |
| No foreign transaction fee | No $0 annual fee period |
Wyndham Rewards Earner® Business Card Alternatives
Hilton Honors American Express Business Card
The Hilton Honors American Express Business Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Maximizing rewards on Hilton-related purchases
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$95
Credit Needed
Good, Excellent
- Limited Time Offer: Earn 150,000 Hilton Honors Bonus Points plus a Free Night Reward after you spend $4,000 in purchases on the Hilton Honors Business Card within the first three months of Card Membership. Offer ends 7/19/23.
- Earn Hilton Honors Bonus Points for each dollar of eligible purchases on your Card: 12X at hotels and resorts in the Hilton portfolio, 6X at U.S. gas stations, on U.S. purchases for shipping, on wireless telephone services purchased directly from U.S. service providers, on flights booked directly with airlines or with Amex Travel, on car rentals booked directly from select car rental companies, and at U.S. restaurants, 3X on all other eligible purchases.
- Enjoy complimentary Hilton Honors™ Gold Status with your Hilton Honors Business Card.
- Earn a Free Night Reward from Hilton Honors after you spend $15,000 in purchases on your Card in a calendar year.
- Earn another Free Night Reward from Hilton Honors after you spend an additional $45,000 in purchases on your Card in the same calendar year.
- Terms apply.
Pros
- Charges a low annual fee
- Doesn’t have foreign transaction fees
- Offers a sign-up bonus
Cons
- Has poor redemption options outside of hotel stays
- Lacks an interest-free financing option
- Complimentary Priority Pass Visits: Get 10 complimentary visits to more than 1,200 airport lounges every year with Priority Pass™ Select Membership.
- Upgrade to Diamond Status: Earn an upgrade to Hilton Honors Diamond Status through the end of the next calendar year after spending $40,000 on eligible purchases.
- Baggage insurance plan: Coverage is provided for cardholders for up to $1,250 for carry-on baggage and up to $500 for checked baggage, in excess of coverage provided by the covered carrier. For New York state residents, a $10,000 aggregate maximum limit is provided for all covered persons per covered trip.
- Extended warranty: Terms of the original manufacturer’s warranty can be extended up to one additional year. Applies to warranties of five years or less on covered purchases.
- Hilton Honors American Express Business Card is an excellent alternative if you prefer to stay at Hilton hotels and resorts
- Offers lucrative travel rewards and premium travel perks, including 10 complimentary Priority Pass visits to more than 1,200 airport lounges
- Is one of our best business cards with airport lounge access
American Express Marriott Bonvoy BusinessTM Credit Card
Marriott Bonvoy Business® American Express® Card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
BEST FOR:
Owners who choose to stay at Marriott Bonvoy hotels
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
Intro APR
N/A
Regular APR
20.74% - 29.74% Variable
Annual Fee
$125
Credit Needed
Good, Excellent
- Welcome Offer: Earn 75,000 Bonus Marriott Bonvoy Points after you use your new Card to make $3,000 in purchases within the first 3 months of Card Membership.
- Receive a 7% discount off standard rates for reservations of standard guest rooms at hotels that participate in the Marriott Bonvoy program when you book directly. Terms and Conditions Apply.
- 6x Marriott Bonvoy Points on each dollar of eligible purchases at hotels participating in the Marriott Bonvoy® program.
- 4x points for purchases made at restaurants worldwide, at U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and on U.S. purchases for shipping.
- 2x points on all other eligible purchases.
- Receive 1 Free Night Award every year after your Card renewal month. Plus, earn an additional Free Night Award after you spend $60K in purchases on your Card in a calendar year. Awards can be used for one night (redemption level at or under 35,000 Marriott Bonvoy® points) at hotels participating in Marriott Bonvoy®. Certain hotels have resort fees.
- Enjoy Complimentary Marriott Bonvoy Gold Elite Status with your Card.
- Terms apply.
Pros
- Complimentary Marriott Bonvoy Gold Elite status
- No foreign transaction fees
- Premium rewards points
Cons
- Charges an annual fee
- No introductory 0% APR
- Balance transfers aren't allowed
- Baggage insurance: Covers the loss of any checked or carry-on baggage in direct transit from a common carrier or terminal; coverage is limited to $1,250
- Purchase protection: Covers purchased items from theft or damage for the first 120 days from purchase; coverage is limited to $10,000 per claim and $50,000 per year
- Extended warranty protection: Offers up to an additional two years of warranty coverage on US manufacturers’ warranties of five years or less
- Gold Elite status: Enjoy complimentary Marriott Bonvoy Gold Elite status with your Card
- Marriott Bonvoy BusinessTM American Express® Card is a great option if you prefer to stay at Marriott Bonvoy hotels
- Provides travel perks like air and car transfers, free hotel night stays, and premium on-property internet access
- Offers 6x points per dollar for eligible purchases at participating Marriott Bonvoy hotels
- Allows you to share your points with any other Marriot Bonvoy member
- Is one of our top-recommended business credit cards for travel
Bank of America® Business Advantage Travel Rewards World Mastercard®
Bank of America® Business Advantage Travel Rewards World Mastercard® credit card
Fit Small Business's ratings are calculated by industry experts of our editorial team. Our grading rubric considers the type of credit card (such as cash back or travel), and the card's rates, fees, rewards, and additional features like insurance.
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
18.24% - 28.24% 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 18.24% to 28.24% 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
18.24% - 28.24% 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 18.24% to 28.24% 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.
- Bank of America® Business Advantage Travel Rewards World Mastercard® is best for business owners with excellent credit and an existing deposit account with Bank of America
- Offers an introductory 0% APR for nine billing cycles
- Comes with no annual fee
- Provides 1.5x points per dollar on all purchases
- Is also one of our leading business credit cards for travel
Bottom Line
The 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. If this credit card isn’t what you’re looking for, read our guide to the best small business credit cards to find more suitable options.
