Wyndham Rewards Earner Business Card
- Annual Fee
- $149
- Welcome Bonus
- Up to 100,000 points
- Highest rate (conditional)
- Up to 8X (Wyndham)
Terms checked against the issuer on October 10, 2026
At a Glance
- Annual Fee
- $149
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Wyndham Rewards
- Point Valuation
- 0.55–1 cpp (mid: 0.7)
- Credit Required
- Good
Welcome Offer
Up to 100,000 points
- 45,000 points after $3,000 in purchases and paying the annual fee in full, both in the first 90 days
- + 55,000 points after $500 at Hotels by Wyndham in the first 180 days
The total needs every stage above. Meet only the first and you earn 45,000 points.
Earning Rates
- 8X
Wyndham
8X points on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles
- 5X
Gas Stations
5X points on eligible gas purchases
- 5X
Electric Vehicle Charging
5X points on eligible EV charging purchases
- 5X
Advertising
Earn 5 points per $1 spent on eligible marketing and advertising purchases
- 5X
Office Supplies
5X points on eligible office supply store purchases
- 5X
Shipping
5X points on eligible shipping purchases
- 5X
Wyndham Vacation Club
5X points on eligible Vacation Club purchases
- 1X
All Other
1X points on all purchases
Benefits & Perks
Travel Benefits
3 perksHotels & Lodging
Elite Status
General Travel
Annual Credits & Statement Credits
2 creditsUp to
$115
in recurring credits (annual) · Plus $65 first-year / eligibility-dependent
$65 wholesale club credit
Annual $65 statement credit on eligible wholesale membership clubs.
$65
Annual
$50 accounting software credit
Up to $50 back each calendar year on qualifying accounting software purchases.
$50
Annual
Elite Status & Memberships
Fast track to top-tier perks
Automatic DIAMOND Level Benefits!
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
go free® Faster
Redeem 20% fewer Wyndham Rewards points for free nights, which means you can book free nights starting at just 4,000 points
Enjoy a Cardmember Booking Discount
Wyndham Rewards Earner Business Cardmembers can save even more on our Standard Rate at participating Hotels by Wyndham
Program & Transfers
Wyndham Rewards
9,000 hotels. 3 award tiers. Simple rewards.
Wyndham Rewards is the loyalty program for Wyndham Hotels & Resorts, which operates over 9,000 hotels across 24 brands in 95 countries. While best known for budget brands like Super 8, Days Inn, and La Quinta, the portfolio includes upscale properties like Wyndham Grand resorts, Dolce hotels, and Registry Collection boutique properties. The program's defining feature is its three-tier award chart — 7,500, 15,000, or 30,000 points per night — making it one of the most predictable and transparent redemption systems among hotel loyalty programs. Members earn 10 points per dollar on room rates (or 1,000 points per stay, whichever is greater), with status bonuses of 10-20% at higher tiers. Wyndham is also a transfer partner for both Capital One and Citi ThankYou Points, giving it relevance beyond its co-branded card ecosystem.
Program Ratings
Recent Changes & News
Wyndham Rewards Insider subscription launched at $95/year, offering member-rate discounts, free breakfast at select properties, bonus points, and exclusive perks beyond standard free membership.
Citi ThankYou Rewards added Wyndham as a transfer partner, enabling 1:1 transfers from premium Citi cards.
Wyndham partnered with Vacasa to allow points redemptions at vacation rental properties — 15,000 or 30,000 points per bedroom per night depending on cash rate.
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Wyndham Merida — Junior Suite King for 7,500 points | 7,500 | — | Central America |
| TRYP by Wyndham Jerusalem Bat Sheva | 7,500 | — | Middle East |
| The New Yorker, A Wyndham Hotel (NYC) | 30,000 | — | United States |
| Wyndham Grand Clearwater Beach (Florida) | 30,000 | — | United States |
| Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort | 30,000 | — | Caribbean |
| Akti Imperial Deluxe Resort & Spa Dolce by Wyndham (Rhodes, Greece) | 30,000 | — | Europe |
| Wyndham Reef Resort Grand Cayman (all-inclusive) | 30,000 | — | Caribbean |
| Shell Vacations Club Kona Coast Resort (Hawaii) | 15,000 | — | United States |
| Club Wyndham Midtown 45 (NYC) | 15,000 | — | United States |
| Club Wyndham National Harbor (Maryland/DC) | 15,000 | — | United States |
| Wyndham Grand Istanbul Levent (Turkey) | 30,000 | — | Middle East |
| Wyndham Grand Orlando Resort Bonnet Creek (Florida) | 30,000 | — | United States |
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #81 of 119 |
Pros and Cons
Pros
- +Automatic Diamond status - highest Wyndham tier (suite upgrades, welcome amenity)
- +8x points at Wyndham hotels and 5x on gas stations
- +5x on marketing/advertising, shipping, office supplies and EV charging - valuable for businesses
- +15,000 anniversary bonus points with no spending requirement
- +$65 annual wholesale club credit and $50 annual accounting software credit
- +20% fewer points for free nights
- +No foreign transaction fees
- +45,000 point welcome bonus worth up to 6 free nights
Cons
- -$149 annual fee
- -Diamond status benefits are modest at budget-focused properties
- -Points locked into Wyndham ecosystem
- -No lounge access or premium business travel perks
- -Only 1x on non-bonus business purchases
- -Cannot product change to/from personal Wyndham cards
Who It's Best For
Best For
- Business travelers who frequently stay at Wyndham properties
- Small business owners who want top-tier Diamond status for suite upgrades
- Companies with significant marketing/advertising, shipping and office supply expenses (5x earning)
- Road warriors who benefit from 8x on Wyndham stays and 5x on gas
- Business owners who can use the $65 wholesale club and $50 accounting software credits
Not Ideal For
- Businesses that prefer luxury hotel brands over Wyndham's budget-focused portfolio
- Companies wanting transferable points for diverse travel needs
- Business travelers who need lounge access
- Those who rarely stay at Wyndham properties
- Businesses seeking premium travel insurance benefits
The Math: Is $149 Worth It?
First-year value includes $315.00 welcome bonus (first stage)
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$108
Annual Fee
-$149
Net Annual Value
-$80
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| Barclay 0/6 | You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months |
Payment Terms
| Purchase APR | 19.74%–29.74% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
How many Wyndham Rewards points do you need for a free night?
Free nights cost 7,500, 15,000, or 30,000 points per night depending on the property. Wyndham Earner cardholders get a 10% discount, reducing costs to 6,750, 13,500, or 27,000 points.
What is a qualifying night for Wyndham Rewards?
A qualifying night is any night during a qualifying stay with an average rate of at least $25. Free nights booked with Wyndham Rewards and discounted points+cash nights also count, helping you earn status faster.
Do Wyndham Rewards points expire?
Yes. Points expire three years after they are earned. Your entire balance is also forfeited if you have no account activity for 18 months. Earning, redeeming, or transferring points resets the inactivity clock.
How much is a Wyndham Rewards membership?
Free. Blue membership is complimentary with no spending requirements. You earn at least 1,000 points per stay, get free Wi-Fi, member rates, and rollover qualifying nights.
Can you transfer points to Wyndham Rewards?
Yes. Capital One miles transfer at 1:1. Citi ThankYou Points transfer at 1:1 with premium cards (Strata Premier, Strata Elite) or 5:4 with non-premium cards (Strata, Double Cash, Custom Cash).
What hotels are in the Wyndham Rewards program?
Over 9,000 hotels across 24 brands in 95 countries, including Wyndham Grand, La Quinta, Ramada, Days Inn, Super 8, Microtel, Howard Johnson, TRYP, Registry Collection, Dolce, and Trademark Collection.
Can you use Wyndham points for vacation rentals?
Yes. Wyndham partners with Vacasa for vacation rentals bookable at 15,000 or 30,000 points per bedroom per night. Rentals averaging $250/bedroom/night or less cost 15,000 points; $250-$500 cost 30,000 points. Must book by phone.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Barclays | — | Barclays |
| Wyndham Rewards Card | — | Wyndham Rewards Card |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Annual fee | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Cobrand | |
| Issuer Page | Issuer Page: Status | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer | |
| Barclays | Barclays |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
