Best in Class
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Wyndham Rewards Earner Business Credit Card Review
Key Takeaways
We recommend this card over the other two Wyndham options for most situations. If you're seeking quick points through a sign-up bonus, this card offers the highest bonus (though the personal Earner provides the same bonus with lower spending requirements). For loyal Wyndham customers looking to keep a co-branded card, this is definitely your best choice. The 45,000-point sign-up bonus, plus 15,000 bonus points each anniversary year, makes it the most valuable of the three cards. If you maintain the card beyond the first year, the anniversary bonus could earn you two free nights annually, which more than compensates for the $95 annual fee. The fact that this business card doesn't count against your Chase 5/24 status is an additional advantage.
Why This Card Could Be Right For You
The Wyndham Rewards Earner Business Credit Card offers substantial value that extends beyond the first year of card ownership. The 45,000-point sign-up bonus after spending $3,000 on purchases in the first 3 months provides an excellent foundation of Wyndham Rewards points. This bonus alone could cover:
- Up to 6 nights at properties requiring the lowest redemption rate (7,500 points per night)
- 3 nights at mid-tier properties (15,000 points per night)
- 1-2 nights at premium locations or all-inclusive resorts (30,000 points per night)
The annual 15,000 bonus points represent significant ongoing value, potentially justifying keeping this card long-term. This anniversary bonus alone can provide you with:
- 2 free nights at economy properties each year
- 1 free night at a mid-tier Wyndham location
Another major advantage is automatic Wyndham Diamond Status, which enhances your hotel experience through:
- 20% points earning bonus on stays
- Early check-in and late checkout privileges
- Suite upgrades when available
- Welcome amenity at check-in
This Diamond Status can also be matched to Caesars Rewards, offering substantial benefits for Las Vegas travelers. Additional card perks include a 10% discount on award stays and accelerated earnings of 8 points per dollar spent with Wyndham and on gas purchases, making this an excellent card for road travelers who frequently stay at Wyndham properties.
When The Usual Advice Doesn't Apply
Here are some situations where this card might not be ideal for you:
- You already have one or more hotel-specific cards and cannot accommodate another one in your travel strategy
- You value stays at other properties over Wyndham
- Wyndham Diamond status offers less value than complimentary statuses available through credit cards from other hotel chains
What to Know About Wyndham Rewards
Wyndham is towards the bottom of our hotel points list. It’s not a good utility point system to just hold points.
- Questionable room quality and cleanliness.
- Their points expire – even when you’re a cardholder.
- Difficulty in collecting points for more than a few stays.
- If you love a specific Wyndham hotel (including resorts), getting a card might be worth it.
How The Wyndham Rewards Earner Business Credit Card Fits In The Wyndham Rewards Ecosystem
Your travel patterns, Wyndham property usage frequency, and Chase 5/24 status will determine which of the three co-branded Wyndham cards best suits your needs. The Wyndham Earner Plus serves as the closest personal card equivalent to the Earner Business, though several features make the business version more advantageous.
Key comparisons between the cards:
- Wyndham Earner Business ($95 annual fee)
- 15,000 anniversary points annually
- 45,000-point sign-up bonus after $3,000 spend in first 3 months
- Automatic Diamond Status
- Doesn't impact Chase 5/24 status
- Wyndham Earner Plus ($75 annual fee)
- 7,500 anniversary points annually
- 45,000-point sign-up bonus after $1,000 spend in first 3 months
- Automatic Platinum Status
The price difference in annual fees is easily justified by the additional 7,500 anniversary points provided by the business card. However, the personal card's significantly lower spending requirement for the welcome bonus — $2,000 less — might make it preferable if you're primarily seeking bonus points.
For those considering the no-annual-fee option, the standard Wyndham Earner card offers:
- 30,000-point sign-up bonus (after $1,000 spend in 90 days)
- Gold status
- 7,500 anniversary points (but only after spending $15,000 annually)
We cannot recommend spending $15,000 annually just to earn 7,500 additional points. That level of spending would generate substantially better returns through other credit card offerings.
Card Information
Bonus Points
45,000
Minimum Spend
$3,000 / 3mo
Point Value
1.0 ¢
Annual Value
Annual Fee
$95
1st Year Value
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Differentiating Perks
Wyndham Rewards Diamond Status
Anniversary 15,000 Bonus Points
8X on Hotels by Wyndham
5X on Advertising & Marketing
5X on Utilities
Rules
Card Benefits
No benefits are available for this card.
Historical Card Offers
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Average Frequency
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Average Offer Length
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Estimated Next Offer
Start Date
Offer Length
Bonus
Minimum Spend
Spend Categories
8¢
Per Dollar
Spent
Spent
8¢
Per Dollar
Spent
Spent
5¢
Per Dollar
Spent
Spent
5¢
Per Dollar
Spent
Spent
1¢
Per Dollar
Spent
Spent
Wyndham Rewards Earner Business Application Rules
This business card will not show on your personal credit report, so it won't count against your 5/24 status
Card approval not subject to 5-personal-cards-in-24-months rule
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
Point Transfer Options
+7 Lower Value Transfers Show
China Eastern Airlines
Value: 1.1¢
22% Value Retained
5:1
Air China PhoenixMiles
Value: 1¢
20% Value Retained
5:1
