Bottom Line

If you want a Wyndham-specific card, you need to compare the current sign-up bonus and benefits of this card with the two personal versions. If you’re nearing Chase’s 5/24 status and don’t want to add another personal card, this might be the best option—especially if you plan on keeping it long-term. The 45,000-point sign-up bonus, earned after spending $3,000 over the first three months, plus 15,000 bonus points each anniversary year, makes this card very appealing. That annual bonus helps offset the $95 annual fee, and automatic Wyndham Diamond status (along with a match to Caesars Rewards) can be valuable if you stay at Wyndham properties more than once a year.

Why You Might Want This Card

The 45,000-point sign-up bonus, available after spending $3,000 on purchases in the first three months, provides a strong base of points. If you stay at Wyndham properties even once a year, the 15,000 bonus points you receive each anniversary can justify the $95 annual fee. You also get automatic Wyndham Diamond Status and can match that to Caesars Rewards, which offers solid perks if you visit Las Vegas even semi-regularly. This business card won’t count against your 5/24 limit, and you’ll receive a 10% discount on award stays. Plus, you earn 8 points per dollar spent with Wyndham and on gas purchases.

Exceptions To The Rule

This card might not be ideal if:

• You already have one or more hotel-specific cards and don’t travel often enough to benefit from another.
  
• You prefer other hotel brands over Wyndham.
  
• Wyndham Diamond status holds less value for you than the complimentary statuses available through other hotel credit cards.

About Wyndham Rewards

Wyndham may not be Mr. Popular during lunch period, but its subtle redemption program holds a mysterious appeal. Earn points through the Wyndham Visa cards, which are both very simple to understand, options include a 15,000 or a 30,000 welcome bonus, using your cards to get gas, pay utility or buy groceries gets you 2x point per $1 on both cards and with the annual fee card you get extra, thank you anniversary points every year. As for transferring, thankfully Capital One has added them in with a transfer rate of 2:1.5, as a nice option if you're short on points. Redemption time is as simple as 1, 2, 3, because those are the tiers, hotels at 7,500, 15,000 or 30,000 points. Also, look into a discounted “go fast” night where you can book a room for low points + cash, this option generously stretches your points and caters entirely to us, the customers. Wyndham offers over 9,000 hotels worldwide, including all-inclusive vacation club resorts and vacation rentals all bookable with points, so while it’s sometimes disregarded, we think Wyndham rewards has definitely grown into a very attractive option.

Where Wyndham Rewards Earner Business Fits In This Point Ecosystem

Your travel habits, loyalty to Wyndham properties, and 5/24 status will help you decide which Wyndham card is best. Among the three Wyndham credit cards, the business version is the only one that awards 15,000 bonus points each anniversary year to help offset the $95 annual fee. In comparison, the Wyndham Earner Plus Card offers 7,500 points per year with a $75 annual fee. Both the business and Earner Plus cards have the same 45,000-point sign-up bonus, but the personal version only requires $1,000 in purchases (versus $3,000 for the business). Still, the business card grants automatic Diamond Status, won’t affect your 5/24 count, and offers 15,000 annual bonus points—making it a strong choice if those perks matter to you.

There’s also the no-fee Wyndham Earner Card, which offers a 30,000-point sign-up bonus after $1,000 in spending within 90 days. It provides Gold status and 7,500 bonus points each anniversary year, but only if you spend $15,000 annually—a target that usually isn’t worth aiming for when you could earn a better sign-up bonus elsewhere for that level of spending.

Personal Experience