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Wyndham Rewards® Earner℠ Business Card review

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Get 8x points on Wyndham purchases and a intro APR period on Wyndham stays.

  • Get this card if you stay at Wyndham locations every year and want to get the best value.
  • Pick something else if you want a Wyndham card without an annual fee.
  • Apply with a good credit score of 670 or higher for the best chances of approval.

45,000

Points as welcome offer

Up to 8x

Points

$95

Annual fee

0%

Intro purchase APR

for the first 6 billing cycles on Wyndham timeshares (then 15.99%, 19.99% or 24.99% variable)

Details

Product NameWyndham Rewards® Earner℠ Business Card
Card typeVisa
Annual fee$95
Purchase APR0% intro for the first 6 billing cycles on Wyndham timeshares (then 15.99%, 19.99% or 24.99% variable)
Balance transfer APR15.99%, 19.99% or 24.99% variable
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$10 or 3% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 20 days
Late payment feeUp to $39
Returned payment feeUp to $39

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Wyndham Rewards® Earner℠ Business Card costs $95 annually. This may deter some people from applying, but the card is worth the cost. For starters, you get to earn 8x points on Wyndham purchases and gas purchases, which comes to around 5% back on average. This is without quarterly or annual limits.

What’s more, you get to earn a signup bonus worth up to six nights at Wyndham locations, and you get 15,000 bonus points every year on your card anniversary. This perk alone can be enough to offset the annual fee.

How to apply for the Wyndham Rewards® Earner℠ Business Card

To apply for the Wyndham Rewards® Earner℠ Business Card:

  1. Visit the Barclaycard website.
  2. Find the Wyndham Rewards® Earner℠ Business Card.
  3. Click Learn more and then Apply now.
  4. Fill out the application form.
  5. Review the application form and submit.

What credit score do I need?

Apply with a good credit score of 670 or higher for the best chances of approval.

Wyndham Rewards® Earner℠ Business Card benefits

  • Rewards. Earn 8x points on purchases made at Wyndham hotels and gas purchases, 5x points on marketing, advertising services and utilities and 1x points on everything else.
  • Signup bonus. Earn 45,000 bonus points after you spend $1,000 in your first 90 days of card membership. Depending on which location you redeem your points, the signup bonus can earn you between one and six free nights.
  • Annual bonus. Get 15,000 bonus points every year on your card anniversary. You can redeem this for up to two nights.
  • Diamond elite status. As a cardmember, you automatically get Wyndham’s DIAMOND membership level, which comes with benefits like suite upgrades, welcome amenities at check-in, gift Gold status to a friend or family member and more. Without the card, you would need 24 nights to earn this membership status.
  • Intro APR period on purchases. Get 6 billing cycles on Wyndham timeshares of 0% intro APR period on Wyndham timeshare purchases. After that, a variable APR of 15.99%, 19.99% or 24.99% applies.

What to watch out for

  • Annual fee. You’ll pay $95 for this card each year. But you can offset the fee with your annual 15,000 bonus points on your card anniversary, which can be worth anywhere between $90 and $150.
  • Intro APR period on purchases. Your intro APR period applies only on Wyndham timeshare purchases and not on all purchases, such as a new iPhone or a laptop.

Compare business credit cards

Data indicated here is updated regularly
Name Product Rewards Purchase APR Annual fee
Ink Business Preferred® Credit Card
3x points on the first $150,000 on travel and select business categories annually, then 1x after and on all other purchases
15.99% to 20.99% variable
$95
100,000 bonus points after you spend $15,000 on purchases in the first 3 months after account opening. That's $1,250 toward travel rewards when you redeem through Chase Ultimate Rewards®
Ink Business Cash℠ Credit Card
5% at office supply stores, on Internet, cable and phone up to $25,000 combined annually (then 1%), 2% on gas and dining up to $25,000 combined annually then 1% after that and on all other purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 in the first 3 months.
Ink Business Unlimited℠ Credit Card
1.5% cash back on all purchases
0% intro for the first 12 months (then 13.24% to 19.24% variable)
$0
$500 bonus cash back after you spend $3,000 on purchases in the first 3 months after account opening.
United℠ Business Card
2x miles on United, restaurants, gas stations, office supply stores, local transit and commuting, and 1x miles on all other purchases
16.49% to 23.49% variable
$0 intro annual fee for the first year ($99 thereafter)
Earn 75,000 miles once after spending $5,000 in your first 3 months.
Universal Premium Mastercard®
3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network
27.24% variable
Up to $120
Earn 3 cents off per gallon when you buy 30,000 or more gallons in a month plus 3 cents off at the Retail Savings Network.
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Compare up to 4 providers

Bottom line

The Wyndham Rewards® Earner℠ Business Card is the best Wyndham credit card available. It has the highest rewards rate on purchases made at the hotel, a generous signup bonus and a complimentary Diamond membership status — the highest tier you can reach within the program. The personal Wyndham Rewards® Earner℠ Card can also be a good choice if you don’t want to pay an annual fee. As an alternative, you can also compare general travel cards for businesses to find a card that works for you.

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