Wyndham Rewards Earner Business Card review 2024: Impressive rewards lead to free nights, fast

The Wyndham Rewards Earner® Business Card * The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. is an excellent choice for those who want a small business hotel card. It offers automatic top-tier elite status with Wyndham, as well as a stellar rewards rate on Wyndham stays and business expenses. Read more in our full review of the Wyndham Rewards Earner Business Card.

Wyndham Rewards Earner Business Card basics

• Annual fee: $95.
• Welcome bonus: 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• Rewards: 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.
• APR: 0% intro APR for six billing cycles from the transaction date on all qualifying Wyndham Timeshare purchases. The standard APR of 21.24%, 25.24% or 30.24% variable applies to purchases and balance transfers. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies.
• Recommended credit score: Good to excellent.
• Does the card offer preapproval? No.
• Other benefits: The card also offers a 10% discount on award redemptions, Wyndham Diamond status, cellphone protection and an annual bonus of 15,000 bonus points each anniversary year.

Wyndham Rewards Earner Business Card review

Wyndham’s extensive portfolio includes over 9,000 properties worldwide, representing a diverse collection of brands in over 90 countries. With options ranging from Alltra all-inclusive resorts to upscale brands like Wyndham Grand, as well as value and extended stay brands and everything in between, Wyndham offers a wide range of accommodations to suit your individual taste.

For small business owners who frequently travel, the Wyndham Rewards Earner Business Card offers a great opportunity to accumulate Wyndham Rewards points and earn award nights more quickly.

With the automatic top-tier Diamond elite status, cardholders of the Wyndham Rewards Earner Business Card will enjoy perks such as accelerated earning rates, early and late checkout (when available) and the chance for suite upgrades. What may surprise you is that the Wyndham Rewards Earner Business Card offers all this and more, with a reasonable Wyndham Rewards Earner® Business Card * The information for the Wyndham Rewards Earner® Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. annual fee.

The card offers an impressive earning rate of 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.

This hotel co-branded card is definitely a strong contender if you stay at Wyndham properties, thanks to its numerous benefits. These include 10% off award redemptions and 15,000 bonus points each anniversary year.

It’s important to mention that new applicants have the opportunity to 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. This is enough for nearly two weeks of complimentary nights at participating properties.

Pros

• Earn elevated earnings on Wyndham stays: You’ll enjoy elevated earning rates on popular business expenses such as marketing, advertising and utilities, in addition to earning generous points on Wyndham stays and at gas stations.
• Automatic Diamond elite status: This gives you access to benefits like suite upgrades, a welcome amenity at check-in, bonus points and more.
• 10% discount on award redemptions: Save 10% of your points each time you redeem them for hotel stays with Wyndham.
• 15,000 anniversary bonus points: Receive 15,000 bonus points each anniversary year, which is good for up to 2 free nights.
• Cellphone protection: Pay your monthly cellphone bill with the card and get coverage for eligible damage or theft for up to $600 per claim, up to a $1,000 maximum per year ($50 deductible).

Cons

• Limiting intro APR offer: No intro APR on balance transfers or normal purchases, only an intro APR on “Wyndham Timeshare Purchases” for the first six months.
• Lack of redemption options: Redeeming points for anything other than Wyndham stays lowers the card’s value.
• Niche bonus categories: Earning potential is limited if you are not able to make the most of niche bonus categories. 

Wyndham Rewards Earner Business Card rewards

The Wyndham Rewards Earner Business Card earns 8 points per $1 spent on Hotels By Wyndham and gas purchases, 5 points per $1 on marketing, advertising and utility purchases and 1 point per $1 on all other purchases.

The card also has a record-high welcome bonus of 50,000 points after spending $4,000 on purchases in the first 90 days plus an additional 50,000 points after spending $15,000 on purchases within the first 12 months of account opening. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.

The most valuable use of Wyndham Rewards points is to redeem them towards hotel stays. The Wyndham Rewards program’s award structure is extremely straightforward, with all hotels falling into one of three tiers, each costing 7,500, 15,000, or 30,000 points per night. 

This means that a 100,000-point welcome bonus may be worth three free nights at a Category 3 hotel, six free nights at a Category 2 hotel, or an incredible 13 nights at a Category 1 hotel. 

Furthermore, Wyndham Business cardholders receive a 10% discount on all award stays, resulting in a reduced cost of 6,750, 13,500 and 27,000 points per night, respectively.

Using government data and other publicly available information, here’s what we estimate a small business owner might spend using this card in a year:

SPENDING CATEGORY	SPENDING AMOUNT	POINTS PER DOLLAR	POINTS EARNED
Hotels	$1,033	8 points	8,264 points
Gas	$2,275	8 points	18,200 points
Utilities	$2,122	5 points	10,610 points
Other	$25,000	1 points	25,000 points
TOTAL	$30,869		62,074 points

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In this example, cardholders earn over 60,000 Wyndham Rewards points annually. These can be used in a variety of ways, the most common and suggested being to redeem them for hotel award nights. Wyndham Rewards offers straightforward redemption rates, with free nights costing 7,500, 15,000, or 30,000 points each night. 

In addition to free night stays with Wyndham, you can also redeem points for over 15,000 vacation rental homes through Vacasa, with redemption rates starting at 15,000 points per room, per night.

Wyndham Rewards Earner Business Card APR

The card does not have an introductory APR on general purchases or balance transfers, but it does have a 0% intro APR for six billing cycles from the transaction date on all qualifying Wyndham Timeshare purchases. The standard APR of 21.24%, 25.24% or 30.24% variable applies to purchases and balance transfers. A balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater, applies.

Wyndham Rewards Earner Business Card perks

One lesser-known benefit of being a cardholder is the cellphone protection you receive when you pay your monthly bill with the Wyndham Rewards Earner Business Card. 

This protection covers any damage or theft that may occur to your phone. If you pay your wireless bill with the card, you’ll have the added benefit of being protected against cellphone theft or damage. 

The coverage provides up to $600 per claim and $1,000 per covered card per 12-month period. Each claim has a $50 deductible, and there is a maximum of two claims allowed within a 12-month period. 

How the Wyndham Rewards Earner Business Card compares to other small business travel cards 

Wyndham Rewards Earner Business Card vs. The Hilton Honors American Express Business Card * The information for the The Hilton Honors American Express Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If your work travel plans lead you to hotels other than Wyndham, you might consider earning points with a different chain like Hilton. Hilton offers a wide variety of brands, catering to different needs and preferences. From affordable options to long-term stays, all the way up to high-end luxury brands like Waldorf Astoria and Conrad.

The Hilton Honors American Express Business Card * The information for the The Hilton Honors American Express Business Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) offers a generous earnings rate of 12 Hilton Honors points per $1 on eligible purchases at hotels or resorts in the Hilton Portfolio, 5 points per $1 on the first $100,000 in other purchases made with the card each calendar year, then 3 points per $1 thereafter.

The card also offers a welcome bonus that is quite generous, especially when you consider the relatively modest $195 annual fee. And if you frequently rent cars, the Hilton Honors American Express Business Card also grants you National Car Rental Emerald Club Executive status. 

Best of all, the Hilton Honors American Express Business Card comes with annual statement credits of up to $240 back every year for purchases made directly with a property in the Hilton portfolio, granted as up to $60 in statement credits per quarter. Overall, the Hilton Honors American Express Business Card may be ideal if you stay at Hilton more than Wyndham and want greater travel benefits. Enrollment is required for select benefits. 

Wyndham Rewards Earner Business Card vs. Ink Business Preferred® Credit Card * The information for the Ink Business Preferred® Credit Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you’re not solely focused on earning Wyndham Rewards points and instead value a business card that rewards your business spending and offers transferable points for a wide range of travel purchases, the Ink Business Preferred Credit Card could be the perfect fit for you.

The Ink Business Preferred card offers bonus categories that are comparable: 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year and 1 point per $1 on all other purchases.

The Ink Business Preferred also delivers the flexibility to use your Chase Ultimate Rewards® points in multiple ways. You can redeem them at 1.25 cents per point through the Chase Travel℠ portal or transfer them at a 1:1 ratio to a variety of hotel and airline partners, such as Hyatt and Southwest. 

The card also offers a very generous welcome bonus: 100,000 points after spending $8,000 on purchases in the first three months of account opening. There is a $95 annual fee associated with the Ink Business Preferred, equivalent to the Wyndham Rewards Earner Business Card, but the former earns flexible points that offer many more redemption options besides just hotel stays with one hotel brand.

Wyndham Rewards Earner Business Card vs. Marriott Bonvoy Business® American Express® Card * The information for the Marriott Bonvoy Business® American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer.

If you aren’t partial to Wyndham properties and just want to earn rewards towards free nights, the Marriott Bonvoy Business® American Express® Card * The information for the Marriott Bonvoy Business® American Express® Card has been collected independently by Blueprint. The card details on this page have not been reviewed or provided by the card issuer. (terms apply) merits a look. Marriott has the largest portfolio of hotels in the world so it’s likely you’ll find a Marriott wherever it is you’re going. The cobranded business card carries a $125, which although about twice as much as the Wyndham Business card, it also offers one free award night each year, worth up to 35,000 Bonvoy points. That could make the extra carrying cost worth it to you.

The Marriott Bonvoy Business card earns 6 points per $1 at on eligible purchases at hotels participating in the Marriott Bonvoy program, 4 points per $1 at restaurants worldwide, U.S. gas stations, on wireless telephone services purchased directly from U.S. service providers and U.S. purchases for shipping and 2 points per $1 on all other eligible purchases and comes with a welcome offer of five Free Night Awards (worth up to 250,000 total Marriott Bonvoy points) after spending $8,000 on eligible purchases within the first six months of card membership. Certain hotels have resort fees. Offer ends 7/10/2024. However, the card only grants low-tier Gold status which comes with minimal perks. Which card is better for you will ultimately depend on which hotel brand you prefer and how much you value the included free night perk with the Marriott card.

Is the Wyndham Rewards Earner Business Card worth it?

The Wyndham Rewards Earner Business Card is appealing to small business owners who frequent Wyndham properties. This card will quickly rack up Wyndham Rewards points with its strong earning rates.

Wyndham has more than 9,000 hotels in its growing portfolio and each year for a $95 annual fee, you’ll receive an array of Wyndham-related perks, plus the 15,000-anniversary bonus points (which could be worth up to to two free award nights). The card is definitely worth considering if you’re a small business owner who is loyal to the Wyndham brand.

Wyndham Rewards Earner Business Card is right for you if:

• You often stay at Wyndham properties and are looking for a way to enhance your stays with elite status, possible suite upgrades and accelerated bonus points.
• The bonus categories align with your spending habits, and you can amass a large number of points to help you enjoy free night award nights faster.
• You want cellphone protection as a card benefit in the event that your phone is lost or damaged.

Frequently asked questions (FAQs)