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The $149-annual-fee Wyndham Rewards® Earner℠ Business Credit Card is built for the small-business owner who loves staying at Wyndham properties and who is also spending heavily on marketing, advertising and utilities.
So if you’re a frequent traveler and entrepreneur working hard to get the word out about your business, this could be the card for you.
Those are highly specific spending categories, though, and potentially not as useful for a side gig or even some sole proprietorships.
Here are five things to know about the card.
🤓 Nerdy Tip
Wyndham also offers three consumer hotel cards: the Wyndham Rewards Earner® Premier Card ($395 annual fee), Wyndham Rewards Earner® Plus Card ($95 annual fee), and theWyndham Rewards Earner® Card ($0 annual fee). 1. Rewards rates are impressive, if your spending lines up
The Wyndham Rewards® Earner℠ Business Credit Card earns:
- 8 points per $1 spent on purchases made at Hotels by Wyndham.
- 5 points per $1 spent on Wyndham Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases.
- 1 point per $1 spent on all other purchases.
Those are pretty specific bonus categories that won’t appeal to all small-business owners, but could be a huge boost for some.
NerdWallet values Wyndham points at each.
2. You'll have no shortage of places to use those points
Wyndham is a massive hotel chain with over 9,000 properties around the world. That makes it easy to turn your points into a free or discounted stay at one of the many hotel options. One night typically costs 7,500, 15,000 or 30,000 points per bedroom. However, Wyndham Earner Business cardholders get a 20% discount when booking free nights, so one night's stay could require as few as 5,625 points.
Points may also be redeemed for gift cards, merchandise and experiences, among other things, but you'll generally get less value per point than when you redeem for hotel stays.
3. There's a solid sign-up bonus
The card offers the following for new customers: Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. 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.
Compared to other cards with a similar annual fee, that’s a pretty good welcome offer — but there are others that could be more lucrative and flexible.
The Chase Sapphire Preferred® Card, for example, offers the following: Earn 100,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening. And you can redeem those points for a lot more than just stays with Wyndham.
4. Anniversary points can be valuable
The Wyndham Rewards® Earner℠ Business Credit Card gives you 15,000 bonus points on your card anniversary every year, and that can snag you a free night at plenty of Wyndham properties, though not at the chain's highest-tier properties, which cost 30,000 points per night.
Other hotel cards with similar annual fees, like the Marriott Bonvoy Boundless® Credit Card and the World of Hyatt Credit Card, offer an outright "free night award" every year that you can use at a wide range of properties.
5. Side perks can deliver meaningful savings
In addition to the aforementioned discount on award night bookings, the Wyndham Rewards® Earner℠ Business Credit Card comes with the following benefits:
- Diamond Status within the Wyndham Rewards loyalty program.
- Emerald Club Executive status within National car rental's loyalty program.
- Annual $65 credit toward an eligible wholesale club membership.
- Up to a $50 credit every year on qualifying accounting software purchases.
If you can make use of just the two annual statement credits, the Wyndham Earner Business card almost pays for itself.
