Editorial Review

Wyndham Rewards Visa With No Annual Fee: Ideal for Frugal Travelers

Earn 3X points at Wyndham properties, plus 2X points on gas, groceries and utilities. An easy-as-pie sign-up bonus and automatic elite status deliver additional value.

Kimberly PalmerJanuary 31, 2020

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  • Citi® Double Cash Card – 18 month BT offer

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Our Take

3.0

NerdWallet rating 

The bottom line: You won't get a free anniversary night, but you won't pay an annual fee either. Wyndham's hotels include several popular low-cost chains, so this is a solid card for the right traveler.

Barclaycard Wyndham Rewards Visa Signature Credit Card

Wyndham Rewards® Visa® With No Annual Fee

Annual Fee

$0

Regular APR

15.24% - 24.99% Variable APR

Intro APR

0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening

Recommended Credit Score

Quick Facts

Pros & Cons

Pros

  • No annual fee

  • 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening

  • No foreign transaction fee

Cons

  • No free annual anniversary night

  • No cash-back redemption option

Alternate Pick: Flexible no-fee rewards

Bank of America® Travel Rewards credit card

1.5 points per dollar on all purchases

For rewards you can use to stay at any hotel chain — or fly any airline or pay for any other travel expense, check out this card. You earn 1.5 points per dollar on purchases; points are worth 1 cent apiece when redeemed for travel

Read our review

Full Review

For travelers who enjoy Wyndham hotels and resorts and don't want to pay an annual fee on a credit card, the Wyndham Rewards® Visa® With No Annual Fee makes a compelling case.

Start with one of the easiest-to-claim sign-up bonuses on any credit card, then earn bonus rewards not only at Wyndham properties but also on everyday expenses like gas, groceries and utilities. Points can be redeemed for free or discounted stays at Wyndham properties, transferred to a dozen airline partners or Amtrak, or used for other redemption options. Hotel brands in the company's portfolio include its namesake Wyndham properties as well as popular lower-cost chains as La Quinta, Ramada, AmericInn, Baymont, Microtel, Days Inn, Howard Johnson's, Super 8 and Travelodge.

The Wyndham Rewards® Visa® With No Annual Fee is one of two Wyndham cards issued by Barclays. The other one — the Wyndham Rewards® Visa® Card — has a $75 fee and offers more robust rewards and perks. See our full review of that card here.

Depending on how often you stay with Wyndham, the card with an annual fee might actually be a better deal. But the no-fee version still offers good value for the right travelers.

Wyndham Rewards® Visa® With No Annual Fee: Basics

Card type: Hotel

Annual fee: $0.

Sign-up bonus: Earn 15,000 bonus points after your first purchase or balance transfer – enough to redeem for up to two free nights.

Rewards:

  • 3 points per dollar spent at Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties.

  • 2 points per dollar on gas, utility and grocery store purchases (except at Target and Walmart).

  • 1 point per dollar on all other purchases (excludes Wyndham timeshare down payments).

NerdWallet values Wyndham points at 0.9 cent each. This is a baseline value, drawn from real-world data, not a maximized value. In other words, you should aim for award redemptions that offer 0.9 cent or more in value from your Wyndham points.

Redemption options: 

  • Free nights at hotels in the Wyndham portfolio (7,500 to 30,000 points per night).

  • Discounted nights (1,500, 3,000, or 6,000 points per night plus a cash payment).

  • Transfers to more than a dozen partner programs, including American, United and Frontier airlines, as well as Amtrak.

  • Fuel discounts at Marathon gas stations.

  • Merchandise, gift cards, charitable contributions.

APR: 0% introductory APR for the first fifteen billing cycles following each balance transfer that posts to your account within 45 days of account opening, and then the ongoing APR of 15.24% - 24.99% Variable APR.

Foreign transaction fees: None.

Other benefits:

  • Automatic Gold status in the Wyndham Rewards loyalty program, which gives you perks like late checkout and free Wi-Fi.

Benefits of the Wyndham Rewards® Visa® With No Annual Fee

EASY-TO-EARN BONUS

Most credit cards with a sign-up bonus require you to spend a certain amount of money in the first few months to claim it. Not this one. Make one purchase with your new card (or transfer a balance to it), and you'll get a nice haul of points. Free nights start at 7,500 points (and go up to 30,000), so a bonus of 15,000 points could be enough to pay for two nights.

EXTRA Hotel benefits

Using the card at eligible Wyndham properties earns 3 points per dollar spent. That's on top of the 10 points per dollar (with a guaranteed 1,000-point minimum) you'll earn on hotel stays by being a member of the Wyndham Rewards loyalty program. For example, if you used your card to book a $300 stay, you'd earn 3,900 points — 3,000 from the loyalty program and 900 from the card.

Being a cardholder automatically qualifies you for Gold status in Wyndham Rewards. Usually, you have to stay five nights in a year to earn Gold status, which gets you free Wi-Fi, late checkout, expanded ability to choose rooms based on your preferences, and a 10% bonus on points earned from hotel stays (not points earned with the card).

Bonus rewards on everyday spending

Some hotel and travel credit cards earn bonus rewards only on travel expenses. Earning 2 points per dollar spent on qualifying gas, grocery and utility purchases makes this a reasonable option for people who prefer using a single card for everything.

Why you might want a different card

If you're a staunch Wyndham loyalist, you'll want to weigh this card against the annual-fee version. Here's how they stack up:

The key differences with the annual fee card are the larger potential bonus, the higher earning rate at Wyndham properties, Platinum status rather than Gold and an annual points bonus that can go a ways toward paying the fee.

With both cards, the rewards you earn are most valuable within the Wyndham system. There are point-transfer options, but you'll get only limited value from them. The standard transfer rate is 5 to 1, meaning that for every 5 Wyndham points you transfer, you get 1 point or mile in the partner program.

If you're not wedded to Wyndham and you spread your business across multiple hotel groups, you would probably get more value out of a general-purpose travel credit card — a more versatile card that earns points you can use for stays at any hotel or flights on any airline.

Consider these options:

Chase Sapphire Preferred® Card

Although the Chase Sapphire Preferred® Card charges an annual fee of $95, it offers flexibility in both earning and redeeming points that’s hard to match. You earn 2 points per dollar on travel and dining and 1 point per dollar on everything else. You can increase the value of your points by 25% when you redeem for travel booked through Chase. The sign-up bonus is also a winner: Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $750 toward travel when you redeem through Chase Ultimate Rewards®.

Capital One® Venture® Rewards Credit Card

The Capital One® Venture® Rewards Credit Card earns 2 miles per dollar on every purchase. Miles can be redeemed for any travel expense at 1 cent per mile. It has an annual fee of $0 intro for the first year, then $95, and offers a fat sign-up bonus: Enjoy a one-time bonus of 50,000 miles once you spend $3,000 on purchases within 3 months from account opening, equal to $500 in travel.

Bank of America® Travel Rewards credit card

If a $0 annual fee is a must for you, take a look at the Bank of America® Travel Rewards credit card. It earns 1.5 points per dollar spent on all purchases. If you have balances of $20,000 or more in Bank of America® and Merrill accounts, you can earn rewards bonuses of 25% to 75%. The sign-up bonus is 25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases.

Is the Wyndham Rewards® Visa® With No Annual Fee right for you?

If you often find yourself checking in to Wyndham properties, the Wyndham Rewards® Visa® With No Annual Fee will help you rack up rewards to pay for future stays, without costing you anything to carry. But if you just as often find yourself at other hotel chains, look to a general travel rewards card.

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