Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. 

Advertiser Disclosure: Many of the companies featured here provide compensation to us. This is how we maintain our free service. Compensation and in-depth editorial research, determines where & how companies appear below. 

Wyndham Rewards Earner® Business Card Review

Learn More

Wyndham Rewards Earner® Business Card Review

Earn 45,000 bonus points after spending $3,000 in the first 90 days.

Wyndham Rewards Earner® Business Card Review

Wyndham Rewards Earner® Business Card Review

Learn More

Earn 45,000 bonus points after spending $3,000 in the first 90 days.

Editorial Disclosure: Opinions, reviews, analyses & recommendations are the author’s alone, and have not been reviewed, endorsed or approved by any of these entities.

Introduction

The Wyndham Rewards Earner® Business Card enters the market as a powerful tool for business owners who travel frequently and prefer staying at Wyndham properties. This credit card is designed to leverage spending into rewards, offering generous points on business-related categories such as gas stations and hotel stays.Elev

Tailored for the savvy business traveler, the card comes with a suite of benefits and a compelling points system that can translate into significant savings on travel and other business expenses. Whether it’s a cross-country road trip or a hotel conference stay, this card aims to make every dollar count towards the next business journey.

Welcome Bonus

Kickstarting your journey with the Wyndham Rewards Earner® Business Card, new cardholders can find themselves en route to substantial savings with an alluring welcome bonus. The card offers an opportunity to earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days after account opening. To put this in perspective, these points can be redeemed for up to six free nights at participating Wyndham Rewards hotels, which vary from comfortable roadside inns to upscale resorts.*

Furthermore, in the first year, cardmembers can net an additional 15,000 bonus points on their card anniversary, given that they meet the annual spending threshold. This could extend the travel rewards even more significantly, covering more ground and stays in Wyndham destinations.

These introductory incentives make the Wyndham Rewards Earner Business Card especially attractive if your business expenses align with the spending categories or if you have upcoming expenditures that could help you meet the bonus criteria. However, it goes without saying that chasing a welcome bonus is most beneficial if it fits naturally within your business’s budgeting and spending patterns, avoiding unnecessary purchases just to snag the rewards.

*Free nights at properties require a variable number of points, subject to availability and the Wyndham Rewards program’s terms and conditions.

Earning Rewards

Navigating the seas of business expenses with the Wyndham Rewards Earner® Business Card in hand can turn every purchase into a strategic move toward your next hotel stay. Here’s how you can rack up the points:

Firstly, swiping your card at gas stations propels your points balance to an impressive 8 points per dollar spent. Coupled with this, Wyndham hotel stays and purchases at Wyndham properties, including timeshare and property management fees, earn cardholders a similar rate of 8 points per dollar, which can accumulate swiftly for businesses with frequent travel needs.

Moreover, select Wyndham-affiliated purchases such as marketing or maintenance costs provide a boost, with 5 points per dollar spent. Businesses that incur significant marketing expenses might find this particularly lucrative, pairing necessary spending with reward earnings.

For general expenses that fall outside these specific categories, there’s still an opportunity to earn: You’ll earn 1 point per dollar spent on all other purchases, with no caps on earning potential. This means that from office supplies to client dinners, your everyday business spend is quietly accumulating rewards.

It’s worth highlighting the synergy this card has when combined with Wyndham’s hotel portfolio, which comprises well-known brands like Days Inn, Ramada, and more. The aforementioned 8 points per dollar earn rate, when harnessed effectively, can translate to quicker reward nights and enhanced travel experiences.

The card also comes with an AUTO status upgrade to Wyndham Rewards’ Diamond membership, providing an additional 6 points per dollar spent on top of the base earned in participating hotels, enriching the overall rewards experience.

It’s a potent mix that could serve businesses well, especially those with a heavy reliance on road travel and hospitality services. Through astute management of business expenses, the Wyndham Rewards Earner® Business Card offers a route to making every dollar spent work harder towards rewarding travel and experiences.

Please note, that annual fees and the potential for interest rates should be considered in the overall cost-benefit analysis of using the card for such rewards-earning strategies.

Redeeming Rewards

Accumulating points with the Wyndham Rewards Earner® Business Card is only half the fun—the true excitement comes when redeeming those hard-earned rewards. Here’s an insight into how you can capitalize on your points for optimal value:

Wyndham’s hotel network is extensive, and your points open the door to free nights at over 9,000 hotels worldwide. The redemption process is straightforward: Free night stays start at just 7,500 points for a one-night stay at a Tier 1 property, scaling up to 30,000 points at their premier Tier 4 properties. Thanks to this tiered system, you can strategically use points for multiple stays at lower-tier hotels or indulge in luxury at high-tier locations.

For those looking to extend their rewards beyond hotel stays, points can also be converted to partner programs, such as airline miles. The transfer rates vary by partner, so it’s crucial to assess whether the conversion makes financial sense before proceeding. Careful consideration can lead to enjoying rewards not just in hotels, but in skies above.

Wyndham Rewards also offers the Go Free PLUS and Go Fast PLUS rewards, which provide discounts on local experiences at select destinations. These benefits add another dimension to rewards redemption, pairing accommodations with experiences to enhance business trips or leisure escapes.

Lastly, points can be put towards unique rewards like car rentals, gift cards, and merchandise. While these options might offer a lower value per point compared to free nights, they provide versatile alternatives that could align better with certain business needs or personal preferences.

Remember, the best redemption strategy is one that matches your lifestyle and needs. Consider not only the monetary value of the rewards but also the potential for making lasting memories or enhancing your business travel experience. With the Wyndham Rewards Earner Business Card, the world doesn’t just become your oyster—it becomes a suite of potential getaways and joyous occasions.

Perks and Benefits

Owning a Wyndham Rewards Earner® Business Card transcends mere point accumulation; it’s about embracing a spectrum of perks designed to enrich the business travel experience:

  • Complimentary Diamond Membership: Cardholders automatically receive Wyndham Rewards Diamond status, granting perks like suite upgrades, welcome amenities at check-in, and the ability to gift Gold status to others.
  • No Foreign Transaction Fees: Conduct business abroad without the worry of additional costs on overseas transactions, making it an excellent companion for international travel.
  • Early Check-in and Late Check-out: Flexibility is key in travel, and this card offers just that with priority check-in and extended check-out times, subject to availability.
  • Cell Phone Protection: In an age where our phones are lifelines to business operations, this card provides cell phone protection against damage or theft when you pay your monthly bill with it.
  • Free Night Stays: Earn one free night after your account anniversary each year when you spend $15,000 on eligible purchases, plus additional free nights with 15,000 points at participating properties.
  • Free Employee Cards: Multiply earning opportunities by adding employee cards at no additional cost, all while keeping tabs on business expenses.
  • Car Rental Coverage: When renting a car, feel secure with complimentary collision damage waiver insurance when you pay for the rental with your card.
  • Wyndham Rewards EARNSHOP®: Earn additional points when shopping through the Wyndham Rewards EARNSHOP.

These benefits exemplify the card’s dual nature—catering not just to your business’s bottom line but also to elevating travel experiences and providing peace of mind. It’s about turning necessary expenditures into opportunities for comfort, convenience, and reward.

Investing in such a card isn’t merely a financial decision; it’s a commitment to an enhanced travel lifestyle for you and your employees. With thoughtful usage, the Wyndham Rewards Earner Business Card becomes more than just a payment mechanism—it evolves into a vehicle for seamless travel, meaningful rewards, and delightful experiences.

Pros and Cons

When evaluating the Wyndham Rewards Earner® Business Card, it’s beneficial to weigh its advantages and drawbacks to see if it’s the right fit for your business needs. Here’s a balanced breakdown:

Pros:

  • Generous Point Earnings on Gas and Wyndham: Earn 8 points per dollar spent on gas and Wyndham hotel stays, an exceptional rate for businesses with high fuel expenses or those who frequently stay at Wyndham properties.
  • Welcome Bonus: The potential to earn a significant welcome bonus can lead to several free nights, boosting the card’s initial appeal.
  • Automatic Diamond Status: Diamond membership status opens doors to enhanced travel experiences, including room upgrades and additional point bonuses.
  • No Foreign Transaction Fees: Ideal for international business travel, it allows you to make purchases abroad without incurring extra costs.
  • Annual Bonus Points: If you meet the spending requirement, the additional bonus points on your card anniversary can further your travel rewards.
  • Versatile Redemption Options: Points can be redeemed for hotel stays, experiences, or transferred to partner programs, catering to various business preferences.

Cons:

  • Annual Fee: There’s a $95 annual fee, which you’ll need to factor into your costs. If your spending doesn’t justify the fee in earned rewards, the card may not be cost-effective for you.
  • Brand Specificity: The highest rewards rates apply to Wyndham and gas purchases. If your travel plans are not aligned with Wyndham hotels, or you don’t spend much on gas, you may find less value in the card.
  • Reward Redemption Values: While there’s an array of redemption options, the point value can significantly vary, depending on how you redeem them.
  • Balance of Earning and Spending: To realize the full potential of the welcome bonus and annual spending bonuses, you’ll need to meet specific spending thresholds, which may encourage excess spending.
  • Rewards Program Complexity: Navigating the Wyndham Rewards program tiers and point conversions might be cumbersome for some users, especially compared to simpler cash-back credit cards.

Overall, the Wyndham Rewards Earner Business Card stands out for businesses that can take advantage of its specific earning categories and redemption opportunities. The card’s value is highest for those committed to the Wyndham brand and who have substantial gas expenses, providing a solid return on investment through free nights and business travel benefits. However, businesses with more diverse travel preferences or those looking for more straightforward rewards might consider other options.

Comparison to Other Cards

In the competitive world of business credit cards, every card touts its own set of benefits and rewards. To assess the value of the Wyndham Rewards Earner® Business Card, let’s compare it against some other popular options:

  • Chase Ink Business Preferred® Credit Card: This card caters to a variety of business spending, providing 3 points per dollar on the first $150,000 spent on travel and select business categories each account anniversary year. It doesn’t tie you to one hotel brand, which means greater flexibility but potentially less reward density for loyal Wyndham customers.
  • The Business Platinum Card® from American Express: Offers luxury travel perks and a robust rewards program with 5 points per dollar on flights and prepaid hotels booked through amextravel.com. The high annual fee might be a deterrent for some, but it warrants consideration for high spenders valuing premium travel benefits.
  • Capital One® Spark® Miles for Business: Simplicity is key here, with an unlimited 2 miles per dollar on every purchase. There’s no need to track spending categories, making it a straightforward choice for businesses preferring a no-fuss rewards system.
  • Marriott Bonvoy Business™ American Express® Card: Similar to the Wyndham Rewards card, it leans into hotel stays, offering 6 points per dollar at participating Marriott Bonvoy hotels. This card is more suitable for businesses with a preference for Marriott properties.

When scrutinizing the Wyndham Rewards Earner® Business Card alongside its peers, consider the following factors:

  • Brand Loyalty: If your business travel plans often include Wyndham properties, the specific benefits and high earning rates could outweigh more generalist cards.
  • Rewards Flexibility: Cards like the Chase Ink or Capital One Spark offer more flexibility but at potentially lower reward rates for specific categories.
  • Travel Benefits: The Business Platinum Amex may provide broader luxury perks but at a higher annual fee.
  • Spending Categories: Align your card choice with your primary expense categories to maximize rewards.

Choose your card with precision, aiming to match your spending habits and travel preferences with the benefits that will best elevate your business and pleasure.

Conclusion

In summary, the Wyndham Rewards Earner® Business Card is a commendable choice for business owners who frequent Wyndham properties and spend significantly on gas. With an impressive welcome bonus, high earning rates in specific categories, and a variety of redemption options, this card can offer remarkable value and elevate your travel experiences. The automatic Diamond status and the absence of foreign transaction fees add further allure. However, businesses with more varied travel patterns or lower spending may find less benefit due to the annual fee and brand-specific perks. Ultimately, aligning the card’s features with your business’s spending habits and travel needs is key to maximizing its potential.

Frequently Asked Questions

How do business credit cards affect my personal credit score? Business credit cards can affect your personal credit score if the card issuer reports account activity to consumer credit bureaus. For example, late payments or high credit utilization on your business card could negatively impact your personal credit score.

Can I get a business credit card without a business? Typically, you need to have some form of business activity, like freelancing or selling goods, to qualify for a business credit card. However, you don’t need to have a formal business structure like an LLC or corporation.

What expenses should I charge to a business credit card? Charge any business-related expenses to a business credit card, including office supplies, travel, telecommunications, and advertising. This helps keep personal and business expenses separate and can streamline accounting.

How can I maximize reward points on a business credit card? Maximize reward points by using your business credit card for all eligible business expenses, especially in categories that earn higher reward rates. Consider setting up automatic payments for recurring expenses to ensure you don’t miss out on earning points.

Do business credit cards offer fraud protection? Most business credit cards offer fraud protection, which helps safeguard against unauthorized charges. If you suspect any fraudulent activity, contact your card issuer immediately to take appropriate action.

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