Wyndham Rewards Earner Business
Barclays$149 a yearVisa SignatureNo foreign transaction feeIssuer's page
A fair time to apply if the card fits how you spend.
Already have it? Keep it.
Cardholders who had this card before 6/17/26 keep their original $95 annual fee, earning rates, and benefits unchanged. That includes automatic Diamond status but not Emerald Club Executive status with National, which only accounts opened on or after 6/17/26 get. The figures on this page are what a new applicant gets today.
Welcome bonus
45,000points
after $3,000 in purchases in the first 90 days
Not counted: another 55,000 (about $313) if you spend $500 at Hotels by Wyndham within 180 days.
6/24 Rule, 24 Month Rule and 2 more. Am I eligible?
A typical spender, at Miles' point values.
| First-year value | Amount |
|---|---|
| Welcome bonus45,000 points at 0.57¢ | $257 |
| Rewards above a 2% no-fee cardvs Double Cash, on $32,500 typical spend | +$20 |
| Credits you'll likely useof $115 face value | +$81 |
| Annual fee | −$149 |
| Meeting the $3,000 minimumearns 0.57% here vs 2% on Double Cash | −$43 |
| First year | $166 |
| Each year after | +$112 |
Not counted in the first year: status and protections (each year after counts them).
Earning
| Rate | Category | Return |
|---|---|---|
| 5X | Gas Stations & EV Charging | 2.8% |
| 8X | Hotels by Wyndham | 4.6% |
| 5X | Advertising | 2.8% |
| 5X | Marketing | 2.8% |
| 1X | Everything else | 0.6% |
+ 3 more rates
| Rate | Category | Return |
|---|---|---|
| 5X | Office Supply Stores | 2.8% |
| 5X | Shipping | 2.8% |
| 5X | Vacation Club | 2.8% |
Noteworthy perks
- Wyndham Rewards Diamond
- Wholesale Club Credit$65 a year
- Software Credit$50 a year
Business card · Earns Wyndham Rewards · Authorized user fee $0
Benefits
Credits & Perks (2)
- Wholesale Club Credit: $65 (Annual Calendar Year)
$65 statement credit for wholesale membership club purchases (Costco, Sam's Club, BJ's)
- Software Credit: $50 (Annual Calendar Year)
$50 accounting software credit per year
Elite status (2)
- Wyndham Rewards: Diamond
- National Emerald Club: Executive
Protections (2)
- Extended Warranty, up to $10,000, Doubles manufacturer's warranty up to 1 additional year for warranties of 5 years or less, up to $10,000 per claim
- Cell Phone Protection, up to $600, Up to $600 per claim, $1,000 per card per 12-month period, $50 deductible, max 2 claims per year; must pay monthly cell phone bill with card; covers theft and damage (not loss); excludes damage that doesn’t interfere with calls.
Other Perks
- 15K bonus points each anniversary
- 20% discount on free night awards
- Cardmember discount on paid stays
- 15% discount when purchasing points
Sources and methodology
First-year value is Miles' estimate for a typical spender: the welcome bonus at Miles' point values, plus the rewards this card earns above the best no-annual-fee card's everyday rate on a typical year of spending, plus credits at the share a typical holder uses rather than their face value, plus any certificate or free night earned in that year, minus the first-year fee and the cost of putting the minimum spend on this card instead of that one.
Lounge access, elite status, other benefits, purchase and travel protections, and a certificate or free night that arrives on the card's anniversary are listed beside the first-year figure, not in it. Each year after counts them, with the rewards and credits, less the annual fee. A credit or benefit that needs a spend or a stay counts only where its condition is printed beside it, and credits gated on spend most people never reach are left out.
The fee, offer, earning rates, credits and protections come from the card's record in the Miles dataset, kept against the issuer's own terms. The verdict line is chosen from a fixed set of sentences by Miles' analysis of the offer and the card; nothing on this page is written by hand for one card.
Recent changes
- changed from null to credit_lineOct 11, 2026
- changed from null to Wyndham BusinessOct 8, 2026
- changed from 45K points after $1K spend in first 90 days + 55K points after spending $500 at Wyndham properties in the first 180 days to 45K points after $3K spend in first 90 days + 55K points after spending $500 at Wyndham properties in the first 180 daysAug 22, 2026
- changed from 1000 to 3000Aug 22, 2026
- changed from null to 1000Aug 13, 2026
- changed from null to 90Aug 13, 2026
- changed from 95 to 149Jul 28, 2026
Cardholders who had this card before 6/17/26 keep their original $95 annual fee, earning rates, and benefits unchanged. That includes automatic Diamond status but not Emerald Club Executive status with National, which only accounts opened on or after 6/17/26 get.