Wyndham Rewards Earner® Business Card Review

Overview

The Wyndham Rewards Earner® Business Card is a category rewards card from Barclays, running on the Visa network. The Wyndham Rewards Earner® Business Card earns up to 5x on office supplies, advertising, and shipping, so it pays you the most exactly where you already spend. It carries a $149 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn 100,000 points after $3,000 in 3 months.

It lands in the mid tier: a modest annual fee in exchange for stronger earn rates and a meaningful welcome offer. The right call depends on whether your spending and the perks clear that fee each year.

Our 4.5 out of 5 rating

Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.

Rewards: how it earns

Where the Wyndham Rewards Earner® Business Card earns its rewards is its bonus categories: 5% back on office supplies (about $150 a year on the $3,000 a business typically spends there), 5% back on advertising (about $480 a year on the $9,600 a business typically spends there), and 5% back on shipping (about $180 a year on the $3,600 a business typically spends there). Across a full year of business spending, the card returns roughly $1,170 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.

Brand and bonus rates: beyond the everyday categories above, this card also earns:

• 8x points at Hotels by Wyndham

The fine print on rates: Earns 8x at Hotels by Wyndham; the calculator reflects the non-hotel categories.

Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.

Pros and cons

The welcome bonus

The current welcome offer is 100,000 points, earned after you spend $3,000 in 3 months. Valued honestly at a flat 1 cent per point, that is worth about $1,000. The spending requirement works out to roughly $1,000 per month, so make sure it fits your normal budget rather than pushing you to overspend. Stacking the welcome offer on top of a typical year of rewards and accounting for the $149 annual fee, the first year is worth roughly $2,021.

Is the annual fee worth it?

To come out ahead on the Wyndham Rewards Earner® Business Card you need to clear its $149 annual fee, and it leans on rewards rather than credits to get there. On typical spending it earns about $1,170 a year. For anyone who spends in its categories, the fee is easy to justify.

Benefits and protections

Beyond the rewards, the perks and protections worth knowing about include:

• Automatic Wyndham Rewards Diamond status
• 15,000 anniversary points each year
• Redeem 20% fewer points for award nights

Statement credits

This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.

Who should get it, and who should skip it

It is best for regular guests of this hotel brand who will use the free anniversary night and elite status to more than cover the annual fee.

Skip it if you are not loyal to this brand. The rewards lose value the moment your travel plans point somewhere else.

Frequently asked questions

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