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The Points Guy believes that credit cards can transform lives, helping you leverage everyday spending for cash back or travel experiences that might otherwise be out of reach. That's why we publish a variety of editorial content and card comparisons: to help you find a great card to turn your goals into reality.
Our site may earn compensation when a customer clicks on a link, when an application is approved, or when an account is opened with our partners, and this may impact how or where these products appear. While we don't cover all available credit cards, our editorial team creates and maintains all of the analysis of these cards, and our content is not influenced nor subject to review by any credit card company, bank or partner prior to (or after) publication. Please view our advertising policy and product review methodology for more information.
Reviews
Wyndham Rewards Earner Business Card review: Strong value for frequent guests
Katie Genter is a digital nomad who has traveled full time since June 2017. She writes and edits stories about points and miles, and loyalty programs, often letting her personal experiences color these stories.
August 4, 2026 • 10 min read
WYNDHAM HOTELS & RESORTS
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Quick summary
A business rewards card offers strong value for those who frequently stay at Wyndham hotels, providing automatic top-tier elite status and a 20% discount on award nights.
Cardholders receive annual bonus points and statement credits that can offset the card’s modest annual fee.
Discounts apply to both paid and award stays, and additional perks include credits for wholesale club memberships and accounting software.
The card is best suited for small-business owners who can maximize Wyndham Rewards program benefits.
What to consider
Applicants must have a business to qualify for this card.
Existing cardholders may have a different version with varying benefits.
Award night pricing changes on September 15, introducing a new tier and affecting the number of points required per stay.
What you'll miss from the article
A detailed comparison of competing business and hotel rewards cards, plus guidance on maximizing Wyndham points and elite status benefits.
Generated by AI with support from our editorial team.
Editorial disclaimer: Opinions expressed here are the author's alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.
The Wyndham Rewards Earner® Business Card is valuable if you frequently stay at Wyndham hotels and resorts due to its perks, which include top-tier Wyndham Diamond status and a 20% discount on award nights. Plus, the 15,000 anniversary points and up to $115 in annual statement credits can readily offset the card’s $149 annual fee for cardholders who use them. Card rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The Wyndham Rewards Earner Business Card is a strong option for business owners who use the Wyndham Rewards program. Its most compelling benefits include automatic Diamond Elite status, 20% off award nights, discounts on paid stays and 8 points per dollar spent at Hotels by Wyndham.
Wyndham previously offered a different version of the Wyndham Rewards Earner Business Card with the same name but a different set of benefits and earning rates. Existing cardholders may still have that version, as they are not being automatically converted to the card currently available to new applicants. This review focuses exclusively on the current version of the card.
The Wyndham Rewards Earner Business Card is a small-business card, so you'll need a business to apply for it. Additionally, we recommend that applicants have a credit score of 670 or higher to increase their chances of approval for the Wyndham Rewards Earner Business Card.
The information for the Wyndham Rewards Earner Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wyndham Rewards Earner Business Card pros and cons
Pros
Cons
Automatic Wyndham Diamond status
Discounts on both paid and award stays
Bonus points each anniversary
Earns bonus points on purchases with Wyndham properties and select business expenses
Points offer less flexibility than transferable rewards
Only offers bonus points on purchases in a few spending categories
Wyndham Rewards Earner Business Card welcome offer
New Wyndham Rewards Earner Business cardholders can earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days of account opening. In addition, new cardholders can earn 55,000 additional bonus points after spending $500 at Hotels by Wyndham in the first 180 days of account opening. That's a total of 100,000 bonus points, which are worth $700 based on TPG's August 2026 valuations.
Award nights in the Wyndham Rewards program currently cost 7,500, 15,000 or 30,000 points per room (before the cardmember discount). But, starting Sept. 15, award nights will cost 5,000, 15,000, 30,000 or 45,000 points per room (once again, before the cardmember discount). So, with 100,000 points, you could get between two and 25 free nights after you account for the 20% cardmember discount.
Wyndham Rewards Earner Business Card benefits
As with many hotel credit cards, the Wyndham Rewards Earner Business Card offers travelers a variety of useful perks. Here's a look at the perks you can expect from this card.
Wyndham Diamond status
Cardholders get automatic Wyndham Diamond status as a benefit of the Wyndham Rewards Earner Business. As a Wyndham Diamond member, you're eligible for suite upgrades, early check-in, late checkout and a welcome amenity at check-in.
The Mining Exchange, a Registry Collection Hotel. WYNDHAM HOTELS & RESORTS
However, many Wyndham Diamond perks (such as suite upgrades and late checkout) are available only upon request and subject to availability. Compared to other top-tier hotel elite statuses, the on-site perks of Wyndham Diamond status are relatively weak.
Discounts on Wyndham stays
One of the most useful perks of the Wyndham Rewards Earner Business is the discounts it offers on paid and award stays. Cardholders can get a booking discount on paid stays at participating Wyndham hotels. The discount is good enough that it's almost always the rate I book.
WYNDHAMHOTELS
Cardmembers also receive a 20% discount when redeeming Wyndham points for free night awards. If you frequently stay with Wyndham, these discounts can save you serious points or cash on stays.
Annual points bonus
Wyndham Rewards Earner Business cardmembers get 15,000 bonus points each anniversary after paying the card's annual fee. This bonus is worth $105 based on TPG's valuations.
Under the current award chart, this is enough for two nights at properties that charge 7,500 points per night, since cardholders pay 6,000 points per night after the discount. Once Wyndham’s new award chart takes effect Sept. 15, the anniversary points will be enough for three nights at properties in the new 5,000-point tier, which will cost cardholders 4,000 points per night.
Wholesale membership club and accounting software credits
Wyndham Rewards Earner Business cardmembers also enjoy a $65 statement credit each calendar year for eligible wholesale membership club purchases and up to $50 in statement credits each calendar year for eligible accounting software purchases.
THOMAS BARWICK/GETTY IMAGES
Membership fees and renewal fees qualify for the wholesale membership club credit. However, qualifying transactions for both credits are based on merchant category codes; there are no lists of qualifying merchants.
Other useful benefits
Claim National Emerald Club Executive status
Get a 15% discount when you buy at least 3,000 Wyndham points with your card (not combinable with other buy points offers)
Earning points on the Wyndham Rewards Earner Business Card
When you use the Wyndham Rewards Earner Business Card for purchases, you'll earn points as follows:
8 points per dollar spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham travel bundles
5 points per dollar spent on eligible vacation club, gas, electric vehicle charging, marketing, advertising, office supply store and shipping purchases
1 point per dollar spent on other purchases, excluding Vacation Club down payments
By adding complementary employee cards to your account, you can earn points on purchases made by your employees on these cards.
Redeeming points on the Wyndham Rewards Earner Business Card
You'll find many ways to redeem Wyndham points, but you'll get the most value when you redeem the points you earn with the Wyndham Rewards Earner Business Card for stays.
As mentioned above, Wyndham Rewards currently uses a three-tier award chart that prices award nights at 7,500, 15,000 or 30,000 points before the cardmember discount. But, on Sept. 15, the program will switch to a four-tier award chart with nights costing 5,000, 15,000, 30,000 or 45,000 points before the cardmember discount.
SUPER 8 BY WYNDHAM/FACEBOOK
Due to the scaling, I usually get the most value when I find high-value award nights costing 7,500 or 15,000 points before the cardmember discount. For example, I recently stayed in São Paulo, Brazil, at a property that cost 7,500 points per night before the cardmember discount.
I've also recently stayed in Copenhagen, Denmark; Adelaide, Australia; and Vancouver, British Columbia at properties that cost 15,000 points per night before the cardmember discount.
However, keep in mind that you must have enough points in your account to cover the full cost before the cardmember discount when booking online. If you don't have enough points to cover the cost without the discount, but have enough to book with the cardmember discount, you can call Wyndham Rewards customer service to book.
The card also offers Points Payback, which lets you redeem Wyndham points for statement credits against eligible purchases. However, you’ll typically get better value by redeeming your points for Wyndham stays.
Transferring points on the Wyndham Rewards Earner Business Card
Wyndham Rewards has several airline transfer partners, but I don't recommend using this method over redeeming your Wyndham points for stays, as the transfer rates are terrible. The only exception is if you need to top off your airline loyalty account for an upcoming award flight.
You can also transfer Wyndham points to Caesars Rewards Reward Credits at a 1:1 ratio. I've done so in the past to prevent my Wyndham points from expiring, but I wouldn't recommend this method unless you also know and use the Caesars Rewards program and believe doing so will provide good value.
Which cards compete with the Wyndham Rewards Earner Business Card?
Depending on the primary reason you're considering the Wyndham Rewards Earner Business Card, different cards will compete with it. But the following three cards are likely the closest competitors to the Wyndham Rewards Earner Business Card:
If you want a consumer Wyndham card: The Wyndham Rewards Earner® Card has no annual fee and offers a 10% discount on free night awards, Wyndham Gold status, access to the cardmember booking discount for paid stays and no foreign transaction fees.
If you want a consumer Wyndham card with more benefits: The Wyndham Rewards Earner® Premier Card has a $395 annual fee, but offers a complimentary subscription to Wyndham Rewards Insider, Wyndham Diamond status, a 25% discount on free night awards, 30,000 bonus points each account anniversary, a free night worth up to 30,000 Wyndham points after booking and completing at least five paid nights per calendar year and hundreds of dollars worth of statement credits.
If you want a more versatile business card: has no annual fee (see rates and fees), yet it offers 2 points per dollar spent on purchases (on the first $50,000 in purchases per year, 1 point per dollar spent thereafter).
The information for the Wyndham Rewards Earner Card and the Wyndham Rewards Earner Premier Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Is the Wyndham Rewards Earner Business Card worth it?
The Wyndham Rewards Earner Business Card is worth it if you value earning Wyndham points on purchases, and would benefit from getting automatic top-tier Wyndham Diamond status and discounts on Wyndham stays. The card offers 15,000 bonus points each year once you pay the annual fee, plus statement credits for qualifying wholesale membership club and accounting software purchases, which can provide significantly more value than the card’s annual fee.
Bottom line
The Wyndham Rewards Earner Business Card offers an appealing collection of benefits for business owners who regularly stay with Wyndham. Its most valuable perks include automatic Wyndham Diamond status, cardmember discounts on paid stays and a 20% discount on award stays.
Combined with the 15,000 anniversary points and up to $115 in annual statement credits, these benefits can make the card worth keeping long-term despite its $149 annual fee.
