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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: The easy way to elite status
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.
March 21, 2025 • 9 min read
WYNDHAM HOTELS & RESORTS
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Quick summary
A business rewards card tailored for frequent guests of a major hotel group offers automatic top-tier elite status and a 10% discount on award nights.
Cardholders receive an annual bonus of 15,000 points, which can be redeemed for stays and is valued above the card's modest annual fee per TPG's March 2025 valuations.
The card provides additional benefits such as discounts on paid stays, access to a merchant savings program, extended warranty protection and no foreign transaction fees.
Points are best redeemed for hotel stays, with less favorable value when transferred to airline partners.
What to consider
Applicants must have a business, but nontraditional businesses may qualify; a credit score of 670 or higher is recommended for approval.
Cardholders receive 15,000 bonus points each anniversary, valued at $165 as of March 2025 per TPG's valuations, which can offset the annual fee.
Bonus points are awarded in select spending categories and points can only be redeemed through the associated hotel loyalty program.
What you'll miss from the article
A detailed comparison of similar business and consumer hotel rewards cards, including how their benefits and annual fees stack up.
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 10% discount off award nights. Plus, the 15,000 bonus points you get each anniversary year should offer more value than the card's $95 annual fee. Card Rating*: ⭐⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The Wyndham Earner Business Card is easily the best Wyndham Rewards card. I applied for this card primarily because of its automatic Diamond Elite status, 10% award night discount and healthy 8 points per dollar spent at Hotels by Wyndham and on gas.
I plan to keep the Wyndham Earner Business Card long-term. In addition to the valuable perks mentioned above, this card offers 15,000 bonus points on each account anniversary. I can easily redeem these points for more than the card's $95 annual fee, so it makes sense to continue paying for it each year.
The Wyndham Earner Business Card is a small-business card, so you'll need a business to apply. However, some types of nontraditional small businesses may count.
We recommend applicants have a credit score of 670 or higher to increase their chances of being approved for the Wyndham Earner Business Card.
The information for the Wyndham 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 Earner Business Card pros and cons
Pros
Cons
Automatic Wyndham Diamond status
Discount on award stays
Bonus points each anniversary
Earns bonus points on purchases with Wyndham properties, on gas and select business expenses
Points can only be redeemed through Wyndham Rewards
Only offers bonus points on purchases in a few spending categories
Wyndham Earner Business Card welcome offer
New Wyndham Earner Business cardholders can earn 50,000 bonus points after spending $4,000 on purchases and paying the annual fee in full, both within the first 90 days. In addition, new cardholders can earn 25,000 additional bonus points after spending $12,000 on purchases within the first 365 days. That's a total of 75,000 bonus points.
The standard offer for this card is around 50,000 points, so now is an excellent time to apply.
Based on TPG's March 2025 valuations, this welcome offer is worth up to $825.
THE POINTS GUY
Award nights in the Wyndham Rewards program cost 7,500, 15,000 or 30,000 points per room, although Wyndham Earner Business cardmembers get a 10% discount.
Consider Barclays credit card application restrictions before applying, though. If you've held the Wyndham Earner Business Card in the past, you'll usually need to wait at least six months after you cancel your card before applying for a new one.
Barclays may be inquiry-sensitive, so we recommend being under six inquiries over the past 24 months.
Barclays may also look at your recent spending activity on its cards, so you may want to use any other Barclays cards you have more frequently for at least a few months before applying for a new card.
Wyndham Earner Business Card benefits
As with many hotel credit cards, the Wyndham 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 Earner Business Card. As a Wyndham Diamond member, you'll get suite upgrades, early check-in, late checkout and a welcome amenity at check-in.
However, many Wyndham Diamond perks (such as suite upgrades and late checkout) are only given upon request and are subject to availability at check-in.
One of the most useful perks of the Wyndham Earner Business Card is discounts when booking paid and award stays. Cardmembers can get a booking discount on paid stays at participating Wyndham hotels.
Cardmembers also get a 10% discount when redeeming Wyndham points for Go Free award nights, which are nights booked fully with Wyndham points.
If you frequently stay with Wyndham, these discounts can save you serious points or cash on stays.
Annual points bonus
Wyndham Earner Business cardmembers get 15,000 bonus points each anniversary, which is enough for two nights at properties that charge 7,500 points per night (discounted to 6,750 points per night for cardmembers). This bonus is worth $165 based on TPG's March 2025 valuations.
As such, the annual points bonus alone provides more value than the cost of the card's $95 annual fee.
Redeeming points on the Wyndham 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 Earner Business Card for stays.
As mentioned above, Wyndham Rewards uses a three-tier award chart that prices award nights at 7,500 points, 15,000 points or 30,000 points before the cardmember discount.
Due to the scaling, I usually get the most value when I find high-value award nights costing 7,500 points before the cardmember discount. For example, I redeemed 7,500 points each for several nights in South Korea, including on the beautiful island of Jeju, before I added the Wyndham Earner Business Card to my wallet.
WYNDHAM
However, you may also get high value on some 15,000-point award nights. For example, I've redeemed 15,000 points per night to stay at the Club Wyndham at Waikiki Beach Walk in Hawaii on two occasions.
You can also book Vacasa properties with an average cost of $250 or less per bedroom per night for 15,000 points per bedroom per night before the cardmember discount.
Transferring points on the Wyndham Earner Business Card
Wyndham Rewards has eight airline transfer partners. I don't recommend going with 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.
Which cards compete with the Wyndham Earner Business Card?
Depending on the primary reason you're considering the Wyndham Earner Business Card, different cards — including some of the best cards for gas and hotel cards — will compete with it. But the following three cards are likely the closest competitors to the Wyndham Earner Business Card:
If you want a consumer Wyndham card: With the Wyndham Rewards Earner® Card, cardmembers earn bonus points on Wyndham bookings, gas, dining and grocery stores, automatic Wyndham Gold status and discounts on Wyndham stays. This card carries no annual fee. To learn more, check out our full review of the Wyndham Rewards Earner card.
If you want a consumer Wyndham card with more benefits: The Wyndham Rewards Earner® Plus Card earns bonus points on Wyndham bookings, gas, dining and grocery stores. Plus, cardholders receive automatic Wyndham Platinum status, discounts on Wyndham stays and 7,500 bonus points each account anniversary. The card has a $75 annual fee. To learn more, check out our full review of the Wyndham Earner Plus.
If you're a fan of Chase: The (see rates and fees) earns bonus points on travel and select business expenditures (on the first $150,000 spent in combined purchases, then 1 point per dollar). Cardholders will also receive travel and purchase protections. The Ink Business Preferred has a $95 annual fee. To learn more, check out our full review of the Ink Business Preferred.
For additional options, check out our picks for the best hotel cards.
The Wyndham 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. The card offers 15,000 bonus points on each cardmember anniversary, which should provide significantly more value than the card's annual fee and be a good incentive to keep the card long-term.
Bottom line
I love the benefits of the Wyndham Earner Business Card. The two benefits I enjoy the most are automatic Wyndham Diamond status and a 10% discount when booking award-night stays.
Assuming the card's benefits don't change for the worse, I plan to keep my Wyndham Earner Business Card for many years. After all, I'll happily take 15,000 Wyndham points each year — and all of the card's other perks — in exchange for paying the card's $95 annual fee.
