Wyndham Rewards Earner Business Card review: The easy way to elite status
Editor's Note
Wyndham Rewards Earner Business Card overview
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
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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.
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.
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 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.
Other useful benefits
- Access to the Visa SavingsEdge program
- Extended warranty protection on purchases
- No foreign transaction fees on purchases
- Complimentary employee cards
Earning points on the Wyndham Earner Business Card
When you use the Wyndham Earner Business Card for purchases, you'll earn points as follows:
- 8 points per dollar spent at participating Wyndham properties and on qualifying gas purchases
- 5 points per dollar spent on eligible marketing, advertising and utility purchases
- 1 point per dollar spent on other purchases, excluding Wyndham Timeshare resort down payments
By adding complimentary employee cards to your account, you can earn points on purchases made by your employees on these cards.
Related: How to earn Wyndham points for your next redemption
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.
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.
Related: Getting started with points, miles and credit cards to travel
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 Chase Ink Business Preferred® Credit Card (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.
Related: How to choose a hotel credit card
Is the Wyndham Earner Business Card worth it?
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.
Related: How to get a business credit card
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
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- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.