My Take on the Wyndham Rewards Earner Business Card (Early 2025): A Businesses Card with Top-Tier Status and Great Earning Opportunites

Introduction

The Wyndham Rewards Earner® Business Card stands out as a compelling option for business owners who frequently travel, especially those who find themselves filling up at gas stations, staying at Wyndham properties, or spending on advertising and utilities. Unlike many other business credit cards that focus heavily on broad travel rewards or cash back, this card offers an impressively high earning rate on select business categories while also granting automatic Wyndham Diamond status—a perk typically reserved for the most loyal Wyndham guests.

Designed primarily for small business owners, entrepreneurs, and road warriors, this card provides a simple yet lucrative way to rack up Wyndham points quickly. If your business expenses align with its 8X and 5X earning categories, and you regularly stay at Wyndham hotels or redeem through their valuable Vacasa vacation rental partnership, the potential savings and perks could outweigh its $95 annual fee.

What makes this card particularly attractive is its strong rewards structure combined with elite status perks and an annual bonus that offsets the cost of the card. It doesn’t try to be a one-size-fits-all travel card; instead, it excels in specific areas, making it a powerhouse for the right type of business owner. But does it deserve a spot in your wallet? Let’s break down what makes this card worth considering.

Key Perks That Make This Card Attractive

Strong Earning Potential on Business and Travel Expenses

The Wyndham Rewards Earner Business Card delivers some of the highest earning rates for gas and Wyndham hotel purchases, making it a lucrative option for those who drive frequently for work or stay at Wyndham properties. The card’s 8X points per dollar on gas and Wyndham purchases is one of the most rewarding gas categories in the entire business credit card market. For business owners with fleet vehicles, frequent road trips, or heavy travel schedules, this alone can generate a substantial number of points over time. Considering Wyndham’s partnership with Vacasa vacation rentals, this high earning rate translates directly into free stays, making gas spending more rewarding than ever.

Beyond gas and hotels, the card also offers 5X points per dollar on marketing, advertising, and utilities, a rare combination that benefits business owners who run online campaigns or have significant overhead costs for electricity, phone, and internet services. Whether you’re spending on Google Ads, Facebook marketing, or business software subscriptions, these expenses can accumulate quickly, and this elevated earning rate ensures that your necessary business costs contribute to future travel rewards.

For all other purchases, the card earns 1X point per dollar, which is standard but uninspiring. While the base rate isn’t particularly strong, it’s not the primary reason to get this card. If your goal is to maximize non-category spending, pairing this with a card like the Capital One Spark Miles or Chase Ink Unlimited could be a smarter move.

Overall, the Wyndham Rewards Earner Business Card shines in its ability to supercharge point earnings for specific business expenses that align with frequent travel and everyday operations. If you spend heavily in its high-value bonus categories, the rewards can add up quickly, making this card a standout choice in the business travel credit card space.

Valuable Welcome Bonus

One of the most appealing aspects of the Wyndham Rewards Earner Business Card is its generous welcome bonus. New cardholders can earn 45,000 Wyndham Rewards points after spending just $1,000 in the first three months—a low spending threshold compared to many other business credit cards. This makes it an easily attainable bonus, even for small business owners with moderate expenses.

But what exactly does 45,000 Wyndham points get you? Wyndham’s award chart remains relatively simple, with three tiers for free nights: 7,500, 15,000, and 30,000 points per night. With this bonus alone, you could get:

• Up to six free nights at Wyndham’s lowest-tier hotels, which include budget-friendly brands like Days Inn, Super 8, and Travelodge.

• Three free nights at mid-tier properties, such as La Quinta or Wyndham Garden locations.

• One to two nights at top-tier Wyndham resorts and upscale hotels.

• Up to three nights at a Vacasa vacation rental, which costs 15,000 points per bedroom per night.

For road warriors, six free nights at budget-friendly hotels could provide significant value on business trips. On the other hand, if you’re looking for a more luxurious redemption, using the bonus for a two-night Vacasa rental stay in a high-demand location like Hawaii or Colorado could yield hundreds of dollars in value. Compared to other business credit card bonuses in the same annual fee range, this is a strong offer, particularly for those who can maximize Wyndham’s hotel and vacation rental network.

Wyndham Diamond Status: A Big Perk for Frequent Hotel Stays

One of the biggest standout features of the Wyndham Rewards Earner Business Card is its automatic Wyndham Diamond status. Most hotel credit cards only offer mid-tier elite status, but this card goes all the way to the top—giving cardholders access to Wyndham’s highest elite level without needing to meet any stay requirements.

Diamond status comes with several valuable perks, including suite upgrades (when available), early check-in, late checkout, and enhanced point earnings on Wyndham stays. Business travelers who frequently stay at Wyndham properties can get an elevated hotel experience, with a better chance of securing more comfortable accommodations and extra flexibility during their trips.

Beyond upgrades and flexible check-in/check-out times, Diamond status also increases the points earning rate on paid stays, providing a 20% bonus on Wyndham Rewards points compared to Blue-level members. This means that when you book a Wyndham property with cash, you’ll rack up even more points for future free stays.

Compared to elite tiers in other hotel loyalty programs, Wyndham Diamond status is somewhat unique in its accessibility. Many hotel chains—such as Hilton, Marriott, and Hyatt—require dozens of nights per year or significant spending to reach their top-tier status. With this card, however, you get instant top-tier perks with no stay requirement, making it one of the easiest paths to high-level hotel benefits in the industry.

For business owners who regularly stay at Wyndham hotels, having automatic Diamond status removes the hassle of chasing elite status through stays while still delivering benefits that enhance every trip. Whether it’s a free suite upgrade on a work trip or extra flexibility with check-in and checkout times, this feature adds significant value to the card—especially considering its low $95 annual fee.

Annual Bonus That Offsets the Fee

One of the standout features of the Wyndham Rewards Earner Business Card is its 15,000-point anniversary bonus, awarded each year just for keeping the card open. This benefit alone goes a long way in offsetting the card’s $95 annual fee, making it a highly sustainable option for business owners who stay at Wyndham properties even occasionally.

To put this into perspective, 15,000 Wyndham points is enough for:

• One free night at a mid-tier Wyndham hotel (such as La Quinta, Wyndham Garden, or certain Ramada locations).

• Two nights at economy brands like Days Inn or Super 8 (7,500 points per night).

• One free bedroom for a night at a Vacasa vacation rental, which costs 15,000 points per bedroom per night.

Considering Frequent Miler values Wyndham points at 1.01 cents each, this anniversary bonus is effectively worth around $150, more than covering the card’s annual fee in pure redemption value. Whether you redeem it for a business trip, a family getaway, or a personal vacation, the annual bonus ensures that cardholders receive ongoing value year after year.

10% Award Night Discount

Another significant perk of the Wyndham Rewards Earner Business Card is the 10% points rebate on award stays, meaning that every time you book a free night with points, you’ll get 10% of those points refunded back into your account.

For frequent Wyndham travelers, this discount adds up quickly. Here’s how it works in practice:

• A mid-tier hotel costing 15,000 points per night actually costs only 13,500 points after the rebate.

• A five-night stay at a 15,000-point property, which would normally require 75,000 points, instead costs only 67,500 points after the 10% rebate—essentially getting you half of an extra night for free.

• If you redeem 90,000 points over the course of the year, you’ll get 9,000 points back, which is more than halfway to another free night at a 7,500-point property.

This feature is especially useful for those who regularly redeem Wyndham points, as it stretches their balance further and maximizes the value of their redemptions.

Additional Card Benefits That Add Value

Beyond its strong earning rates and elite status perks, the Wyndham Rewards Earner Business Card includes a handful of valuable protections and benefits that enhance its appeal for business owners.

Cell Phone Protection (Up to $600 Coverage)

This card includes cell phone protection, covering up to $600 per claim (with a $100 deductible) in case of damage or theft. Unlike many premium credit cards that require high annual fees to access this type of protection, the Wyndham Business Card offers it as a built-in perk, making it an excellent option for business owners who rely on their phones for work.

No Foreign Transaction Fees

For business owners who travel internationally, the absence of foreign transaction fees is a major plus. Many credit cards charge 3% per transaction on purchases made outside the U.S., which can quickly add up. With this card, you can use it abroad without worrying about extra fees, making it a viable choice for international business trips.

Free Employee Cards to Maximize Points Earning

The Wyndham Rewards Earner Business Card allows you to issue employee cards at no additional cost, which can be a game-changer for business owners who have multiple team members making purchases. Employee cards earn rewards at the same rates as the primary cardholder, meaning you can quickly rack up points on gas, marketing expenses, and utilities while keeping all spending consolidated under one account.

Gold Status Gifting – Perks for Friends or Employees

As a Wyndham Diamond member, you’ll have the ability to gift Gold status to a friend, family member, or employee once per year. While Gold status doesn’t come with the same perks as Diamond, it does offer preferred rooms, late checkout, and bonus points on stays—making it a nice extra benefit to share with someone who travels regularly.

Visa SavingsEdge Discounts for Business Purchases

Since this card is a Visa Business card, cardholders get access to Visa SavingsEdge, a program that offers automatic discounts on eligible business purchases at select merchants. These discounts apply to categories like office supplies, travel, dining, and business services, allowing business owners to save money on everyday expenses while still earning rewards.

While none of these perks on their own are groundbreaking, together they create a well-rounded package of travel benefits, business-friendly protections, and savings opportunities that further enhance the overall value of the Wyndham Rewards Earner Business Card.

The Downsides: Where This Card Falls Short

While the Wyndham Rewards Earner Business Card offers strong earning potential and valuable perks, it does have some drawbacks that could make it less appealing depending on your travel and business spending habits.

Annual Fee: Justified or Not?

The card comes with a $95 annual fee, which isn’t unreasonable given the 15,000-point anniversary bonus and automatic Wyndham Diamond status. However, for business owners who don’t frequently stay at Wyndham properties, it may be harder to justify keeping this card year after year.

If you maximize the bonus categories—especially the 8X points on gas—you’ll likely earn enough rewards to make the fee worthwhile. But if you’re a casual Wyndham traveler who only redeems points occasionally, the fee might outweigh the benefits.

Intro APR is Limited in Scope

Unlike some other business credit cards that offer 0% intro APR on purchases or balance transfers, the Wyndham Rewards Earner Business Card has a very limited 0% APR offer.

• The 0% APR only applies to Wyndham timeshare purchases and lasts for just six billing cycles.

• There is no intro APR for regular purchases or balance transfers, meaning this card isn’t ideal if you’re looking for a way to finance large business expenses over time.

For business owners who need a longer interest-free period, a different card—such as the Ink Business Cash or American Express Blue Business Plus—might be a better choice.

Points Have Limited Value Outside of Wyndham

One of the biggest drawbacks of Wyndham Rewards points is their limited flexibility compared to other major hotel programs.

• No strong transfer partners: Unlike Chase Ultimate Rewards or American Express Membership Rewards, Wyndham points don’t transfer to airline programs at a favorable rate.

• Limited luxury options: While Wyndham has 9,000+ properties worldwide, it lacks the high-end footprint of competitors like Marriott, Hilton, or Hyatt. Travelers looking for aspirational, luxury stays may find Wyndham’s offerings underwhelming.

That said, Wyndham points can still provide great value for mid-tier and budget travelers, particularly through Vacasa vacation rentals and Go Fast award stays (points + cash redemptions).

A Closer Look at the Best Redemption Opportunities

Despite its limitations, the Wyndham Rewards Earner Business Card still offers strong redemption potential—especially for business owners who maximize gas spending and take advantage of Wyndham’s partnership with Vacasa.

Maximizing Gas Spending for Free Nights

With its 8X earning rate on gas purchases, this card is one of the best business credit cards for gas expenses. For business owners who drive frequently—whether for client meetings, deliveries, or road trips—this can translate into rapid point accumulation.

• For every $1,700 spent on gas, you’ll earn 13,600 Wyndham points—which is nearly enough for a free one-bedroom Vacasa rental or a mid-tier Wyndham hotel stay.

• If you spend $500 per month on gas, you’ll accumulate 48,000 points per year, enough for at least three free nights at mid-tier hotels or multiple Vacasa stays.

If gas is a major business expense, this card can quickly pay for itself in free hotel nights or vacation rentals.

Leveraging the Wyndham-Vacasa Partnership for High-Value Redemptions

One of the best ways to maximize Wyndham points is by redeeming them for Vacasa vacation rentals, which offer outsized value compared to standard Wyndham hotel stays.

• Vacasa properties can be booked at 15,000 points per bedroom per night—a straightforward pricing model that makes it easy to determine redemption costs.

• Many Vacasa rentals—especially in high-demand vacation destinations—would otherwise cost hundreds of dollars per night, making this a high-value redemption.

• Unlike many hotel loyalty programs, Vacasa redemptions include taxes and fees, eliminating hidden costs and making your points stretch further.

For business owners who frequently travel for work but also want to use points for family vacations, Vacasa’s extensive selection of homes, condos, and beachfront properties makes Wyndham Rewards far more compelling.

While Wyndham’s luxury footprint may not match Marriott or Hyatt, the ability to book high-end vacation rentals through Vacasa creates unique redemption opportunities that set this card apart from other hotel-branded business credit cards.

Who Should Get the Wyndham Rewards Earner Business Card?

Ideal Cardholders

This card isn’t for everyone, but for the right type of business owner, it can be an extremely rewarding addition to a travel rewards strategy. The Wyndham Rewards Earner Business Card is best suited for:

• Business owners with high gas and business expenses – With 8X points on gas and 5X on marketing, advertising, and utilities, those who spend heavily in these categories can rack up Wyndham points quickly.

• Frequent Wyndham guests who can maximize Diamond status – If you regularly stay at Wyndham properties, the free suite upgrades, late checkout, and enhanced earnings from Diamond status can significantly boost your travel experience.

• Those who value Vacasa vacation rentals – If you prefer home-style accommodations over traditional hotels, the Wyndham-Vacasa partnership provides exceptional redemption value with 15,000 points per bedroom per night and no extra taxes or fees.

Who Should Skip This Card?

Despite its strong perks, this card won’t be the right fit for every business owner. You may want to look elsewhere if:

• You prefer a more flexible travel rewards program – Wyndham points don’t transfer to other programs at strong rates, making this card a poor choice for those who want airline miles or other hotel points.

• You’re looking for strong intro APR offers – With no 0% APR on regular purchases or balance transfers, this card isn’t ideal for financing large business expenses over time.

• You’re a luxury traveler – While Wyndham offers some upscale properties, it lacks the premium footprint of Marriott, Hyatt, or Hilton, making it less appealing for those who prioritize high-end hotel stays.

Final Thoughts: Is the Wyndham Rewards Earner Business Card Worth It in 2025?

The Wyndham Rewards Earner Business Card is a powerful tool for business owners who spend heavily on gas and Wyndham stays, but it’s not a one-size-fits-all solution. The combination of 8X points on gas, a valuable welcome bonus, automatic Diamond status, and access to Vacasa vacation rentals makes it one of the best business cards for Wyndham loyalists.

To maximize this card, the best strategies include:

• Using it for all gas, marketing, and utility expenses to quickly earn rewards.

• Taking advantage of Wyndham Diamond status for suite upgrades, late checkout, and bonus earnings.

• Redeeming points strategically, especially for Vacasa vacation rentals, where you can often get outsized value compared to standard hotel stays.

• Pairing this card with a more flexible business rewards card—like the Chase Ink Business Preferred or Amex Business Platinum—to earn transferable points alongside Wyndham Rewards.

If your business spending habits align with the earning categories and you can consistently redeem Wyndham points for high-value stays, this card can more than justify its $95 annual fee. However, if you need more flexible points or prefer luxury properties, you might be better off with a different business travel card.

FAQ: Common Questions About the Wyndham Rewards Earner Business Card

Can I get this card if I’m a sole proprietor?

Yes! You don’t need to own a large business to qualify. If you have a side hustle, freelance gig, or small business, you can apply as a sole proprietor using your Social Security Number (SSN) instead of an Employer Identification Number (EIN).

How do I redeem Wyndham points for Vacasa vacation rentals?

You’ll need to call Wyndham Rewards at 1-866-996-7937 to book Vacasa rentals. Each rental costs 15,000 points per bedroom per night, and taxes and fees are included, making this an excellent way to maximize your points.

Does this card impact my personal credit score?

Yes, while this is a business card, Barclays does report the account to your personal credit if you miss payments. However, regular on-time payments typically don’t appear on your personal credit report, helping to keep your personal and business credit separate.

Is the 10% award night discount automatic?

Yes! When you redeem Wyndham points for a Go Free award night, you’ll automatically receive 10% of your points back, typically within a few days after your stay.

What happens if I cancel my card—do I lose my Diamond status?

Yes. The automatic Diamond status is a benefit of holding the card, so if you cancel, you’ll lose suite upgrades, late checkout, and enhanced earnings. However, any Wyndham points you’ve already earned remain in your account as long as you keep your Wyndham Rewards membership active.

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