Posted by William Charles on May 11, 2015
Credit Cards

Published on May 11th, 2015 | by William Charles

15

Wyndham Rewards Credit Card Review – No Annual Fee & Annual Fee Cards

Wyndham Rewards has just released a new rewards program where all of their hotels can be booked for 15,000 points per night (tier 9 hotels used to cost as much as 50,000 points per night). There are no black out dates and no inventory held back, meaning if a room is available for a paid booking it is available for an award booking (Dolce properties are currently excluded but will be included sometime this year, Planet Hollywood properties are also excluded and will not be included anytime soon).

Because this change went into effect today, we’re having another look at the Wyndham credit cards in this review series. These cards are issued by Barclaycard and there are two different cards: an annual fee card ($69) and a non annual fee card. The best sign up bonuses for these cards can be viewed by clicking here.

 

As you can see these sign up bonuses are slightly higher than they usually are (normally 30,000 & 12,000 points respectively). Let’s have a look at each card in a bit more depth.

wyndham rewards

Wyndham Rewards Visa Signature $69 Annual Fee Card

Overview

This is the premium card out of the two, here are the main selling points:

  • Sign up bonus of 45,000 points, broken down as follows:
    • 30,000 points after first purchase
    • 15,000 points after you make $1,000 or more in qualifying purchases within 90 days of account opening
  • Card earns at the following rates:
    • 5x points per $1 spent on stays within the Wyndham portfolio
    • 2x points per $1 everywhere else
  • Anniversary bonus of 15,000 points
  • Annual fee of $69 (not waived the first year)
  • Standard Visa Signature benefits

This sign up bonus would be enough for three nights at any Wyndham portfolio property. The downside is obviously that the annual fee is not waived in the first year. The upside is that it comes with an anniversary bonus of 15,000 points which is enough for a free night at any Wyndham property. We will discuss a little later if it makes sense to put regular spending on this card or not.

This is the highest the sign up bonus has ever been on this card before (there have been offers of 45k points for same spend requirement, but anniversary bonus was only 5,500 points).

Wyndham Rewards Visa Signature No Annual Fee Card

Overview

  • Sign up bonus of 30,000 points broken down as follows:
    • 15,000 points after your first purchase
    • 15,000 points after you spend $1,000 or more within 90 days of account opening
  • Card earns at the following rate:
    • 3x points per $1 spent on stays within the Wyndham portfolio
    • 2x points per $1 everywhere else
  • No annual fee
  • No anniversary bonus
  • Standard Visa Signature benefits

Obviously the differences between this card and the annual fee card is the sign up bonus, annual fee, anniversary bonus and it earns at a slightly higher rate at Wyndham properties.

2x Everywhere

Because we know that all properties can be booked for 15,000 points per night, the math is pretty simple. For every $7,500 in spend you’ll receive a free night at a Wyndham property. To see if this makes sense we’d need to have a look at what you’d earn if you put this spend on another card, let’s have a look at how much you’d earn if you put this spend on different cash back cards:

  • $7,500 in spend on a 1% cash back card would earn you $75
  • $7,500 in spend on a 2% cash back card would earn you $150
  • $7,500 in spend on a 3% cash back card would earn you $225

You should be getting a bare minimum of 2% cash back on all your purchases, so you need to get more than $150 in value per booked room for it to make sense to put any everyday spending on these cards. It’s definitely possible to find some Wyndham properties that go for more than $150 or even $225 a night so this could make sense for some of you.

Application Information

Because these cards are quite similar and there aren’t a lot of data points, I’m going to combine this section into one for both cards.

What Credit Score Is Required

 Credit BoardsCredit Karma
Lowest approved score711N/A
Average approved score728N/A


Common Reasons For Denial:

  • Not enough existing spend on current Barclaycard credit cards
  • Bankrupcty on file

What Credit Bureau Does Barclaycard Pull For The Wyndham Rewards Cards?

Barclaycard almost always pulls TransUnion exclusively. In some very rare cases they will pull Experian or Equifax instead.

What Credit Limit Will I Receive?

Note this was only based on three data points.

Minimum Reported Credit LimitHighest Reported Credit LimitAverage Credit Limit
$1,900.00$4,500.00$2,800.00

Final Thoughts

This new rewards program has made these new cards a lot more attractive to me. Three nights at any Wyndham property seems like a pretty decent deal for $69 and $1,000 in spending, but I doubt I’d use the card for ongoing spend as I’d rather stay at a non chain hotel for $150 or less.

I wish the annual fee card earned at 3x on all other purchases, as that might make putting on going spend on the card worth it. Given that the anniversary bonus is now 15,000 points, I think keeping this card long term makes sense. You get a free night at any Wyndham property and only have to pay an annual fee of $69.

The only downside to these cards is that they are issued by Barclaycard and they don’t like to approve you for too many cards in a short space of time. They also like to see spend on existing cards before approving you for new cards. One upside is that it’s possible to get the sign up bonus more than once.

You can view more hotel credit cards on our post “best hotel credit cards“.



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15 Comments on "Wyndham Rewards Credit Card Review – No Annual Fee & Annual Fee Cards"

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The Points Guy did state that the Wyndham card would soon have the biggest signup ever. Maybe best to wait?

“Hilton HHonors Bonus Points offer not available if you have had a Citi Hilton HHonors Visa Signature Card account that was opened or closed in the past 18 months.” (exact verbage used on the offer) …
Okay, so if I already have 2 Citi Hilton cards that were opened over 2 years ago, and I never closed them, I’m OKAY to get this bonus, then, right?

45K Barclay’s deal is dead

Data point-Just applied for myself and my wife for 45k points got approved instantly with 6500 limit. Plan to stay in Hawaii property.

Does this include all-inclusives for 15k/night?

Key difference between the 2% cards and these for everyday spend… With the 2% cards you get 2% back on every dollar. With this card, you could think of it only as getting 1 fee night with every 7,500 spent. Since every night cost 15,000 points, then have 14,998 points isn’t much use. This isn’t an argument against using it for everyday spend, but just to consider you should use it in $7,500 increments. My wife and I will both likely apply and each spend $7,500 to get 8 nights in Hawaii.

[…] to be honest, I need to do more digging on these programs to see if that changes my thoughts on the Wyndham credit cards or not. If you’re also not familiar, I’d recommend reading this primer from […]

[…] wants to become relevant again….Hmmm, let me wait until the smoke clears…Here is a review of the Wyndham credit cards by Doctor of Credit. I repeat, proceed with caution due to the atrocious history of this hotel […]

Customer service is in the Philippines and they suck. Just make sure you pay a day before due date due to time difference to avoid $37.00 late fee…ouch!

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