3 New Wyndham Credit Cards Deliver As Much Value As They Possibly Can

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Earlier this month Barclays launched new Emirates credit cards and came up with as compelling a value proposition as was theoretically possible with a loyalty program that partners with Chase, American Express, and Capital One transferrable currencies already. They distinguished the products by offering elite status bundled with the cards, both as a reason to get them and a reason to use them for spend.

Now Barclays has introduced a refreshed suite of Wyndham credit cards and they’ve done as good a job as possible considering the limitation that they’re working with Wyndham, a motley collection of brands and a loyalty program that last year doubled the redemption cost of its best hotels.

Mass Market Consumer Card

The ‘Earner Rewards’ product is their entry-level no annual fee card. In my view it doesn’t add a lot of value, and certainly doesn’t compared to the more premium products that seem worth their fees. While the card comes with Gold status that’s effectively Wyndham’s giveaway level, the primary benefit is late checkout.

  • Initial bonus: 30,000 points after $1,000 in spend within 90 days
  • Earning: 5x on Wyndham and gas; 2x on dining and groceries; 1x elsewhere
  • Annual fee: $0
  • Elite status: Gold
  • Redemption discount: 10% off free night awards
  • Anniversary bonus: 7500 points after $15,000 annual spend

Premium Consumer Card

Earner+ Rewards has a bigger bonus, no requirement for annual spending to earn 7500 points (worth more than half the card’s annual fee) and comes with better elite status. The primary value of Platinum is early check-in and the ability to match to Caesars Rewards.

  • Initial bonus: 40,000 points after $1,000 in spend within 90 days
  • Earning: 6x on Wyndham and gas; 4x on dining and groceries; 1x elsewhere
  • Annual fee: $75
  • Elite status: Platinum
  • Redemption discount: 10% off free night awards
  • Anniversary bonus: 7500 points

Before last year’s devaluation I consideed a Wyndham point to be worth $0.008. Now I’d say $0.006 makes more sense. Arguably 6.6/10ths of a cent makes more sense considering the 10% rebate on free night awards.

Business Card

The winner of the bunch is the ‘Earner Business’ card which comes with top tier Diamond status and with an annual bonus whose value covers the card’s annual fee. Keep this in your pocket for elite status at a net zero cost. Some will want to use the card for 8x earning on gas, which I value as a 4.8% rebate, or arguably 5.3% (factoring the discount on free night awards).

  • Initial bonus: 45,000 points after $1,000 in spend within 90 days
  • Earning: 8x on Wyndham and gas; 5x on marketing, advertising, utilities; 1x elsewhere
  • Annual fee: $95
  • Elite status: Diamond
  • Redemption discount: 10% off free night awards
  • Anniversary bonus: 15,000 points

Diamond elites are eligible for suite upgrades and can nominate a member to the Gold giveaway level. Matching to Caesars Rewards has value, too. Bear in mind that Wyndham will status match a ham sandwich to Diamond. If you’re considering one of the Wyndham cards, it’s the business product that makes the most sense.

About Gary Leff

Gary Leff is one of the foremost experts in the field of miles, points, and frequent business travel - a topic he has covered since 2002. Co-founder of frequent flyer community InsideFlyer.com, emcee of the Freddie Awards, and named one of the "World's Top Travel Experts" by Conde' Nast Traveler (2010-Present) Gary has been a guest on most major news media, profiled in several top print publications, and published broadly on the topic of consumer loyalty. More About Gary »

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Editorial note: any opinions, analyses, reviews or recommendations expressed in this article are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer. Comments made in response to this post are not provided or commissioned nor have they been reviewed, approved, or otherwise endorsed by any bank. It is not the responsibility of advertisers Citibank, Chase, American Express, Barclays, Capital One or any other advertiser to ensure that questions are answered, either. Terms and limitations apply to all offers.

Comments

  1. Don’t get me wrong – I love Wyndham hotels and have enjoyed many nights on points at Wyndham Grands. But now that they have doubled the points required for award stays there, I think they need to offer 60k points so you can get 2 nights. Then it would be a good offer – a night and a half is a lot less compelling imo.

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