Wyndham Rewards Visa Card Review

Who is the Wyndham Rewards Visa card for?

The Wyndham Rewards Visa card is an exciting offering for any Wyndham hotel fan. For a small annual fee, this card can provide free or discounted nights, automatic Platinum Membership status, and fraud protection. 

The features of this card are well suited for any travel enthusiast who is looking to start building credit. The low intro APRs on balances and purchases provides new cardholders some freedom and leeway when paying for spendings. That being said, young people or recent college graduates might want to use this card for its training wheels.

However, since this card has an annual fee, it is not for those who are on a tight budget. Those who are trying to save money should consider the Wyndham Rewards No Annual Fee Card, where they can experience similar benefits without any extra cost. Because rewards are fairly limited to Wyndham products, customers who don’t commonly stay at Wyndham locations should not use this card.

Welcome Bonus

To celebrate a new cardholder’s account opening, the Wyndham Rewards Visa card gives users up to 30,000 bonus points. 30,000 points are enough to cover four nights at a Wyndham location, a very good steal for any travel enthusiast. As soon as you make your first eligible purchase, you will earn 15,000 of these bonus points. To receive the other half, simply spend $1,000 within the first 90 days of opening an account. These targets are not hard to reach and are well worth the hundreds of dollars saved in free nights.

Rewards Rate

The Wyndham Rewards Visa card provides exciting rewards rates that can be used toward enhancing your travel experience. Some of these include online shopping items, discounts on gas, local tours and activities, and gift cards. However, the most common and most valuable reward item is free/discounted nights at any Wyndham hotel or resort.

For starters, for every dollar spent on eligible purchases at Wyndham hotels, cardholders earn 5x in bonus points. These points build up fast at this rate, bringing users one step closer to their next free night with every penny spent. For frequent travelers who often stay at Wyndham properties, this rate allows you to earn free nights while going about typical activities.

Even if you are grocery shopping or buying gas, you can still work toward your next free night. For every dollar spent at eligible gas, utility, and grocery stores, you will earn 2x the points. This means that cardholders can work toward their target goal by simply buying necessities such as food and gas. Earning points using this card doesn’t have to be a conscious activity; it can be a helpful benefit of everyday shopping.

Or every other purchase made outside of Wyndham locations and participating stores, you can earn 1x the points for every dollar spent. This ensures that cardholders are earning points as long as they are using their card, regardless of where. 

Benefits & Credits

This card offers many enticing features that make it worth its annual price. Aside from the generous welcome package and high rewards rate, this card makes any Wyndham stayer’s travel more enjoyable. Wyndham strives to improve all travelers’ experiences, and this card is a key factor to a pleasurable stay.

A unique perk this card has is its low introductory APRs on balance transfers and purchases. Both rates are 0%, which alleviates lots of stress that comes with opening a new card and paying off balances. If you cannot pay off your balance outstanding for purchases immediately, the Wyndham Rewards Visa card allows you to pay back later without any interest. This practice holds for the first six months of opening the card. 

Furthermore, if you want to transfer balances, you can do so for no extra charge within the first fifteen months of account opening. Both of these features provided new cardholders with some leeway and flexibility at the start of using this card. This perk makes the card very attractive to young and new cardholders who may not have much experience in the responsibility of using a credit card.

One of the exciting perks of this card is its automatic Platinum Membership status in the Wyndham Rewards program. Upon opening an account, cardholders are instantly able to enjoy the benefits Platinum members have, including but not limited to free WiFi (a crucial necessity), preferred room selection, and late checkout. All of these amenities enable the cardholder to have a smooth and comfortable stay.

The Wyndham Rewards Visa card also has a 0% Fraud Liability protection policy, meaning that you are not responsible for charges you did not allow. If your card is stolen or fraud occurs, Wyndham will not hold you at fault for these unauthorized purchases, and you will not have to pay them. This is a helpful feature for any risk-averse individual with a fear of fraud.

Annual Fee

The Wyndham Rewards Visa card comes with an annual fee. Costing $75 a year, this fee is a decent price for the value of the card. All of the free nights that come with this card makes $75 a small price to pay. However, the lack of an anniversary bonus like many other hotel cards is disappointing. 

The Wyndham Rewards Visa card, fortunately, does not have any foreign transaction fees. For global travelers, this is good news, as you can explore the world without fear of extra payments incurred by using your card outside of the US. 

Conclusion

The Wyndham Rewards Visa card is a helpful tool for Wyndham fans and travel enthusiasts looking to enhance their hotel experience. With a generous welcome package and exclusive membership status, this card contributes to an enjoyable and memorable stay. However, given its $75 annual fee, this card may not be ideal for those with limited earnings. 

You can apply for the Wyndham Rewards Visa Card online here.