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Wyndham Rewards Visa Signature Credit Card

The Wyndham Rewards® Visa Signature® Card
The Wyndham Rewards® Visa Signature® Card

Wyndham Rewards Visa Signature Credit Card

A mediocre hotel rewards card with no standout features.
Editor's Rating: 3.5/5.0
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Editor's Rating

{"onCurrent":true,"message":"Our team rates credit cards objectively based on independent research, the features the credit card offers users, and how it compares with other available cards in its category. The ratings are the opinion of our editors, and are not influenced by any outside factors, including any compensation the site may receive from certain advertisers."}

3.5/5.0

Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any credit card issuer.

Wyndham Hotels along with Barclays offers two credit card options for consumers that may be interested in earning additional Wyndham rewards towards hotel stays and travel. We've reviewed the two cards to help guide you on how the cards work and whether or not they make financial sense to have. While the cards are not nesessarily one of our top picks for best rewards cards, they do have their perks as hotel specific credit cards.

Our Review: Decent Hotel Credit Cards

Judged purely on the value of the rewards you'll earn with the two credit cards you can expect a better than average rewards rate.. At first glance it may seem that the cards are much more rewarding, since cardholders receive two points per dollar spent, but the Wyndham points are generally worth less than some of the other hotel counterparts. Wyndham points are around a penny each when redeemed for hotel stays. Overall this means that the cards will have near 2% rewards rate, which isn't bad all things considered. As an everyday option however you can probably do better.There's no real reason to choose one of these cards as your main credit card for things you buy everyday

Our opinion is that the Wyndham Rewards cards really only perform for travelers that find themselves staying at Wyndham resorts. If you're already a participating Wyndham Rewards member as a non cardholder and find yourself staying at related properties to get the most out of your membership, then these cards can help amplify your rewards. With triple and quintuple points on Wyndham bookings, its a good way to get 30-50% more out of each stay.

As for which card you should choose? The no annual fee card is the more risk free of the two, since there are minimal costs to applying and having the additional card. This way if you end up not staying at the hotels as much as you'd like, you won't have the downside of paying out fees for nothing. For supplemental cards that are used for a single purpose, we tend to lean towards those with no annual fee.

The fee version of the Wyndham Rewards Signature Visa can however make some sense for very high frequency clients. Generally this is probably exclusive to those who have stays related to business travel and find themselves on the road frequently. We're just not sure that the typical consumer stays at hotels enough to make it worhtwhile.

Better Choices For Primary Credit Cards

As mentioned earlier, while 2% for a primary credit card isn't bad, there are plenty of better choices when it comes to a card you'd use everyday for rewards. First the signing bonus on both the fee and no fee Wyndham cards aren't terribly exciting. The Barclaycard Arrival Plus® World Elite Mastercard® is a general travel credit card that basically guarantees you 2.1% rewards towards travel, without locking you into a particular brand or chain. If you're going to give up flexibility in how you can use your points, you should at least be getting a better value in rewards.

Wyndham Rewards Visa Credit Cards: Features And Benefits

The Wyndham Rewards® Visa Signature® Card

Annual FeeNone

RewardsEarn 3 points per $1 spent on participating hotel stay

Earn 2 points per $1 spent everywhere else

Bonuses12,000 bonus points with first purchase

Purchase APR16.24, 20.99%, or 25.99% (variable)

Penalty APRN/A

Assessing The Value Of Wyndham Rewards Points

Since the two Wyndham cards don't really have any specific perks or benefits outside of the rewards points earned on spending, evaluating the value of these rewards is our top priority. As with other hotel cards, the primary way most consumers will use these rewards is for booking hotel stays at a participating resort.

Redeeming For Hotel Stays

First let us look at how the points usage is structured under the Wyndham Rewards programs. The amount of rewards needed for a single nights stay is based upon the Tier Category for the property you're staying at.These tiers are generally based upon the hotel's location, occupancy and average daily rate. The more expensive and higher demand locations will usually have a higher points requirement for each nights stay. Below is a table of the amount of rewards needed for a single nights stay at each tier of hotel.

Tier

Points Needed

1

5,500

2

8,000

3

10,000

4

14,000

5

16,000

6

20,000

7

25,000

8

30,000

9

50,000

In conducting our research it looks like the tier category for a hotel is fixed until the company decides to make a periodic restructuring to their rewards system.

Wyndham Hotel Brands

Along To help you figure out where you can earn bonus rewards and use your existing points for award bookings here is a list of the brands that fall under the Wyndham Hotel Group:

Wyndham Hotel Group Properties

Wyndham Hotels And Resorts

Baymont Inns & SuitesHawthorn SuitesSuper 8

Wyndham Grand collection

Knights InnPlanet HollywoodHoward Johnson

Wyndham Garden

Wingate By WyndhamNight HotelsMicrotel Inn & Suites

Ramada Worldwide

Dream HotelsDays InnTravelodge

Tryp By Wyndham

Maximizing The Value Of Your Points

Given that the points needed for a hotel stay are generally fixed, this means that you have some ability to get extra value out of your rewards. This means taking advantage of awards bookings anytime the price of a hotel stay is higher than average, since that means you'll be getting more dollars per points for your redemption. In most cases hotel pricing will fluctuate based upon demand, so awards bookings during peak season are often the most lucrative. There you can easily get an additional 30-50% more when it comes to using your points than you normally would.

One thing we did find in our research is that even within tiers in a given city, there is pretty wide range in terms of what a room would cost if you paid for cash. In one sample booking in NYC for instance, both Dream Hotel locations are categorized as Tier 8 properties requiring 30,000 points for a nights stay. The downtown location (the more popular of the two) has a nights stay priced at $395 dollars, while the midtown location was only $249 for a night. With an almost 50% difference in price, tourists visiting NYC could get a much better deal and location using their points at the more expensive property!

What Are Wyndham Points Worth?

Consumers should be careful when comparing travel rewards, since not all points and miles are created equal. The average point value for the Wyndham Rewards when used for hotel stays is around 1 cent per point, though your actual rate can vary pretty wildly. We've seen point values of as little as .8 cents to as high as 1.3 cents each.You can find out more about the different available redemption options by reading our comprehensive guide to the Wyndham rewards program.

Comparing The Wyndham Cards To Other Options

If you want to see how these cards stack up, use our models to compare the Wyndham Rewards Visa Signature cards to other possible options.

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Assumptions based on $1,430 monthly spend
Monthly spending:
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Comments and Questions

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The products that appear on this site may be from companies from which ValuePenguin receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). ValuePenguin does not include all financial institutions or all products offered available in the marketplace.

How We Calculate Rewards: ValuePenguin calculates the value of rewards by estimating the dollar value of any points, miles or bonuses earned using the card less any associated annual fees. These estimates here are ValuePenguin's alone, not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred points are worth $0.0125 each. The card awards 2 points on travel and dining and 1 point on everything else. Therefore, we say the card has a 2.5% rewards rate on dining and travel (2 x $0.0125) and a 1.25% rewards rate on everything else (1 x $0.0125).

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