Wyndham Rewards Visa Signature Credit Card

Wyndham Rewards Visa Signature Credit Card

A mediocre hotel rewards card with no standout features.
Editor's Rating: 3.5/5.0
The Wyndham Rewards® Visa Signature® Card

Editor's Rating

3.5/5.0

Credit Cards
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Opinions, analyses, reviews, or recommendations expressed here are the author’s alone, and have not been reviewed or endorsed by the issuer. We may be compensated through the issuer’s Affiliate Program. For a full list of our advertisers see our disclosure page.

Contents

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. Where the Starwood Preferred Guest® Credit Card from American Express points are worth 2.4 cents per point, 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 Barclays 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 Fee None
Rewards Earn 3 points per $1 spent on participating hotel stay
  Earn 2 points per $1 spent everywhere else
Bonuses 12,000 bonus points with first purchase
Purchase APR 16.24, 20.99%, or 25.99% (variable)
Penalty APR N/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 & Suites Hawthorn Suites Super 8
Wyndham Grand collection Knights Inn Planet Hollywood Howard Johnson
Wyndham Garden Wingate By Wyndham Night Hotels Microtel Inn & Suites
Ramada Worldwide Dream Hotels Days Inn Travelodge
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.

Assumptions Based On Monthly Spend of: $1,430 Edit
General:
U.S. Gas Stations:
U.S. Supermarkets:
Airlines:
Hotel:
U.S. Restaurants:
Office:
Utilities:
Computing:
Card Annual Fee 2-yr Net Rewards Rate

The Net Rewards Rate is equal to the Rewards Value over two years divided by the total spending. The total spending is equal to the values entered into the tool and multiplied by 24 months. See the rewards Value note to see details on how it is calculated.

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. All estimates are based on the spend assumptions entered above (which you can edit).

Bonus Value

The bonus field shows our estimate for the value of the card’s welcome bonus. If the bonus is point or mile based, we multiply the total bonus points/miles by our estimate for their value to arrive at a dollar equivalent. We display $0 if there is no bonus or if the user doesn’t qualify for the bonus based on the current spending entered into the tool. All estimates are based on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

2-yr Rewards Value

The Rewards value is calculated by adding together the rewards earned from charging purchases to the card over two years and any welcome bonuses (if applicable). They are then multiplied by our estimated point/mile value, with any annual fees (if applicable) subtracted. All values are based on our own estimates for the dollar value of any points, miles or bonuses earned using a card and on the spend assumptions entered above (which you can edit).

The estimates here are ValuePenguin's alone. They are not those of the card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer.

The Hyatt Credit Card
$75 3.63%
$700
Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
$1,247
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.018 = $697
Bonuses
40,000 x $0.018 = $700
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 1,247

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $75
APR 17.49% - 24.49% Variable

Card Details

  • Earn 40,000 Bonus Points after you spend $2,000 on purchases with the Hyatt Credit Card in the first 3 months after account opening.
  • Get 5,000 Bonus Points after you add an authorized user to your account and make a purchase with your card during the first 3 months as a cardmember.
  • Plus, receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort.
  • Get Bonus Points on every purchase. Free nights start at just 5,000 points.
  • 3 Bonus Points for every $1 spent at Hyatt hotels and resorts.
  • 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines and at car rental agencies, Plus 1 Bonus Point per $1 spent on purchases elsewhere.
  • Keep all the points you earn - your points do not expire as long as your Hyatt Credit Card account is open.
  • As a Hyatt Cardmember, you'll enjoy Discoverist status in World of Hyatt for as long as your Hyatt Credit Card account is open.
Chase Sapphire Preferred® Card
$0 Intro for the First Year, then $95 3.00%
$625
50,000 bonus points when you spend $4,000 on purchases in the first 3 months from account opening
$1,028
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 39,840 x $0.013 = $498
Bonuses
50,000 x $0.013 = $625
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,028

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro for the First Year, then $95
APR 17.49% - 24.49% Variable

Card Details

  • Earn 50,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. That's $625 toward travel when you redeem through Chase Ultimate Rewards®
  • Chase Sapphire Preferred® named a 'Best Travel Credit Card' by MONEY® Magazine, 2016-2017
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • Earn 5,000 bonus points after you add the first authorized user and make a purchase in the first 3 months from account opening
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for travel through Chase Ultimate Rewards. For example, 50,000 points are worth $625 toward travel.
  • No blackout dates or travel restrictions - as long as there's a seat on the flight, you can book it through Chase Ultimate Rewards
Club Carlson Premier Rewards Visa Signature Card
$75 2.33%
$315
Earn 50,000 Gold Points after your first purchase; Earn 35,000 points once you spend $2,500 on your card within the first 90 days
$799
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 171,600 x $0.004 = $635
Bonuses
50,000 x $0.004 = $185
35,000 x $0.004 = $130
Less Annual Fees -$150
Total Net Estimated Rewards Through 24 Months 799

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $75
APR 13.99% - 22.99% Variable

Card Details

  • Earn 50,000 Gold Points after your first purchase
  • Earn 35,000 points once you spend $2,500 on your card within the first 90 days
  • 10 points per $1 spent at Carlson Rezidor hotels
  • 5 points per $1 spent everywhere else
  • Automatic upgrade to Gold Elite Status
  • Cardmembers who've already reached Concierge Elite Status will receive 15 qualifying nights toward obtaining or maintaining Concierge Elite status
  • Redeem Gold Points towards free nights at Carlson Rezidor hotels, gift cards, prepaid cards, charitable initiatives, vacation savings, and exchanges for airline miles
  • Visa Signature concierge privileges
  • Travel & Emergency Assistance Services, Auto Rental Collision Damage Waiver, and Travel Accident Insurance for card purchases
  • Subject to credit approval
Discover it® Miles
$0 2.25%
$257
Discover will match all the Miles you've earned at the end of your first year. Bonus Miles - For example, if you earn 30,000 Miles, you get 60,000 Miles.
$772
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
257 x $0.01 = $257
Total Net Estimated Rewards Through 24 Months 772

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0
APR 13.49% - 24.49% Variable

Card Details

  • We'll match all the Miles you've earned at the end of your first year. For example, if you earn 30,000 Miles, you get 60,000 Miles.
  • Unlimited 1.5x Miles per dollar on all purchases, every day, with no annual fee.
  • No Blackout Dates - fly any airline, stay at any hotel.
  • Redeem your Miles as a statement credit towards travel purchases.
  • Freeze your account in seconds with an on/off switch either on the mobile app or website to prevent new purchases, cash advances, and balance transfers.
  • Get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
  • No Annual Fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.
Fairmont Visa Signature® Credit Card
Image of Fairmont Visa Signature® Credit Card $0 Intro Annual Fee for the first year then $95 2.18%
$500
Enjoy 2 complimentary nights with Breakfast for 2 after you spend $3,000 within the first 3 months of account opening
$748
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.01 = $343
Bonuses
0 x $0.01 = $0
0 x $0.01 = $500
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 748

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $95
APR 15.99%

Card Details

  • Enjoy 2 complimentary nights with breakfast for 2 after you spend $3,000 within the first 3 months of account opening
  • 5 points for every $1 spent on Fairmont purchases
  • 2 points for every $1 spent on all airline tickets purchased directly with the airlines, at car rental agencies and on transit and commuting
  • 1 point for every $1 spent otherwise
  • $0 foreign transaction fee
  • One complimentary night stay each anniversary year
  • Annual Lounge Club Membership plus 2 free lounge visit passes each year
  • Automatic upgrade to Fairmont Premier Membership Status
  • When you spend $7,500 on your card, get 1 stay credit towards Platinum status, up to a maximum of 2 stay credits per calendar year
BankAmericard Travel Rewards® Credit Card
No Annual Fee 2.08%
$200
20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
$715
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 51,480 x $0.01 = $515
Bonuses
20,000 x $0.01 = $200
Total Net Estimated Rewards Through 24 Months 715

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 14.99% - 22.99% Variable

Card Details

  • 20,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $200 statement credit towards travel purchases
  • Earn unlimited 1.5 points per $1 spent on all purchases
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • Redeem points to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees with no restrictions or blackouts
  • No foreign transaction fees
  • Smart chip technology provides greater acceptance and added security
  • No limits or expiration dates on points earned
Stash Hotel Rewards® Visa® Card
$0 Intro Annual Fee for the first year then $85 1.82%
$130
Earn 10,000 Stash points towards free stays at one-of-a-kind hotels when you make $1,500 in purchases on your Stash Visa Card within 90 days of opening your account
$625
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 44,640 x $0.013 = $580
Bonuses
0 x $0.013 = $0
10,000 x $0.013 = $130
Less Annual Fees -$85
Total Net Estimated Rewards Through 24 Months 625

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $85
APR 16.24%

Card Details

  • 3 points per dollar at Stash Hotels
  • 2 points per dollar all other hotels, dining and gas
  • 1 point per dollar on all other purchases
IHG® Rewards Club Premier Credit Card
$89 1.95%
$512
Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening.
$670
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $336
Bonuses
80,000 x $0.006 = $512
Less Annual Fees -$178
Total Net Estimated Rewards Through 24 Months 670

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $89
APR 17.49% - 24.49% Variable

Card Details

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of account opening
  • Earn 5,000 bonus points after you add your first authorized user and make your first purchase in the first three months from account opening
  • Enjoy a Free Night after each account anniversary year at eligible IHG hotels worldwide. Plus, enjoy a free reward night when you redeem points for any stay of 4 or more nights
  • Earn 10 points per $1 spent when you stay at an IHG hotel
  • Earn 2 points per $1 spent on purchases at gas stations, grocery stores, and restaurants. Earn 1 point per $1 spent on all other purchases
  • Platinum Elite status as long as you remain a Premier card member
  • Global Entry or TSA Pre✓® Fee Credit of up to $100 every 4 years as reimbursement for the application fee charged to your card
  • IHG Rewards Club Bonus points are redeemable at hotels such as InterContinental®, Crowne Plaza®, Kimpton®, EVEN® Hotels, Indigo® Hotels & Holiday Inn®
The Choice Privileges® Visa® Card
No Annual Fee 1.73%
$62
Earn 8,000 bonus points after your first purchase
$593
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.008 = $531
Bonuses
8,000 x $0.008 = $62
Total Net Estimated Rewards Through 24 Months 593

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Earn 8,000 bonus points after your first purchase
  • Earn 24,000 bonus points after your first paid stay at any Choice Privileges location
  • 15 points for every $1 spent at Choice Privileges locations
  • 5 points for every $1 spent on additional Choice Privileges points or Choice Hotel gift card purchases
  • 2 points for every $1 spent otherwise
  • Cardmembers automatically get Elite Gold status
  • Book award and free nights twenty days before other members
  • 10% point bonus on points earned for eligible stays at Choice Privileges locations
  • Redeem points for reward nights at over 1,500 hotel locations, gift cards for a variety of merchants, donations, and memberships
IHG® Rewards Club Traveler Credit Card
$29 1.93%
$384
Earn 60,000 bonus points after spending $2,000 in the first 3 months from account opening.
$662
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 52,560 x $0.006 = $336
Bonuses
60,000 x $0.006 = $384
Less Annual Fees -$58
Total Net Estimated Rewards Through 24 Months 662

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $29
APR 17.49% to 24.49% Variable

Card Details

  • Earn 5 pointer per $1 spent at IHG hotels
  • Earn 2 points per $1 spent at gas stations, grocery stores, and restaurants
  • Earn 1 point per $1 spent on all purchases
  • Receive 60,000 bonus points after spending $2,000 in purchases within 3 months of account opening
  • Cardholders that spend $10,000 on purchases in a calendar year are eligible for Gold Elite status in the IHG Rewards Club
Ritz-Carlton Rewards Credit Card
$395 1.47%
$930
Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
$504
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.011 = $364
Bonuses
0 x $0.011 = $0
0 x $0.011 = $930
Less Annual Fees -$790
Total Net Estimated Rewards Through 24 Months 504

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $395
APR 15.99%

Card Details

  • Earn two complimentary nights at any participating Tier 1-4 Ritz-Carlton Hotel, after you spend $3,000 on purchases in the first 3 months from account opening
  • 5 points for every $1 spent on Ritz-Carlton or partner hotels
  • 2 points for every $1 on airline tickets purchased directly with the airline
  • 1 point per $1 otherwise
  • Complimentary upgrades to the Ritz-Carlton Club Level three times annually on paid stays of up to 7 nights
  • $300 annual airline incidentals credit
  • $100 hotel credit on stays of two nights or longer
  • Worldwide Airport Lounge Access
  • Automatic gold elite status your first year
  • No foreign transaction fees
  • Personal service assistance to cardmembers
  • Automatic Gold Elite Status your first year
  • Maintain Gold Elite thereafter by spending 10,000 each year
Marriott Rewards® Premier Plus Credit Card
$95 1.45%
$0
100,000-point new cardmember sign-up offer — after spending $5,000 in the first 90 days
$496
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.01 = $686
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 496

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $95
APR 17.49% - 24.49% Variable

Card Details

  • Limited Time Offer! Earn 100,000 Bonus Points after you spend $5,000 on purchases in the first 3 months from account opening.
  • Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6 points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2 points for every $1 spent on all other purchases.
  • Automatic Silver Elite Status each account anniversary year.
  • Path to Gold Status when you spend $35,000 on purchases each account year.
  • Coming in 2019, 15 Elite Night Credits each calendar year.
  • Earn unlimited Marriott Rewards points and get Free Night Stays faster.
Club Carlson Rewards Visa Signature Card
$50 1.47%
$222
50,000 Gold Points after your first purchase; 10,000 Gold Points after spending $1,500 within the first 3 months
$503
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 102,960 x $0.004 = $381
Bonuses
50,000 x $0.004 = $185
10,000 x $0.004 = $37
Less Annual Fees -$100
Total Net Estimated Rewards Through 24 Months 503

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $50
APR 13.99% - 22.99% Variable

Card Details

  • 50,000 Gold Points after your first purchase
  • 10,000 Gold Points after spending $1,500 within the first 3 months
Best Western Rewards® Premium MasterCard®
$0 Intro Annual Fee for the first year then $59 1.23%
$285
25,000 bonus points after you spend $2,500 in first 3 billing cycles. Also, earn another 25,000 bonus points after you spend total of $5,000 in the first 6 billing cycles
$422
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
0 x $0.006 = $0
50,000 x $0.006 = $285
Less Annual Fees -$59
Total Net Estimated Rewards Through 24 Months 422

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $0 Intro Annual Fee for the first year then $59
APR 15.24% - 20.24% Variable

Card Details

  • 10 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Free Upgrade to Best Western Rewards Platinum Status
The Wyndham Rewards® Visa Signature® Card
No Annual Fee 1.17%
$60
12,000 bonus points with first purchase
$403
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 68,640 x $0.005 = $343
Bonuses
12,000 x $0.005 = $60
Total Net Estimated Rewards Through 24 Months 403

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24%, 20.99% or 25.99% Variable

Card Details

  • Earn 12,000 bonus points with first purchase
  • 5 points per $1 spent on participating hotels
  • 2 points per $1 spent everywhere else
  • Redeem points for free nights, gift cards, magazines, newspapers, donations, merchandise, Wyndham maintenance fees, car rentals, flights, and more
U.S. Bank Perks+ Visa Signature® Card
No Annual Fee 1.37%
$0
$470
Graph Card Read Review More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 47,040 x $0.01 = $470
Bonuses
0 x $0.01 = $0
0 x $0.01 = $0
Total Net Estimated Rewards Through 24 Months 470

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 11.99% - 21.99% Variable

Card Details

  • Earn 2X points on Gas and Grocery net purchases (purchases minus credits and returns)
  • Earn 1 point for every net dollar spent on everything else
  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee
Best Western Rewards® MasterCard®
No Annual Fee 0.90%
$114
10,000 bonus points after you spend $1,000 in first 3 billing cycles. Also, earn another 10,000 bonus points after you spend total of $3,000 in the first 6 billing cycles
$310
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
0 x $0.006 = $0
20,000 x $0.006 = $114
Total Net Estimated Rewards Through 24 Months 310

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee No Annual Fee
APR 16.24% - 23.24% Variable

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase
Best Western Rewards® Secured MasterCard®
$40 0.42%
$29
5,000 bonus points after your first purchase
$144
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 34,320 x $0.006 = $196
Bonuses
0 x $0.006 = $0
5,000 x $0.006 = $29
Less Annual Fees -$80
Total Net Estimated Rewards Through 24 Months 144

*The value estimate is calculated using ValuePenguin.com rewards point value.

Annual Fee $40
APR 21.24%

Card Details

  • 3 points for every $1 spent on Best Western purchases
  • 1 point for every $1 spent otherwise
  • Redeem points towards free nights at over 4,000 Best Western locations, gift cards, merchandise, airline rewards, and Avis car rentals
  • Upgrade to Best Western Rewards Gold Elite Status after the first purchase

Comments and Questions

* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's website.

Info about the following cards: American Express® Gold Card, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card, Starwood Preferred Guest® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Preferred Credit Card from American Express, The Plenti® Credit Card from Amex, Blue from American Express®, Platinum Card® from American Express Exclusively for Mercedes-Benz, Bluebird, Centurion® Card from American Express, Hilton Honors American Express Aspire Card, Starwood Preferred Guest® American Express Luxury Card, and American Express Cash Magnet℠ Card has been collected independently by ValuePenguin. The issuer did not provide the details, nor is it responsible for their accuracy.

Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program. 

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.

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.

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