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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

Editor's Rating

3.5/5.0

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
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.

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 World Of Hyatt Credit Card
$95 4.68%
$1,080
Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening;Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening
$1,607
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 = $717
Bonuses
60,000 x $0.018 = $1,080
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 1,607

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

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn up to 60,000 Bonus Points - 40,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening
  • Earn an additional 20,000 Bonus Points after you spend a total of $6,000 on purchases within the first 6 months of account opening - free nights start at 5,000 points
  • Earn 9 points total per $1 spent at Hyatt - 4 Bonus Points per $1 when you use your card at Hyatt hotels & 5 Base Points per $1 you can earn as a World of Hyatt member
  • Plus, earn 2 Bonus Points per $1 spent at restaurants, on airlines tickets purchased directly from the airlines, on local transit and commuting and on fitness club and gym memberships
  • Receive 1 free night every year after your cardmember anniversary at any Category 1-4 Hyatt hotel or resort
  • Earn an extra free night at any Category 1-4 Hyatt hotel or resort if you spend $15,000 during your cardmember anniversary year
  • Get automatic World of Hyatt Discoverist status for as long as your account is open and 5 qualifying night credits toward your next tier status every year
  • Earn 2 qualifying night credits towards your next tier status every time you spend $5,000 on your card
Starwood Preferred Guest® Credit Card from American Express
$0 introductory annual fee for the first year, then $95. 3.49%
$675
75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
$1,198
Graph Card Read Review More Details and Value Calculation

Terms and Limitations Apply

Estimated Rewards Through 24 Months

Card Rewards Point Value Rewards Value
Spending Rewards 68,640 x $0.009 = $618
Bonuses
75,000 x $0.009 = $675
Less Annual Fees -$95
Total Net Estimated Rewards Through 24 Months 1,198

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

Annual Fee $0 introductory annual fee for the first year, then $95.
APR 17.74%-26.74% Variable
*Rates and Fees

Card Details

  • Earn 75,000 Bonus Points after you use your new Card to make $3,000 in purchases within the first 3 months.
  • Earn 6 points for each dollar of eligible purchases at participating SPG® and Marriott Rewards® hotels and 2 points on all other eligible purchases.
  • No Foreign Transaction Fees on International purchases.
  • Receive 1 Free Night Award every year after your Card account anniversary. Award can be used for one night (redemption level at or under 35,000 points) at a participating hotel. Select hotels have resort fees.
  • Enjoy complimentary, unlimited Boingo Wi-Fi on up to four devices at more than 1,000,000 Boingo hotspots worldwide. Enrollment required.
  • $0 introductory annual fee for the first year, then $95.
  • Terms Apply.
  • See Rates & Fees
Chase Sapphire Preferred® Card
$0 Intro for the First Year, then $95 3.00%
$625
50,000 Ultimate Rewards when you spend $4,000 on purchases in the first 3 months.
$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 17.99% - 24.99% 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 "Best Credit Card for Flexible Travel Redemption" - Kiplinger's Personal Finance, June 2018
  • 2X points on travel and dining at restaurants worldwide & 1 point per dollar spent on all other purchases.
  • No foreign transaction fees
  • 1:1 point transfer to leading airline and hotel loyalty programs
  • Get 25% more value when you redeem for airfare, hotels, car rentals and cruises 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
Marriott Rewards® Premier Plus Credit Card
$95 2.68%
$560
Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3k in the first 3 months.
$919
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 = $549
Bonuses
70,000 x $0.008 = $560
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 919

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

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Earn 2 Free Night Awards (each valued up to 35,000 points) after you spend $3,000 on purchases in the first 3 months from account opening.
  • Get the card that helps you earn more with U.S. News & World Report’s No.1 Hotel Rewards Program, Marriott Rewards.
  • 1 Free Night Award (valued up to 35,000 points) every year after account anniversary.
  • Earn 6X points per $1 spent at participating Marriott Rewards & SPG hotels.
  • 2X 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.
Bank of America® Premium Rewards® credit card
Image of Bank of America® Premium Rewards® credit card $95 2.48%
$500
Receive 50,000 bonus points - a $500 value - after you make at least $3,000 in purchases in the first 90 days of account opening
$852
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 54,240 x $0.01 = $542
Bonuses
50,000 x $0.01 = $500
Less Annual Fees -$190
Total Net Estimated Rewards Through 24 Months 852

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

Annual Fee $95
APR 17.99% - 24.99% Variable

Card Details

  • Receive 50,000 bonus points- a $500 value – after you make at least $3,000 in purchases in the first 90 days of account opening.
  • Earn unlimited 2 points for every $1 spent on travel and dining purchases and unlimited 1.5 points per $1 spent on all other purchases
  • If you’re a Bank of America Preferred Rewards client, you can get a 25%-75% rewards bonus on every purchase.
  • No limit to the points you can earn and your points don’t expire
  • Flexibility to redeem for a statement credit, deposit into eligible Bank of America® or Merrill Lynch® accounts like checking, savings, and 529, for gift cards or use at the Bank of America Travel Center.
  • Get up to $200 in combined airline incidental and airport expedited screening statement credits + valuable travel insurance protections
  • No Foreign Transaction Fees
  • Low $95 annual fee
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

  • 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
Bank of America® Travel Rewards credit card
Image of Bank of America® Travel Rewards credit card No Annual Fee 2.23%
$250
NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
$765
Graph Card 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
25,000 x $0.01 = $250
Total Net Estimated Rewards Through 24 Months 765

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

Annual Fee No Annual Fee
APR 16.99% - 24.99% Variable

Card Details

  • Earn unlimited 1.5 points per $1 spent on all purchases, with no annual fee and no foreign transaction fees and your points don't expire
  • NEW OFFER: 25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
  • Use your card to book your trip how and where you want – you’re not limited to specific websites with blackout dates or restrictions
  • Redeem points for a statement credit to pay for flights, hotels, vacation packages, cruises, rental cars, or baggage fees
  • Comes with chip technology for enhanced security and protection at chip-enabled terminals
  • 0% Introductory APR for 12 billing cycles for purchases, then 16.99% - 24.99% Variable APR
  • Get an additional 10% customer points bonus on every purchase when you have an active Bank of America® checking or savings account
  • If you’re a Preferred Rewards client, you can increase that bonus to 25% - 75%
Bank of America® Travel Rewards Credit Card for Students
Image of Bank of America® Travel Rewards Credit Card for Students No Annual Fee 2.23%
$250
25,000 online bonus points if you make at least $1,000 in purchases in the first 90 days - that can be a $250 statement credit towards travel purchases
$765
Graph Card 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
25,000 x $0.01 = $250
Total Net Estimated Rewards Through 24 Months 765

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

Annual Fee No Annual Fee
APR 16.99% - 24.99% Variable

Card Details

  • 25,000 bonus points if you make at least $1,000 in purchases in the first 90 days of your account opening - which can be redeemed for a $250 statement credit toward travel purchases
  • 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
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

  • $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
Radisson Rewards Premier Visa Signature® Card
Image of Radisson Rewards Premier Visa Signature® Card $0 Intro Annual Fee for the first year then $75 2.19%
$140
Earn 35,000 bonus points after spending $2,500 in the three months after account opening
$751
Graph Card More Details and Value Calculation

Estimated Rewards Through 24 Months

Card Rewards Estimated Rewards Value Dollars*
Spending Rewards 171,600 x $0.004 = $686
Bonuses
35,000 x $0.004 = $140
Less Annual Fees -$75
Total Net Estimated Rewards Through 24 Months 751

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

Annual Fee $0 Intro Annual Fee for the first year then $75
APR 15.99% 24.99% Variable

Card Details

  • 10 points per $1 spent in eligible net purchases at the Radisson Family of Hotels.
  • 5 points per $1 spent in eligible net purchases everywhere else.
  • Up to 85,000 Bonus Points - receive 50,000 points after your first purchase plus 35,000 points once you spend $2,500 in eligible net purchases on your card within the first 90 days.
  • 40,000 renewal bonus points each year when you renew your card by paying the Annual fee.
  • Earn up to 3 free nights! Earn one free e-cert for each $10,000 in spend (up to $30,000), then renew your card by paying the Annual Fee.
  • Gold Status upgrade - your Radisson Rewards membership will reflect your Gold status after you activate and use your card.
  • Already reached Gold or Platinum Status? You will receive 15 qualifying nights toward obtaining or maintaining Platinum status after you activate and use your new card.
  • No Preset Spending Limit.
  • Visa Signature Concierge.
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

  • Hotel card for boutique hotels
  • 3 points per dollar spent at Stash Partner Hotels
  • 2 points per dollar on other hotels, dining and gas
  • 1 point per dollar everywhere else
  • Points never expire
  • 10,000 bonus points when you spend $1,500 within 90 days of opening your account
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 17.99% - 24.99% Variable

Card Details

  • Earn 80,000 bonus points after spending $2,000 on purchases within the first three months of 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

  • 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

  • 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

  • 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
Club Carlson Rewards Visa Signature Card
Image of 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

Best Western Rewards® Premium MasterCard®
Image of 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

  • 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

  • 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

  • Redeem points for brand name merchandise, gift cards, cash back, and airline tickets
  • 24/7 cardmember service
  • No annual fee
Best Western Rewards® MasterCard®
Image of 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

  • 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®
Image of 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

  • 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

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

* 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: Premier Rewards Gold Card from American Express, Delta Reserve® Credit Card from American Express, Platinum Delta SkyMiles® Credit Card from American Express, Hilton Honors Surpass® Credit Card, American Express® Blue Sky, American Express® Green Card, The Amex EveryDay® Credit Card from American Express, 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 Amazon Business American Express 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.

Example of how we calculate the rewards rates: When redeemed for travel through Ultimate Rewards, Chase Sapphire Preferred® Card 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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