Wyndham Rewards Earner® Business
The Wyndham Rewards Earner® Business from Barclays earns up to 7.2% effective value on gas in Madeen's catalog snapshot. Its annual fee is $95. New applicants may see: Earn 45,000 bonus points after spending $3,000 on purchases and paying the annual fee in full, both within the first 90 days.. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Gas
- Effective value
- 7.2%
- Annual fee
- $95
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Wyndham Rewards Earner Business earn in each category?
Gas is the strongest category at 7.2% effective value (8x points at about 0.9 cents each). That gas rate ranks higher than about 100% of the 1,551 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Gas is the strongest category at 7.2% effective value (8x points at about 0.9 cents each). That gas rate ranks higher than about 100% of the 1,551 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.9% |
| Grocery Supermarkets and grocery stores | 1x points | 0.9% |
| Gas Gas stations and fuel | 8x points | 7.2% Top category |
| Travel Flights, hotels, transit | 1x points | 0.9% |
| Other General everyday spend | 1x points | 0.9% |
Madeen values Wyndham Rewards at about 0.9 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Wyndham Rewards Earner Business reward caps and conditions?
The Wyndham Rewards Earner Business has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 8 points per $1 spent on eligible purchases made on qualifying gas purchases
Who should get the Wyndham Rewards Earner Business?
The Wyndham Rewards Earner Business fits spenders who put meaningful volume in gas and can earn 8x points. Best for spenders who put meaningful volume in gas and can earn 8x points. The welcome bonus can help if you can meet the spend requirement.
Wyndham Rewards Earner Business fits spenders who put meaningful volume in gas and can earn 8x points. Madeen ranks its gas effective rate higher than about 100% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in gas and can earn 8x points. The welcome bonus can help if you can meet the spend requirement.
Compare it against simpler no-fee cards if you want minimum complexity.
Worth a look for gas spend if you need a business card and can use Wyndham Rewards the way you redeem today. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is gas at about 7.2% effective (8x points).
- That gas rate ranks higher than about 100% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $95 annual fee requires enough spend in bonus categories to offset.
- Wyndham Rewards value depends on how you redeem, not straight cash back.
- Business card — rewards and liability rules differ from consumer cards.
Does the Wyndham Rewards Earner Business have an annual fee, and what's the welcome bonus?
The Wyndham Rewards Earner Business has an annual fee of $95 and a foreign transaction fee of None. New applicants may see: Earn 45,000 bonus points after spending $3,000 on purchases and paying the annual fee in full, both within the first 90 days.. Confirm current issuer terms before applying.
- Annual fee
- $95
- Foreign transaction fee
- None
- Signup bonus
- Earn 45,000 bonus points after spending $3,000 on purchases and paying the annual fee in full, both within the first 90 days.
What travel perks does the Wyndham Rewards Earner Business include?
The Wyndham Rewards Earner Business includes Free hotel night, Annual Bonus, Auto Rental Collision Damage Waiver, Automatic DIAMOND Level Benefits! in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Free hotel nightReceive 15,000 bonus points each anniversary year—that’s enough for up to two free nights at participating properties
What benefits come with the Wyndham Rewards Earner Business?
- Annual Bonus
Receive 15,000 bonus points each anniversary year—that’s enough for up to two free nights at participating properties
- Auto Rental Collision Damage WaiverIncluded with Visa Signature®
Auto Rental Collision Damage Waiver (ARCDW) provides primary insurance coverage for physical damage and theft, reasonable and customary towing, and valid loss-of-use charges and administrative fees when you reserve and pay for a rental car with your covered Visa Business card.
- Automatic DIAMOND Level Benefits!
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
- Booking.comIncluded with Visa Signature®
Purchase qualifying stays with your eligible Visa Credit or Debit card and get up to 8% in Travel Credits to use on future flights, stays, car rentals, attractions, car rentals, taxis and more.
- Cell phone protection
Provides supplemental coverage for eligible damage or theft of your eligible cellular wireless telephone
- Enjoy a Cardmember Booking Discount
Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham
- Extended Warranty protection
Provides valuable features that help you manage, use, and extend the warranties for eligible items purchases
- go free® Faster
Redeem 10% fewer Wyndham Rewards points for go free® awards
Common questions about the Wyndham Rewards Earner Business
Does the Wyndham Rewards Earner Business have an annual fee?
The Wyndham Rewards Earner Business carries an annual fee of $95 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Wyndham Rewards Earner Business?
Gas is the strongest Madeen category for the Wyndham Rewards Earner Business at about 7.2% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Wyndham Rewards Earner Business charge foreign transaction fees?
The Wyndham Rewards Earner Business does not charge a foreign transaction fee in Madeen's catalog snapshot, which can make it stronger for purchases outside the U.S. Issuer terms still control international acceptance and other fees. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What is the Wyndham Rewards Earner Business welcome bonus?
The Wyndham Rewards Earner Business welcome offer in our snapshot: Earn 45,000 bonus points after spending $3,000 on purchases and paying the annual fee in full, both within the first 90 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change.
Is the Wyndham Rewards Earner Business annual fee worth it?
Whether the $95 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Madeen compares effective rates across the cards you already carry without bank login. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Wyndham Rewards Earner Business?
Madeen's catalog lists a typical credit range of Good to Excellent for the Wyndham Rewards Earner Business. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Wyndham Rewards Earner Business compare to similar cards?
Compare the Wyndham Rewards Earner Business against Wyndham Rewards Earner Plus (5.4% on Gas, $75 fee); Wyndham Rewards Earner (4.5% on Gas, $0 fee); The AARP Essential Rewards Mastercard (3% on Gas, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Wyndham Rewards Earner Business This card | Gas | 7.2% | $95 |
Barclays | Gas | 5.4% | $75 |
Barclays | Gas | 4.5% | $0 |
| Gas | 3% | $0 |
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