Wyndham Rewards Earner® Business
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How we calculate effective rate →
The Wyndham Rewards Earner® Business from Barclays earns up to 4.5% effective value on gas in Madeen's catalog snapshot. Its annual fee is $149. New applicants may see: Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days..
- Top category
- Gas
- Effective value
- 4.5%
- Annual fee
- $149
Worth a look for gas spend if you need a business card and can use Wyndham Rewards the way you redeem today. Best for spenders who put meaningful volume in gas and can earn 5x points. The welcome bonus can help if you can meet the spend requirement.
What does the Wyndham Rewards Earner Business earn in each category?
Gas is the strongest category at 4.5% effective value (5x points at about 0.9 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Wyndham Rewards Earner Business compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight gas.
Gas is the strongest category at 4.5% effective value (5x points at about 0.9 cents each). That gas rate ranks higher than about 99% of the 2,854 cards we track in that category. The five-category effective-rate table on this page shows how Wyndham Rewards Earner Business compares across dining, grocery, gas, travel, and other spend.
| 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 | 5x points | 4.5% 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.
- Earn 5 points per $1 spent on eligible purchases made on qualifying gas purchases and EV charging
Who should get the Wyndham Rewards Earner Business?
The Wyndham Rewards Earner Business fits spenders who put meaningful volume in gas and can earn 5x points. Best for spenders who put meaningful volume in gas and can earn 5x 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 5x points. Madeen ranks its gas effective rate higher than about 99% 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 5x 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.
Pros
- Strongest Madeen category is gas at about 4.5% effective (5x points).
- That gas rate ranks higher than about 99% of cards we track in the category.
- No foreign transaction fee listed.
- Welcome bonus may add value if you can meet spend requirements.
Cons
- $149 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.
What is the Wyndham Rewards Earner Business welcome bonus?
In Madeen's catalog snapshot, the Wyndham Rewards Earner Business welcome offer is Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.. Minimum spend, eligibility, and offer windows are set by the issuer and can change — confirm.
- Offer
- 100k Wyndham Rewards (~$900 estimated)
- Terms (catalog snapshot)
- Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
- Minimum spend
- $3,000
- Window
- 90Days
Does the Wyndham Rewards Earner Business have an annual fee?
The Wyndham Rewards Earner Business has an annual fee of $149 and a foreign transaction fee of None. Confirm current fees on the issuer page before applying.
- Annual fee
- $149
- Foreign transaction fee
- None
What travel perks does the Wyndham Rewards Earner Business include?
The Wyndham Rewards Earner Business includes Free hotel night, $0 Fraud Liability protection, $65 Wholesale Membership Club Credit, Anniversary Bonus in our snapshot. Perks and benefits can change; verify coverage on the issuer site before you rely on them.
Free hotel night
Receive 15,000 bonus points each anniversary year after payment of your annual fee-that’s enough for up to two free nights at participating hotels every year.
What benefits come with the Wyndham Rewards Earner Business?
Sofar Sounds
$240/yrEnjoy a free ticket per show with the purchase of one or more tickets, plus you can access 7-day Visa Exclusive Presale opportunities.
Visa Signature Concierge
$150/yrGet assistance with travel planning, entertainment tickets and more.
OpenTable
$120/yrEligible Visa cardholders can enjoy special events access to the hottest dining events on OpenTable. Restrictions apply.
Anniversary Bonus
$25/yrReceive 15,000 bonus points each anniversary year after payment of your annual fee-that’s enough for up to two free nights at participating hotels every year
Auto Rental Collision Damage Waiver
$10/yr(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.
Golf Benefits from Troon Rewards®
$10/yrEnjoy automatic Silver Status when you sign up for Troon Rewards®, for 10% savings on golf fees, merchandise and lessons at over 150 golf courses across the United States and the world.
Roadside Dispatch®
$10/yrThis is a pay-per-use roadside assistance program available 24x7. Roadside Dispatch will ask for your location, find out what the problem is, and will remain on the phone with you while arranging a dispatch to a reliable tow operator or locksmith. You pay a set price per service call.
Travel and Emergency Assistance Services
$10/yrWhen you are traveling or working anywhere in the world, your covered Visa card gets you access to a multilingual call center 24 hours a day, 365 days a year to help get the assistance you need. As a covered cardholder, you, your spouse and dependent children under 22 years of age who are traveling with can call a dedicated toll-free number in the United States, or call collect when traveling abroad.
Visa Signature Luxury Hotel Collection
$10/yrEnjoy special guest status at 900+ Visa Signature Luxury Hotel properties worldwide.
Visa Signature Rental Car Privileges
$10/yrBook your next road trip with your Visa Signature card to receive up to 25% off base rates on qualifying rentals from Avis and Budget. Your card can also unlock complimentary upgrades (when available), waived Additional Driver Fee and 10% saving on XM Satellite radio during rental.
Travel Accident Insurance
Up to $1,000,000 coverageprovides accidental death and dismemberment coverage. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus, terminal, etc.) and between terminals, as well as when you are at the airport immediately before departure, or immediately after arrival, on any covered trip.
Purchase Security and Extended Protection
Up to $10,000 coveragePurchase Security can replace, repair or reimburse you for an eligible item purchased with your covered card up to $10,000.00 per claim in the event your item is stolen or damaged. Extended Protection doubles the time period of the original manufacturer's written U.S. warranty up to 1 additional year on eligible warranties of 3 years or less.
Related encyclopedia topics
Common questions about the Wyndham Rewards Earner Business
Where do cardholders spend most with the Wyndham Rewards Earner Business?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on gas (8x), gas and electricity (5x), other utilities (5x) for the Wyndham Rewards Earner Business. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
Does the Wyndham Rewards Earner Business have an annual fee?
The Wyndham Rewards Earner Business carries an annual fee of $149 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.
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 4.5% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page.
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.
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 in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 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 $149 annual fee pays off depends on how much you spend in gas and whether you use the card's benefits. Compare effective rates across the cards you already carry in Madeen.
How does the Wyndham Rewards Earner Business compare to similar cards?
Compare the Wyndham Rewards Earner Business against The AARP Essential Rewards Mastercard (3% on Gas, $0 fee); Hawaiian Airlines World Elite Mastercard (3.6% on Dining, $99 fee); Hawaiian Airlines World Elite Business Mastercard (3.6% on Dining, $99 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 | 4.5% | $149 |
| Gas | 3% | $0 | |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $99 | |
| Dining | 3.6% | $95 |
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Barclays and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Barclays. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure