Wyndham Credit Card: How Much Are The Rewards Worth?

When it comes to hotel credit cards, there are a plethora of ‘em for high-end places such as Ritz-Carlton, Hyatt, and Hilton. But what if spending $400/night isn’t exactly your thing?

hotel cards for roomNo worries. You still have options for “regular” hotel cards. One of which is the Barclays Wyndham Rewards credit card. Review if it makes sense for you.

Which hotels are included?

Wyndham Worldwide owns quite a few different chains which you are undoubtedly familiar with:

  • Days Inn
  • Super 8
  • Howard Johnson
  • Knights Inn
  • Microtel Inn & Suites
  • Ramada
  • Baymont Inn & Suites
  • Wyndham
  • Travelodge
  • And a few other micro-brands

Almost all of these hotels are fall under “average” category when it comes to price – they’re a good value. But can the same be said about the Wyndham Rewards?

The rewards exposed

You can get the Wyndham Rewards Visa in a couple different versions. One is free, the other isn’t…

The no annual fee version:

  • 3 points/dollar at their hotels and 2 points/dollar elsewhere

The $39 annual fee version:

  • 5 points/dollar at their hotels and 2 points/dollar elsewhere

Earning at least double points on every purchase may sound great, but before you get too excited, please research how much the free nights will cost you…

  • Tier 1 property = 6,000 points/night
  • Tier 2 property = 10,000 points/night
  • Tier 3 property = 14,000 points/night
  • Tier 4 property = 16,000 points/night

So how much are the Wyndham reward points worth? Well you can go here to search by location to see what shows up.

Wyndham reward points vs. cash priceI ran several searches for the Los Angeles area and it appears most of the hotels are Tier 3 or 4 (so 14,000 to 16,000 points per night). Assuming you are earning 2 points/dollar that means you would have to spend $7,000 to $8,000 to earn enough points.

For example this Days Inn which is in the suburbs was showing as a Tier 4. Given the cash prices for a room, it means the reward point value would be around $0.0051 to $0.0059 each. Other properties yielded similar conversions.

Verdict? The Wyndham credit card rewards program is pretty good, because the 2x points equal the equivalent of a 1% to 1.2% rebate on normal spending. And if you go with the $39 credit card, when staying at Wyndham hotels the 5x points are worth about 2.5% to 3%.

However when you consider there are 2% cash back cards, it would be hard to justify getting the Wyndham Visa for your spending outside of their hotels.

So that leaves the benefits. Should you apply to get them?

The Benefits

  • Bonus Points Promotion – When I reviewed the application, the $0 card was offering 12,000 bonus points and the $39 card offer was 18,000. With the 18k points, that seems to be worth around a $100. It’s not bad, but isn’t that great compared to what some travel credit card promotions will give you.
  • Visa Signature Benefits – Both of the Wyndham Rewards credit cards are Visa Signature, so you will get those benefits with either version.
  • Hotel Perks – Much to my surprise, I didn’t see any Wyndham-specific benefits. This is very unusual given that most hotel credit cards at least throw in a few perks when you stay with them. If there are perks please let me know in the comments below, but I scoured the application and didn’t see mention of any.

Go for it or not?

With the equivalent of up to 1.2% on regular spending and 1.8% to 3.0% at their properties, both of the Wyndham Rewards credit cards are going to yield you above-average value. However, they still don’t measure up to many of the other hotel credit cards on the market.

Written or last updated for 2013

The responses below 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.

can I use the points to pay on my monthly maint. payments?

I agree with everything that was said above. Wyndham did recently change up their rewards to add in the Gold/Platinum etc statuses. But don’t forget that we get 10 points for dollar spent for just being a Wyndham rewards member without having any rewards credit card. I personally have the rewards set to get miles for Southwest which is equivalent to $10 for each stay. That’s much better than the Wyndham Rewards point that would accumulate.

Aranxta Silva

I haven’t applied for the Wyndham Rewards Visa, simply because the card relies upon a Transunion report, and Transunion has not been very forthcoming in allowing me to access my report online – they prefer to send me a paper report through the mail, so until they update their methods, I will do my best to avoid any company that consults Transunion.

Meanwhile, I have stayed at several Wyndham Hotels, and it’s true, it takes a heap of points to qualify for a free night. Also, the accumulation of nights moves you through the various stages of gold, platinum, etc., which grants you other perks aside from free nights. An example is a free gift card, which one of the hotel employees told me about when she redeemed her points.

I am currently at the gold stage and have a free night that I have to use before August. I only have two more nights to go before I will have the next stage (Platinum? I haven’t checked). Once I arrive at that stage, then we will be able to see if the access also increases.

Hilton Honors, I believe is much better. At least they put a chocolate candy bar on your pillow every stay when you arrive at gold status.

I am amazed at the time and effort the writer put into writing this review. I found a lot of good information about how to decipher complicated travel rewards cards. I too agree that there are much better choices for hotel credit cards out there.