Best Credit Cards For Price Protection

Card Details	The Offer	Is it Worth It?
Pros and Cons	Why 5 Stars?	Fees
Benefits

Card Details

Regular APR:	16.74%, 21.49% or 26.49% (Variable)
Intro APR (Purchases):	0% APR on all Wyndham Timeshare Purchases for 6 billing cycles
Intro APR (Balance transfers):	0% for 15 billing cycles for transfers in first 45 days
Rewards Rate:	Earn 15 total points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target and Walmart) Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments)
Credit Needed:	(670 – 850) Good/Excellent
Annual Fee:	$75
Card Brand:	Visa

*See online credit card application for details on the terms and conditions.

Offer Highlights

• Click APPLY NOW to apply online
• Earn 15,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening
• 7,500 ? 30,000 points are good for up to 1 bedroom per night, subject to availability. At participating hotels, 1 bedroom = 1 standard room. Resort fees may apply at Caesars hotels and cannot be paid with points
• Earn 5 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties plus 10 points for every qualified stay at a Wyndham Rewards hotel or vacation club resort
• Earn 2 points per $1 spent on eligible gas, utility and grocery store purchases (excluding Target and Walmart)
• Earn 1 point per $1 spent on purchases everywhere else (excluding Wyndham timeshare down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
• Automatically receive a Wyndham Rewards Platinum Membership and enjoy perks like preferred room selection, late checkout and more
• Earn 6,000 bonus points after your account anniversary each year

Is Wyndham Rewards Visa Signature Annual Fee worth it?

Wyndham Rewards Visa Signature Annual Fee is a great card for people who want the highest rewards rate and a point bonus towards a stay at Wyndham properties. Wyndham operates 9,000+ hotels, including La Quinta, Ramada, Days Inn, Baymont, Super 8, Howard Johnson, Wyndham Vacation Rentals, and has partnerships with Caesars Entertainment hotels.

The rewards rate is 15 points total per $1 at Wyndham properties and 2 points per $1 on eligible gas, utility and grocery store purchases (excluding Target and Walmart).

Hotel rewards rates generally offer a lot of points per $1. Wyndham Rewards Visa Signature Annual Fee?s points are worth less than one cent per night. Take the Art Hotel Laguna Beach, part of the Trademark Collection by Wyndham hotel and considered a lifestyle hotel by Wyndham, one $110 night could be purchased for 15,000 points. That’s $.007 per point. A more upscale Wyndham brand, Cheyenne Mountain Resort Colorado Springs, A Dolce Resort, would cost 30,000 points for a $159 per night room, bringing the redemption even lower to $0.005.

You also receive Platinum membership, including early check-in, preferred room selection, late checkout, and a 15% accelerated earning points bonus on bonus points at qualified stays. In plain English, this means you get 15% more points than the points you would have otherwise received for booking the stay.

There are two types of Wyndham Resorts redemption, Go Free, where you get the stay for free. and Go Free where you pay with a combination of points and cash. For longer stays, you can use multiple Go Free nights in a row, or you can use a Go Free night and then a Go fast night, although you may have to check out and check back in to achieve this, depending on the hotel.

The signup bonus of 30,000 points is enough for at least 2 nights at hotels that are relatively upscale, as defined by Wyndham, and up to 4 nights at hotels that are relatively budget-oriented.

If you want to redeem points for the upscale hotels, it will take a number of hotel stays, even with the high 15 points per $1 total rewards rate. For example, including the 15% bonus for being a Platinum member, it takes booking eleven $159 hotels with your Wyndham Rewards Visa Signature Annual Fee card to earn enough points to exceed the value needed for another $159 night worth 30,000 points.

If you stay at Wyndham hotels and want an annual point bonus to get you another stay along with the highest rewards rate, Wyndham Rewards Visa Signature Annual Fee is a great card for you.

Pros

• Earn 15,000 bonus points after your first purchase. Plus, earn an additional 15,000 bonus points after you spend $1,000 on purchases within the first 90 days of account opening
• Earn 5 points per $1 spent on eligible purchases made at participating By Wyndham hotels, Wyndham Vacation Rental North America properties, and Wyndham timeshare properties
• Automatically receive a Wyndham Rewards Platinum Membership and enjoy perks like preferred room selection, late checkout and more
• Earn 6,000 bonus points after your account anniversary each year
• No foreign transaction fee

Cons

• $75 annual fee

Why 5 Stars?

Regular APR

4 Stars

Intro APR

5 Stars

Fees

4 Stars

Perks

5 Stars

Overall

5 Stars. ?????

Fees

Foreign Transaction Fee	None
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	None

Benefits

$0 Fraud Liability

Auto Rental Collision Damage Waiver

Baggage Delay Reimbursement

Concierge Service

Emergency Card Replacement

Emergency Cash Disbursement

Extended Warranty Protection

Lost Luggage Reimbursement

Travel Accident Insurance

Price Protection

Purchase Protection

Return Protection

Roadside Dispatch

Travel and Emergency Assistance

Trip Cancellation/Trip Interruption Reimbursement

Trip Delay Reimbursement

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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