Rating: 5 Stars
Bottom Line:
For Frequent Wyndham Travelers Who Don’t Want To Pay An Annual fee
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 13 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: | None |
| 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, enough for up to 2 Free Nights
- 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 3 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 Gold Membership and enjoy perks like preferred room selection, late checkout and more
Is Wyndham Rewards Visa Signature No Annual Fee worth it?
Wyndham Rewards Visa Signature No Annual Fee is a great card for people who stay at Wyndham properties from time to time. 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. Unlike the Wyndham Rewards Visa Signature Annual Fee, this no annual fee version does not have an anniversary point bonus.
The rewards rate is 13 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 No 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 Gold membership, including complimentary priority phone line at Member Services, preferred room selection, late checkout, and a 10% accelerated earning points bonus on bonus points at qualified stays. In plain English, this means you get 10% 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 15,000 points is enough for at least 1 night at hotels that are relatively upscale, as defined by Wyndham, and up to 2 nights at hotels that are relatively budget-oriented.
To decide if the card is worth renewing, let’s look at how much it takes to earn a free night. If you were to book 10 $110 nights with your Wyndham Rewards Visa Signature No Annual Fee card, you would receive one $110 night worth 15,000 points. In contrast, it would take you only 1 booking to get the free night with the annual fee version of this card, which costs $75 annually to renew and comes with 6,000 bonus points each year. That said, with no annual fee, there’s no downside to getting this card, and if you stay at Wyndham hotels enough to earn free nights, Wyndham Rewards Visa Signature No Annual Fee is a great card for you.
Pros
- Earn 15,000 bonus points after your first purchase
- Earn 3 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 Gold Membership and enjoy perks like preferred room selection, late checkout and more
- No foreign transaction fee
Cons
Why 5 Stars?
Regular APR
4 Stars
Intro APR
5 Stars
Fees
5 Stars
Perks
4 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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