Wyndham Rewards® Visa Signature® Card review: Good for no annual fee, but limited earning power

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In a Nutshell

If you spend plenty of time on the road and like to stay at Wyndham hotels, the Wyndham Rewards® Visa Signature® Card could help you save money on gas and earn rewards points to redeem for hotel stays. But while the card offers nice rewards with no annual fee, you could find more powerful cards elsewhere.

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Pros Cons
First use of the card for a purchase or balance transfer earns enough bonus points for up to two rewards nights You might get a different card with fewer benefits than the one you apply for
Enjoy a more comfortable stay with automatic status benefits Disappointing rewards rate for hotel purchases
Earn an elevated rewards rate for qualifying gas, utility and grocery store purchases Heads up: There’s another version of the card with the same name, and it has an annual fee
No annual fee

4 things to know about the Wyndham Rewards® Visa Signature® Card

1. Score a rewards night with first use of the card 

Normally, we wouldn’t be that impressed by this card’s sign-up bonus. But with the Wyndham Rewards® Visa Signature® Card, you can earn 15,000 bonus points after first use of the card for a purchase or balance transfer — enough to book two free nights at a Wyndham hotel.

Also, the Wyndham Rewards® Visa Signature® Card doesn’t charge an annual fee, so this bonus is actually pretty nice considering there’s no upfront cost. Plus, you don’t have to spend a lot to earn it.

2. But it’s difficult to earn a second hotel night

Once you use that sign-up bonus, you might have a hard time earning enough points to score another night at a Wyndham hotel.

The Wyndham Rewards® Visa Signature® Card offers just three points for every $1 you spend at participating hotels. That’s a much lower rewards rate than what you could earn with a competing hotel credit card like the Hilton Honors Card from American Express, which offers seven points per $1 spent on Hilton stays.

To put the rate in perspective, you’d have to spend $5,000 at Wyndham hotels to earn another rewards night.

The good news is you’ll also earn two points for every $1 you spend on gas, groceries and utilities with the Wyndham Rewards® Visa Signature® Card. These everyday expenses could add up to earn you a nice number of rewards points over time.

3. You’ll enjoy a more comfortable stay

Rest assured — you can sleep easy with the Wyndham Rewards® Visa Signature® Card.

First, the Wyndham Rewards® Visa Signature® Card offers a complimentary Gold Level membership status. This allows you to check out late and choose your preferred room (within the same category) at participating hotels. While you won’t be allowed to upgrade to a more expensive room, you could request a room with a better view, more space or one that’s been renovated — so long as it’s in the same category as the one you paid for.

4. There’s another version of the card with the same name

Unfortunately, you’re not guaranteed to get the Visa Signature version of the Wyndham Rewards® Visa Signature® Card — even if you’re approved. Barclays, the bank that issues this card, says you could get a Visa Platinum card instead.

To make matters even more complicated, there’s another version of the Wyndham Rewards® Visa Signature® Card — with the same name and everything — that comes with a $75 annual fee. This card, which offers you the potential to earn more sign-up bonus points, includes complimentary Platinum status and generally offers more than the version we’re reviewing here.

Before deciding which card to apply for, consider if you’re willing to pay an annual fee and how much use you might get out of the card. And remember to apply for the right one, because you don’t want to end up with the wrong one or have your application denied for a card you didn’t even want.

The best hotel credit cards with no annual fee of 2019

Understanding your points and redemption options

It costs anywhere from 7,500 to 30,000 points to get a rewards night at a Wyndham hotel. But keep in mind that Wyndham has blackout dates that could restrict you from booking a rewards stay on the night you want.

You can also redeem your points earned with the Wyndham Rewards® Visa Signature® Card for airfare, car rentals, gift cards and merchandise.

Who this card is good for

The Wyndham Rewards® Visa Signature® Card is good for travelers who frequently stay at Wyndham hotels.

This could include business professionals who are always on the road and need to cut travel costs. The earnings rate of two points per every $1 spent on gas purchases is a nice bonus, in particular. It could also make your stay a little more comfortable thanks to the complimentary Gold Level status.

But if you’re looking for the potential to earn more sign-up bonus points, you might want to consider the version of the card with a $75 annual fee.

Not sure this card is right for you? Consider these alternatives.

If you don’t stay at Wyndham hotels on a regular basis, you might be more interested in another hotel card.