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Wyndham Rewards Earner Business Card  ⓘ $128 1st Yr Value EstimateClick to learn about first year value estimates Up to 100K Points Non-AffiliateThis is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler 45K points after $1K spend in first 90 days + 55K points after spending $500 at Wyndham properties in the first 180 days$149 Annual Fee Click here to learn how to apply This is NOT an affiliate offer. We always present the best offer even when it means less revenue for Frequent Miler Earning rates and card benefits for cardholders before 6/17/26 are different Information about this card has been collected independently by Frequent Miler. The issuer did not provide the details, nor is it responsible for their accuracy. FM Mini Review: Changes to the card in June 2026 no longer make it an automatic keeper due to the increased annual fee. However, if you can utilize the $65 wholesale membership club credit then it does become a more compelling keeper card. Earning rate: 8X Wyndham (including Wyndham Travel Bundles) ✦ 5X Vacation Club, gas, EV charging, marketing, advertising, office supply stores, & shipping purchases ✦ 1X everywhere else ✦ (Earning rates for cardholders before 6/17/26 are different) Card Info: Visa Signature issued by Barclays. This card has no foreign currency conversion fees. Noteworthy perks: 15K points each anniversary year ✦ Diamond status ✦ 20% discount on free night awards ✦ Cardmember discount on paid stays ✦ $65 wholesale membership club credit ✦ $50 accounting software credit ✦ 15% discount—or the best available offer—when you purchase points with your Wyndham Rewards Earner® Card ✦ Complimentary Emerald Club Executive® status with National® ✦ (Card benefits for cardholders before 6/17/26 are different) Application Tips
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I think the 1st year value for this card is listed in error, not sure how 100K welcome offer is only valued at $80?
Well, for the purpose of calculating first year value, we don’t consider the welcome offer to be 100,000 points, even though you may earn that many points. For the purpose of calculating first-year value, we’re using the 45,000 points that you earn after spending $1,000 on the card in the first few months, because we don’t assume that everyone will spend $500 at a Wyndham property within 180 days.
When you subtract the opportunity cost of spending on this card and the $149 annual fee, the first-year value isn’t terribly high based on those 45,000 bonus points. There was indeed one mistake in the formula that accounted for a $3,000 spending requirement (from a previous offer) instead of the current $1,000 spending requirement. Once I fixed that, it did bump the first-year value up to $128.20, but it isn’t higher because we’re not including that additional 55,000 points. If you would spend the $500 at a Wyndham property and earn that additional 55,000 points, then the first-year value will be significantly higher for you.
The purpose of our first-year values is to provide a conservative amount of value that you can expect to get in the first year. We tend to err on the side of being more conservative in general, so we usually don’t include additional points that require spend at a specific brand in our first-year calculations. If you’ll earn the entire 100,000 points, then the offer will be worth significantly more to you. The additional 55,000 points would be worth $368.50 based on our Reasonable Redemption Value. Assuming that you were definitely going to spend that $500 and you aren’t paying more for a Wyndham just to meet the bonus and/or going out of your way to stay at a Wyndham, then you would probably add that on top of the first year value. But if you spend $500 when you would have otherwise spent $400, don’t forget to subtract that.
I think you highlight the fact that this is confusing, though, without the breakdown. We’ll look at that and discuss. Thank you for commenting!
how is 100k for $15k spend a better offer than 100k for $1,500 spend (which is essentially the current offer)
Yeah, that’s a good point. That got left in there from a previous offer, but it probably shouldn’t be listed as “better”. I’ll take that out.