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Get Something Back With The Wyndham Rewards Visa Signature Card
The Wyndham Rewards Visa Signature Card has no annual fee, reasonable rates, few fees, and it gives its cardholders points that can be redeemed for free hotel stays in Wyndham hotels. Through convenient account access, a balance transfer option, and international use, it is a competitive card.
The bonus points earned with the Wyndham Rewards Visa Signature Card come in the way of a first purchase bonus. Signature cardholders are able to receive thousands of bonus points after the account is used the first time. The bonus points are enough to pay for free nights at a Wyndham hotel. A balance transfer does qualify as a first transaction. However, the balance transfer or purchase cannot be rescinded or returned later. When transactions occur, the points are sent to Wyndham at the close of the billing cycle after all qualifying transactions have been posted to the account. Note that if your chosen transaction is a balance transfer, there is a fee and balance transfers have their own APR. Convenience Checks and Balance Transfer Checks do not qualify for bonus points. The bonus offer is also only available to new cardholders.
From there, you can earn points. There is no annual fee to take advantage of this credit card and its awards program. Cardholders can earn several points per dollar on participating hotel stays and more than the average number of points for every dollar spent everywhere else.
In order to get the most out of your rewards program, it is best to know what hotels you can stay at. Some of the participating hotels include Wyndham Hotels and Resorts, Wingate, Hawthorn, Microtel, Ramada, Baymont, Knights Inn, Days Inn, Super 8, Howard Johnson, and Travelodge.
The way this works is you can advise during booking that you are a Wyndham Rewards member. You will provide your member number and you can make the choice to specify that you wish to use your points when you book. That way Wyndham knows that you will be using your points and you know what you will be saving on your hotel costs.
Online Account Management
One of the features of this card is the ability to manage it online. This is very important because you can keep track of your account anywhere you can access a computer. You just need to ensure that your connection is secure.
When you login to your account, you will find that you can check your balance, your available credit, and you can make a payment. You will also be able to view transactions so you can easily identify fraudulent transactions. You will also be able to view your statements online. Because you can view statements online, you can opt for paperless statements on your application so that you don't have to worry about them being mailed to you. Statements in the mail can increase the chances of identity theft since identity thieves can sometimes steal statements out of mailboxes. Online statement delivery over a secure connection can keep your account details out of the wrong hands.
To monitor your points, you can log into your Wyndham Rewards online account. Here you will be able to view points and evaluate the point tiers that you have to reach. Each point tier will specify how many free nights you can redeem your points for. You can only redeem in tiers as to not have to redeem an odd number of points since the full number of points for one night have to be redeemed.
The cost of the card is minimal through low fees. However, there is no annual fee. Many similar cards charge an annual fee in order to pay for the rewards program. This is not the case with this card, as the rewards program is a third party program that is tied to the card. For instance, you can connect your Wyndham Rewards member number to your card if you are already a member.
As for the APR, the APR is quite reasonable. There are two tiers of APR and which a person receives depends on their creditworthiness. The rates can also vary based on the market, which is based on the Prime Rate. This APR applies to purchases and balance transfers. Cash advances have a different APR. The APR for these transactions is higher. In addition to these APRs, cardholders pay small fees for balance transfers and cash advances. This fee is a small percentage of the transaction amount or a minimum dollar amount, whichever is greater.
In addition to the cash advance and balance transfer fees, cardholders that wish to use their cards internationally can do so. The card can be used where Visa is accepted, but there is a foreign transaction fee that is a percentage of the transaction. This is charged on a per transaction basis, so you may want to consider whether or not you want to use the card internationally or another means. It is entirely up to you, but using the card internationally can give you security when it comes to purchases. Using a card is much safer than using cash.
The penalty fees include a late fee and a returned payment fee. If a payment is made late, the late fee is applied. A penalty APR is also applied and Barclays reserves the right to impose this fee indefinitely. If a payment is returned due to insufficient funds, then the returned payment fee will apply. These fees can vary by state. However, there is not an over-the-credit-limit fee since the card cannot go over its limit on purchases. If Barclays' own fees cause the card to go over its limit, no over limit fee will be applied.
The Wyndham Rewards Visa Signature Card is a card that is aimed at giving its cardholders something back through rewards points that can be redeemed for hotel stays. Coupled with low rates, cardholders get the most out of their points.
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