Credit Card Review & Application

Wyndham Rewards Visa Signature Card


out of 5

- Earn 12,000 bonus points after your first purchase
- Earn 3 points per $1 spent on hotel stays at 14 popular brands
- Earn 2 points per $1 spent everywhere else
- No Annual Fee
- Participating hotels in the Wyndham Rewards Visa Card Program include Wyndham Hotels and Resorts, Wyndham Grand Hotels and Resorts, and Wyndham Garden Hotels
- Program also includes TRYP, Wingate, Hawthorn, Microtel, Dream, Ramada Worldwide, Night Hotels, Baymont Inn and Suites, Days Inn, Super 8, Howard Johnson, Travelodge, and Knights Inn
- Please see Terms and Conditions for complete details

Introductory APR: See Terms*
Introductory Period: -100
APR on Purchases: 15.24% or 19.99% (variable)*
Annual Fee: $0*
Card Issuer: Barclays Bank Delaware
Card Network: VISA®
Card Category: Consumer (Premium)
Card Type: - Co-Branded Card
- Instant Decision Card
- Reward Card
Credit Needed: Good*

The Wyndham Rewards Visa Signature Card turns everyday purchases into free nights in Wyndham hotels. This is possible without an annual fee, reasonable account fees, and a competitive APR. To qualify for this card, you have to be a U.S. resident of at least 18 years of age. You must also meet the credit and income requirements. You will provide this information during the application process.

When you fill out the application, you will provide your general information. This information simply states who you are. You will then enter your employment and financial information. When you enter your financial information, you specify your job, your annual income, and whether or not you have a checking or savings account. You are also asked if you will use the card to get cash at an ATM and how many credit cards you currently own. Following this, you can enter your contact information and then your security information.

You can also opt for paperless statements. This is something that is very important because you don't have to worry about your statements coming in the mail. In fact, this is safer for you because you do not have to worry about someone getting in your mailbox and taking your credit card statement so they can steal your identity. You are also reducing your carbon footprint through paperless statements and you are able to access them at any time through your account management screen. It is through this screen that you can check your balance, your available credit, make payments, and see other card details.

As you progress through the application, you can specify whether or not you are already a Wyndham Rewards member and enter your member number. You can also choose an additional card and opt for a balance transfer. If you opt for the balance transfer, then you will have to pay a balance transfer fee and balance transfers have their own APRs. You can save a great deal of money if you transfer from a higher interest card to this card.

Once you accept the terms and conditions, you can apply. The decision will be made in 30 seconds. Once approved, the card is received within two weeks. When you receive the card, you do not have to worry about an annual fee. Barclays, the card issuer, also gives you a low APR. The exact APR that you will receive depends on your creditworthiness and the market based on the Prime Rate. The APR for purchases and balance transfers is the same. Cash advances also have their own APR that is typically higher and is also based on the Prime Rate.

You can avoid paying the APR for purchases if you pay your entire balance off before your due date. You have 23 days after the close of the billing cycle until your payment is due. Balance transfer and cash advance APRs are always charged no matter what, as well as their associated fees. Their fees are a percentage of each transaction or a minimum dollar amount. Foreign transactions fees are also charged as a percentage of the transaction. If you make a late payment, there will be a late payment fee and returned payments result in a returned payment fee. These fees can vary by state. A late payment can also result in a penalty APR being charged.

As for the points, you earn bonus points with your first purchase. These bonus points alone can result in free nights at a Wyndham hotel. From there, you earn points for everyday spending and even more for spending money on participating hotel stays with your card. Over time, you can accumulate points that will allow you to rack up the free nights at Wyndham hotels, thus saving you a great deal of money on your vacations. Instead of your lodging being your biggest investment during your trip, you can allocate money for other things. This comes in especially useful when on vacation with your family and you want to do as much as possible without your hotel getting most of your money.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Reward Types: - Hotel Reward Cards
- Travel Reward Cards
Reward Unit: Point
Rewards: - 12,000 bonus points after your first purchase
- 3 points per $1 spent on hotel stays at 14 popular brands
- 2 points per $1 spent everywhere else
Expiration: None*
Yearly Limit: None
Other Benefits: *See terms and conditions for other benefits
Online Account Access: Yes
Introductory APR: See Terms*
Introductory Period: -100*
APR on Purchases: 15.24% or 19.99% (variable)*
Annual Fee: $0*
Grace Period: 23 days*
Min Finance Charge: $2.00
Late Payment Fee: $35.00*
Over Limit Fee: $0.00
Balance Transfer: Yes
Transfer Fee (%): 4.00%
Minimum Fee: $10.00
APR Cash Advances: 25.24%
Cash Advance Fee: 5.00%
Minimum Fee: $10.00
Additional Fees Foreign Transaction: 3%
Returned Payment: $35.00

We do not offer online application for this card at the moment.

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† The information provided for Wyndham Rewards® Visa Signature® Card is believed to be accurate at the time of evaluation (Dec 31, 2014). We strongly advise visitors to review the terms and conditions to verify accuracy of the information posted prior to applying for the product.

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