The Wyndham Rewards MasterCard(SM), issued by FIA Card Services, N.A., is designed for those with very good credit who are Wyndham Rewards(SM) members or plan to become a Wyndham Rewards(SM) member and would like to earn additional points from their everyday purchases.
Through the reward program, cardholders earn two points per dollar spent on purchases, and they earn 13 points per dollar spent on qualifying hotel stays (ten points through their Wyndham Rewards(SM) membership and an additional three points for using their card). Participating hotels include AmeriHost Inn®, Days Inn®, Howard Johnson®, Knights Inn®, Ramada®, Super 8®, Travelodge® (U.S. only), and Wingate Inns®, locations throughout the U.S. and Canada. There is no limit to the amount of points that can be earned, but points expire after four years.
Membership in the Wyndham Rewards(SM) program is free, and members can earn additional points through various partners, which can be combined with points earned through the cardmembership. Points are redeemable for hotel stays, dining, shopping, and auto rentals.
The card has no annual fee, a 0% introductory rate for both balance transfers and cash advance checks for the first twelve billing cycles, and a reasonably low fixed interest rate once the introductory rate expires.
Therefore, those who want to participate in the Wyndham Rewards(SM) program, would like to earn additional points as a cardmember, and will take advantage of the introductory rate will benefit most from what the Wyndham Rewards MasterCard(SM) has to offer.
Review Date: September 22, 2008
Note: The review on this card was updated on September 22, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
Intro Rate (Intro APR):
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0% APR for 12 Billing Cycles |
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Intro Applied Towards:
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Balance Transfers |
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Additional Intro Details:
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The introductory rate is 0% for the first 12 billing cycles on balance transfers and cash advance checks. |
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Purchase APR:
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9.99% / 15.99% (Fixed)
The APR for purchases is based on the Prime Rate. |
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Cash APR:
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24.99% (Fixed)
The APR for cash advances is based on the Prime Rate.
There is a minimum APR on cash advances. |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
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Annual Fee:
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$0 |
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Additional Cardholders:
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$0 |
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Grace Period:
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20 Days (Min.) |
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Late Payment Fee:
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$15 on balances up to $100; $29 on balances over $100 up to $250; $39 on balances over $250 |
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Over the Limit Fee:
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$15 on balances up to $500; $29 on balances over $500 up to $1,000; $39 on balances over $1,000 |
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Cash Advance Fee:
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3%, $10 minimum |
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Balance Transfer Fee:
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3%, $10 minimum |
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Points Per Dollar:
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2 Points |
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Additional Points:
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Earn 13 points per dollar spent on qualifying hotel stays (10 of the points are always earned as a TripRewards® member, and an additional 3 points are earned for using the TripRewards® MasterCard® Credit Card). TripRewards® members have th |
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Point Details:
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Hotels that qualify for additional points include AmeriHost Inn®, Days Inn®, Howard Johnson®, Knights Inn®, Ramada®, Super 8®, Travelodge® (U.S. only), and Wingate Inns®, locations throughout the U.S. and Canada. Points are |
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Expiration:
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4 Years |
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Yearly Limit:
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None |
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Most Attractive Feature(s):
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| Very low fixed APR for purchases and balance transfers for those who qualify; 0% introductory offer; access to reward program; no annual fee. |
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Least Attractive Feature(s):
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| No extraordinary benefits or discounts offered to cardholders aside from the reward program. |
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Additional Features:
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| See website for additional benefits. |
| This card is issued by FIA Card Services, N.A. The fixed APR for purchases and balance transfers varies according to the applicant's credit history and will be either 9.99% or 15.99%. TripRewards® membership is free. Visit www.triprewards.com for more information on their program. See website for complete terms and conditions of card usage and application disclosure. |
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