[Targeted] AmEx Offer: Spend $XX & Get XX Bonus Miles (Limit 3)

The Offer

No direct link, targeted offer

  • American Express is offering some spend bonuses until 1/13/22. Each offer is different but can be done up to three times. For example:
    • Spend $8,000 and get 4,000 bonus points
    • Spend $1,000 and get 500 bonus points

The Fine Print

  • Valid until 01/13/22

Our Verdict

Good if you’re planning on spending on these cards anyway, otherwise the bonus points are marginal for most cards.

View more Amex offers here & if you have any questions abut American Express offers then read this post.

Source: doctorofcredit.com

Utilities Stocks – What They Are and Why You Should Invest in Them

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Dig Deeper

Additional Resources

Utilities are an important part of developed societies. Imagine life without access to electricity, clean water, or garbage pickup services. Things just wouldn’t be the same.

Utilities companies have capitalized on the fact that simple consumer comforts like electricity and running water are overwhelmingly valuable. Some are among the largest companies in the world, generating stable revenues and consistent growth.

No wonder so many investors want to get involved in utilities stocks.

What Are Utilities Stocks?

Utilities stocks represent utilities companies that provide basic utility services and infrastructure. These companies provide electricity, water, sewage, natural gas, dams, waste management, or a mix of these services.

The basis of the utilities industry is that there will always be a demand for basic comfort services. As such, by building and maintaining the infrastructure associated with providing these basic comforts, consumers will sign up and profits will come. Utilities are one of the only sectors for which the “if you build it, they will come” notion still holds true.

Pro tip: You can earn up to a $2,500 bonus when you open and fund a new trading account from M1 Finance. With M1 Finance, you can customize your portfolio with stocks and ETFs, plus you can invest in fractional shares. Sign up for M1 Finance.


Utilities Stock Pros and Cons

Any time you make an investment, you should weigh the pros and cons. Every investment you make has potential risks and benefits. In terms of utilities stocks, here are the most pressing pros and cons to consider.

Utilities Stock Pros

Investing in a product or service that everybody wants has its perks. Some of the biggest benefits to look forward to when investing in utilities stocks include:

1. Strong Dividend Payments

Utilities companies are part of a highly regulated industry and cash flows are highly predictable. This makes the payment of generous dividends possible. As a result, it’s not hard to find utilities companies that have dividend payout ratios well above 50%.

Stocks that pay strong dividends become great income plays. Every time the company earns money, investors receive a paycheck.

However, it’s important to remember that not all stocks are created equal in any sector. So, if you’re in these stocks for dividend payments, make sure to research a company’s history of paying and increasing its  dividend before making an investment.

2. Only One Way to Go: Up!

Experts hate it when someone says that a stock can only go one way. No matter what stock you’re invested in within any sector, there’s always a chance that you will experience declines. Nonetheless, if there’s one sector in which the strong players are most likely to see gains ahead, it’s the utilities sector.

Companies in the utilities sector serve the most basic consumer needs. Nobody wants to sit in heat all day in the summer or freeze all night during the winter. Everybody needs electricity, water, sewage, and other basic utility services.

As a result, the companies in the sector that have built the strongest infrastructure, and continue to expand their infrastructure, will likely continue to grow based solely on the fact that the human population grows every day.

According to Google, the U.S. population grows at a rate of just over half a percent per year. As a result, utilities companies in the U.S. watch as their target audience increases by more than half a percent each year. This audience increase helps to build revenues. At the same time, continued work in operational efficiencies across the utilities sector will reduce costs, only serving to expand profits.

The argument for positive movement among the top players in the utility sector is a compelling one, suggesting that the right moves in the space can lead to strong, yet stable growth.

3. Utilities Stocks Provide Economic Shields

Economic hardship happens. According to the Federal Reserve Bank of San Francisco, economic recessions take place about every five-and-a-half years and last for just under a year on average.

During economic recessions, market performance is generally poor. Concerns about economic growth lead to consumers saving more money and spending faltering. Corporations see reductions in revenue and investors look for safe-haven investing options, generally leading to a sharp decline in the values of stocks across the market.

Although utilities will see slight dips here and there, they are generally resilient in recessions. Once again, these are companies that provide basic human comforts that are in demand by every single human being on the face of the earth.

When economic conditions are concerning, consumers tend to stay home. This leads to increasing use of electricity, water, natural gas, and other home utilities. As a result, utilities stocks tend to take some of the smallest dips during economic downturns and tend to recover faster than stocks in any other sector.

4. Tax Advantages

High dividend sectors like utilities come with tax advantages. In particular, if you hold a utility stock for at least 60 days following the ex-dividend date of the stock, you are eligible for your dividends earned to be taxed as “qualified dividends,” offering up a lower tax rate.

Because utilities stocks are dividend plays, investors who invest heavily in these stocks will enjoy lower capital gains tax rates.

Pro tip: If you’re going to add utilities stocks to your portfolio, make sure you choose the best possible companies. Stock screeners can help you narrow down the choices to companies that meet your requirements. Learn more about our favorite stock screeners.

Utilities Stocks Cons

Utilities stocks have impressive upsides and are worthy of being considered by most every investor. However, it’s not all butterflies and rainbows here. As with any sector, investing in the utilities sector has its drawbacks.

1. Relatively Slow Growth

Large blue chip utilities companies do have a strong history of stable value growth, producing strong long-term gains for investors. However, this growth is slow.

The best investments in the utilities sector are made in large, well-established companies. Growth in the values of these companies depends on increasing demand and the revenue generated from that demand.

There’s no doubt that demand is increasing, but the human population only grows so fast. While the development of a new technology, medicine, or consumer goods could lead to dramatic gains for some companies in a short period of time, these types of opportunities don’t usually take place in the utilities sector.

If you’re looking for rapid growth opportunities, the utilities sector isn’t for you.

2. Losses Do Occur

Utilities stocks are touted as stable investments that provide dividend income alongside strong long-run growth. However, there’s no such thing as an investment that’s 100% safe. Whenever your money is not in your hands, it can be lost.

Not a believer? Consider one of the most well-known former names in energy and utilities:  Enron.

The company is now known as the biggest mistake made by investors in history. The company fraudulently said they were making loads of money when they were in fact losing so much that bankruptcy was imminent. As a result, thousands of investors lost millions upon millions of dollars.

Oftentimes, investors jump into the utilities sector under the guise that any investment they make in the sector will be safe. That notion couldn’t be further from the truth. Even when investing in utilities stocks, losses can happen, and investors need to do their research before shelling out their hard-earned money.


How Much of Your Portfolio Should You Invest in Utilities Stocks?

No single stock or sector should represent 100% of most investment portfolios. When you start investing, you hear a lot about diversification, and for good reason. Diversification protects your portfolio from significant losses, should one of the investments you make take a dive in value.

How much of your portfolio should be invested in utilities?

Answering this question with a blanket statement wouldn’t be fair to you. Allocation is an intimate process that takes unique aspects of your financial life and circumstances into account. Much of it depends on your investing style, your goals, and your appetite for risk.

Here are a few factors to consider when building your allocation strategy.

Your Exposure to Bonds

A properly diversified portfolio will generally have a mix of stocks and bonds. Bonds provide a lower-risk avenue for modest growth while stocks provide a higher growth potential with more volatility. Before you can dive into stock allocation, it’s important to consider how much of your portfolio will be invested in bonds so you know how much is left to allocate to stocks.

The amount of your portfolio that you allocate to bonds will depend on your appetite for risk. Higher-risk portfolios have lower exposure to bonds while lower-risk portfolios have higher exposure to bonds.

A good starting point to decide how much exposure you will have to bonds is to consider your age. If you’re 35 years old, allocating 35% of your investment portfolio to bonds is a relatively centered approach. If you’re looking for higher potential rewards and willing to accept larger risks, adjust the bond allocation down by up to 10 percentage points. If you’d like to take on less risk than the average Joe, adjust the bond allocation upward by up to 20 percentage points.

Your Goals as an Investor

Every investor enters the market with the same overall goal: to make money. However, the reason for your drive to make money may differ from that of your neighbor. You may be interested in creating a long-term retirement income while your neighbor wants to capitalize on the short-term momentum seen in some stocks. Both of you will go about investing in different ways.

If your goals as an investor are to create steady, long-term growth that comes with dividend income, utilities stocks should represent a sizable portion of your stock allocation. If your goals are to generate large profits in a short-term setting, utilities stocks shouldn’t make up much of your portfolio at all.

Of course, your goals may differ from the examples above. The key to remember here is if your goals consist of less risk and long-term rewards, high-dividend utility stocks are attractive. If you’re in it for quick trades or short-term investments in hopes of capitalizing on a momentous move in value, utility stocks aren’t your play.

The 5% Rule

When determining your stock allocation strategy, whether you’re investing in utilities or any other sector, the 5% rule is a good rule of thumb for beginners to follow. The rule suggests that you should never invest more than 5% of your portfolio into a single stock, or into any group of high-risk speculative investments.

This means that if you’re interested in the relatively low-risk utilities sector, no more than 5% of your total portfolio value should be invested in a single utility stock. However, you don’t have to max out the full 5% allocation on all the utilities stocks you own.

For example, say you’re interested in utilities stocks A, B, and C. You believe that stock A is a sure bet, stock B is a close second, and stock C comes with some risk but it’s an interesting play that you’d like to be part of. In this case, your allocation might look like this:

  • Stock A. Because you have such strong, research-driven convictions that stock A is going to be a sure winner, you invest the entire 5% allocation in this stock.
  • Stock B. You’re interested, and you’re pretty sure things are going to work out, but you don’t want to risk the full 5% of your portfolio on this company. So, you invest 3% of your portfolio to provide a decent level of exposure but offset for perceived risks.
  • Stock C. You’re on the fence with stock C. It could go either way, but you believe that if it moves up, it will see gains that outperform the sector as a whole and you don’t want to miss it. In this case, you might invest 1% of your portfolio value to provide exposure to the company while keeping in mind that the stock isn’t worth risking much more.

The 5% rule has diversification at its core. While no investment portfolio is 100% risk-free, by following the 5% rule, you will greatly reduce your exposure to significant losses regardless of the sector you’re investing in.


Final Word

Utilities stocks are a great option for the right investor. These stocks are known for providing slow, steady growth and returning value to investors by way of dividend payments.

Although there are plenty of benefits, utilities stocks are not for everyone. Due to the slow-and-steady nature of their growth, these stocks are not a good choice for investors with a heavy risk appetite who are looking for stocks that offer more momentum — unless utilities stocks are used as a safer play to balance risk in these high-risk portfolios.

It’s also important to keep in mind that whatever sectors you decide to invest in, including the utilities sector, there will always be risk. It’s important to take time to research and understand the risks you take on when making investments and balance these risks against your goals before you pony up your hard-earned greenbacks.

Do you invest in utilities stocks? What are your favorite names in the utilities sector?

.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-table-of-content-wrappadding:30px 30px 30px 30px;background-color:#f9fafa;border-color:#cacaca;border-width:1px 1px 1px 1px;.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-table-of-contents-titlefont-size:14px;line-height:18px;letter-spacing:0.06px;font-family:-apple-system,BlinkMacSystemFont,”Segoe UI”,Roboto,Oxygen-Sans,Ubuntu,Cantarell,”Helvetica Neue”,sans-serif, “Apple Color Emoji”, “Segoe UI Emoji”, “Segoe UI Symbol”;font-weight:inherit;text-transform:uppercase;.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-table-of-content-wrap .kb-table-of-content-listcolor:#001c29;font-size:14px;line-height:21px;letter-spacing:0.01px;font-family:-apple-system,BlinkMacSystemFont,”Segoe UI”,Roboto,Oxygen-Sans,Ubuntu,Cantarell,”Helvetica Neue”,sans-serif, “Apple Color Emoji”, “Segoe UI Emoji”, “Segoe UI Symbol”;font-weight:inherit;.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-table-of-content-wrap .kb-table-of-content-list .kb-table-of-contents__entry:hovercolor:#16928d;.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-table-of-content-list limargin-bottom:7px;.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-table-of-content-list li .kb-table-of-contents-list-submargin-top:7px;.kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-toggle-icon-style-basiccircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-toggle-icon-style-arrowcircle .kb-table-of-contents-icon-trigger:before, .kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:after, .kb-table-of-content-nav.kb-table-of-content-id_03170d-d1 .kb-toggle-icon-style-xclosecircle .kb-table-of-contents-icon-trigger:beforebackground-color:#f9fafa;

Source: moneycrashers.com

American Express Business Platinum Annual Fee To Increase Tomorrow, Should You Apply Now?

Update: Annual fee has been increased to $695, but only on applications after received 1/13/21.

Earlier we posted a rumor surrounding new benefits for the American Express Business Platinum, we’ve now had other sources confirm that the annual fee will be increasing tomorrow (no idea if the rumored benefits are accurate but I suspect so).

We also unfortunately do not know what the annual fee will be increased to, the personal platinum recently increased from $550 to $695 ($145 increase). The business platinum is currently $595 so I could see an increase to $695 or even $745.

The best bonus on the Business Platinum card is currently 150,000 points. My guess is that when the annual fee increases we will see a similar bonus but with an additional spending component (e.g the personal platinum offers 125,000 points + 15x on restaurants and small businesses).

It’s hard to know if signing up now before the annual fee increase comes into effect or not makes sense, but it’s something to at least consider if you’re eligible. My gut feel is that signing up now makes sense if you’re not confident you’ll be able to spend big in any possible bonus categories (my guess is that these would be construction/hardware stores, electronic goods, and shipping) and to hold off if you can spend big in those potential categories.

Source: doctorofcredit.com

Wyndham Rewards Earner® Plus Credit Card Review

At a glance

Wyndham Rewards Credit Card

Our rating

Wyndham Rewards Visa Card (Annual Fee)

  • Sign-Up Bonus: Earn 60,000 bonus points (good for up to 8 free nights) after spending $1,000 on purchases in the first 90 days. Earn an additional 30,000 bonus points (worth up to 4 free nights) after you spend at least $2,000 total within six months of account opening.
  • Rewards: Unlimited 6 points per $1 spent at eligible Wyndham hotel and resort properties and on eligible gas purchases; Unlimited 4 points per $1 spent on dining and grocery store purchases (excluding Target and Walmart); Unlimited 1 point per $1 spent on all other eligible purchases
  • Benefits: 7,500 bonus points each year on your cardmember anniversary
  • Intro APR: 0% APR for six months on all Wyndham timeshare purchases; 0% APR on balance transfers for 15 months
  • Fees: No foreign transaction fee
  • Annual Fee: $75
  • Credit Needed: Good to excellent

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Dig Deeper

Additional Resources

The Wyndham Rewards Earner® Plus Card is a hotel rewards credit card with a $75 annual fee. It has a relatively simple rewards program that favors cardholders who frequently stay at Wyndham hotel and resort properties. 

Although it’s not necessarily as well known as competitors such as Hilton and Marriott, Wyndham is a huge hospitality company with more than a dozen brands represented across thousands of hotel and resort properties. Popular Wyndham names include Microtel, Howard Johnson, Travelodge, Super 8, Wyndham Grand, TRYP, and Dolce.

Whenever you swipe your Wyndham Rewards Earner Plus Card, you earn Wyndham Rewards points, Wyndham’s loyalty currency. You generally need at least 7,500 points to redeem for a completely free night at the most budget-friendly Wyndham properties. However, if you’re willing to fork over some cash to make up the difference, you cash redeem for discounted stays with just 1,000 Wyndham Rewards points. 

Wyndham offers other redemption options, including airfare and merchandise, but at lower point values than redemptions at Wyndham properties. And, like many travel rewards cards, Wyndham Rewards Earner Plus has a fairly generous sign-up bonus worth up to four free nights.

Key Features

These are the key features of the Wyndham Rewards Earner Plus card.

Sign-Up Bonus

This card’s two-part sign-up bonus offers up to 90,000 bonus Wyndham Rewards points. That’s good for up to 12 free nights at participating Wyndham properties.

Here’s how it works:

  • Earn 60,000 bonus points after spending $1,000 on purchases in the first 90 days.
  • Earn 30,000 additional bonus points after spending a total of $2,000 on purchases in the first six months.

Earning Wyndham Rewards

Wyndham Rewards Earner Plus earns unlimited 6 Wyndham Rewards points for every $1 spent at Wyndham hotel and resort properties, and on qualifying gas purchases as well.

Eligible dining and grocery store purchases earn unlimited 4 points per $1 spent. Purchases made at Target and Walmart aren’t included in this category. 

All other eligible purchases earn 1 point per $1 spent, excluding Wyndham Timeshare resort down payments.

Redeeming Wyndham Rewards

Wyndham Rewards points can be redeemed for free nights (Go Free awards) at any participating Wyndham property — virtually every property in the portfolio, save for a handful of extremely high-end resort properties. 

Wyndham has three redemption tiers for full award night redemptions: 7,500 points, 15,000 points, and 30,000 points to earn a free room night. Higher-quality properties generally occupy the two higher rungs of the redemption ladder.

Importantly, Wyndham Rewards Earner Plus cardholders always qualify for a 10% redemption credit on Go Free award nights. That means a 15,000-point redemption requires just 13,500 net points.

To redeem points even faster, you can combine 1,000 points and a variable amount of cash (Go Fast awards) for a free night at participating Wyndham properties. Low-end properties such as Days Inn and Super 8 require less cash, while high-end properties such as Wyndham Grand and the company’s all-inclusive resorts require upwards of $150 per night. 

Non-Wyndham Redemption Options

Wyndham Rewards Earner Plus cardholders can also take advantage of some non-Wyndham redemption options. These include general merchandise, airfare, gift cards, magazines, and rental cars. Redemption minimums vary widely by redemption type and may not be available at all times.

Automatic Wyndham Rewards Platinum Membership

Cardholders in good standing automatically qualify for Wyndham Rewards Platinum Membership, whose benefits include a higher point-earning rate on paid stays, early check-in, late checkout, preferred room selection where available, and upgrades on Avis and Budget car rentals.

Anniversary Bonus

As long as your account remains open and in good standing, you receive 7,500 Wyndham Rewards points after your cardmember anniversary. That’s enough for one free night at participating Wyndham properties.

Introductory APR

Wyndham Rewards Earner Plus cardholders enjoy 0% APR on Wyndham timeshare purchases made within six months of account opening. However, there is no intro APR on regular purchases.

Additionally, cardholders who complete balance transfers within 45 days of account opening pay no interest for 15 months from account opening.

Additional Travel Benefits

Wyndham Rewards Earner Plus has some additional travel benefits, including complimentary rental car insurance, travel emergency assistance for travelers stranded far from home, and the best available rate on bookings with participating Wyndham properties.

General Benefits

This card has some useful nontravel benefits. These include:

  • Purchase protection, which provides cardholders with redress — usually replacement or reimbursement — for lost, stolen, and damaged purchases
  • Return protection, which compensates cardholders when merchants refuse to accept returned items

Important Fees

This card has a $75 annual fee. There is no foreign transaction fee.

Credit Required

This card requires good to excellent credit.


Advantages

These are the top advantages of the Wyndham Rewards Earner Plus card.

  1. Good Intro Deal for Balance Transfers. The Wyndham Rewards Earner Plus card has an unusually generous 0% APR balance transfer promotion. It’s good for 15 months from account opening. That’s longer than virtually any other travel card’s balance transfer promotion. In fact, most travel rewards cards lack balance transfer promotions altogether. If you’re in the market for a card that gets you closer to free hotel stays and helps with existing high-interest credit card balances, this is one to watch.
  2. Solid Sign-Up Bonus. Wyndham Rewards Earner Plus’ sign-up bonus totals 90,000 points, enough for up to 12 Go Free award nights. It’s also super attainable, with just $2,000 in total spending required during the first six months. 
  3. Straightforward Rewards Program. Compared to many hotel rewards programs, which can have confusing tiers and restrictions, Wyndham Rewards is pretty easy to grasp. You always need at least 7,500 points for a totally free night, no matter where you’re redeeming. This makes it a lot easier to plan free and paid travel ahead of time.
  4. Automatic Wyndham Rewards Platinum Membership. Wyndham Rewards Earner Plus cardholders automatically qualify for Platinum status, whose benefits include a higher point-earning rate on paid stays, early check-in, late checkout, preferred room selection where available, and upgrades on Avis and Budget car rentals.
  5. Excellent Value on High-End Hotel Redemptions. Wyndham Rewards offers excellent redemption values at higher-end and all-inclusive properties, whose nightly rates can easily exceed $300 and often range much higher. By contrast, most other hotel credit cards require vastly more points for high-end room redemptions — sometimes 10 or 20 times as many — relative to their cheapest options. That can severely impact their points’ redemption value. With a little foresight, you can increase the value of your Wyndham Rewards — and offset this card’s annual fee — by earning points at low-end properties and redeeming at pricier hotels and resorts.
  6. Wyndham Has Tons of Participating Properties. Wyndham’s portfolio has nearly 8,000 properties. That’s more than some competitors with superior name recognition, such as Marriott. With so many properties in the Wyndham arsenal, you’re likely to find plenty of choices — and plenty of earning and redemption options — wherever you go.
  7. Anniversary Bonus Offers a Nice Boost Each Year. This card’s 7,500-point anniversary bonus is enough to cover the entire cost (in points) of a free night award at the lowest-tier Wyndham properties. Many competing cards don’t bother with anniversary bonuses at all.
  8. Wyndham Rewards Points Don’t Expire Under Normal Circumstances. As long as you earn or redeem points within an 18-month period, your points remain active indefinitely.
  9. No Penalty APR. Wyndham Rewards Earner Plus never charges penalty interest. If you sometimes miss payments due to liquidity issues, this is a big relief. Most penalty APRs remain in effect indefinitely. Note that missing payments may still hurt your credit score.

Disadvantages

These are the most noteworthy drawbacks of the Wyndham Rewards Earner Plus card.

  1. Annual Fee. This card has a $75 annual fee. For frugal and infrequent travelers, that’s a big drawback relative to the no-annual-fee version of this card — which offers similar but less generous benefits — as well as to fee-free travel rewards cards such as the Expedia+ Card from Citi.
  2. Non-Wyndham Redemptions Have Poor Value. There’s little reason to redeem your Wyndham Rewards points for anything other than free or reduced nights at Wyndham properties, unless you’ve accumulated more points than you can realistically use. However, if that’s the case, this might not be the best card for you anyway. Non-Wyndham redemptions generally value points at less than $0.005 apiece, far lower than typical Wyndham redemption values. What’s more, many competing cards, including Chase Sapphire Preferred, let you transfer your accumulated points to other travel loyalty programs at 1-to-1 ratios. That lets you shop around for points and redemption options that maximize the value of your travel spending.

Final Word

The Wyndham Rewards Earner® Plus Card is a reasonably priced travel rewards card made for people who regularly stay at hotels and resorts in the Wyndham family. 

If you can earn enough points to offset the $75 annual fee and travel frequently enough to at least redeem your 7,500-point anniversary bonus each year, you’ll find this card a solid addition to your travel spending repertoire. 

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The Verdict

Wyndham Rewards Credit Card

Our rating

Wyndham Rewards Visa Card (Annual Fee)

The Wyndham Rewards Earner® Plus Card is a great card for frequent Wyndham guests who earn rewards quickly enough to offset the annual fee and can redeem their accumulated points at higher-end Wyndham properties. It’s among the best travel rewards cards for balance transfer candidates, not to mention people who can’t be bothered with trying to “hack” complex travel rewards programs.

On the other hand, this isn’t a great card for cardholders seeking luxurious and convenient hotel or travel perks, nor those interested in a wide range of competitively valued redemption options outside the Wyndham portfolio.

Editorial Note:
The editorial content on this page is not provided by any bank, credit card issuer, airline, or hotel chain, and has not been reviewed, approved, or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone, not those of the bank, credit card issuer, airline, or hotel chain, and have not been reviewed, approved, or otherwise endorsed by any of these entities.

Source: moneycrashers.com

How this perk works: The Chase Sapphire Preferred 10% anniversary points bonus – The Points Guy


How the new 10% anniversary points bonus on the Chase Sapphire Preferred works – The Points Guy


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Editorial Note: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Source: thepointsguy.com

Barclays Wyndham Cards: Up To 90,000 Points [Last Day]

When logged in it states ‘Limited-time offer ends 10/14/21’, unsure if it will actually end then. I’d recommend applying before then if interested in this card. Hat tip to Chris B

The Offer

Direct link to offer

  • Barclays is offering increased bonuses on the Wyndham cards of up to 90,000 points. The offers are as follows:
    • Earner Rewards: 45,000 points after you $1,000 in spend within 90 days and an additional 15,000 points after you spend a total of $2,000 within the six months
    • Earner+ Rewards: 60,000 points after you $1,000 in spend within 90 days and an additional 30,000 points after you spend a total of $2,000 within the six months
    • Earner Business: 60,000 points after you $1,000 in spend within 90 days and an additional 30,000 points after you spend a total of $2,000 within the six months

Card Details

  • Earner Rewards
    • Card earns
      • 5x points at Wyndham properties and on qualifying gas purchases
      • 2x points on eligible dining and grocery purchases
      • 1x points on all other purchases
    • No annual fee
    • Automatic Wyndham gold status
    • 10% discount on go free awards
    • Anniversary bonus of 7,500 points after you spend $15,000 on eligible purchases
  • Earner+ Rewards
    • Card earns
      • 6x points at Wyndham properties and on qualifying gas purchases
      • 4x points on eligible dining and grocery purchases
      • 1x points on all other purchases
    • Annual fee of $75, not waived first year
    • Automatic Wyndham platinum status
    • 10% discount on go free awards
    • Anniversary bonus of 7,500 points
  • Earner Business
    • Card earns
      • 8x points at Wyndham properties and on qualifying gas purchases
      • 5x points on marketing, advertising and utilities
      • 1x points on all other purchases
    • Annual fee of $95, not waived first year
    • Automatic Wyndham Diamond status
    • 10% discount on go free awards
    • Anniversary bonus of 15,00 points

Our Verdict

Previously the best bonuses were 45,000 points with the annual fee waived first year. These new offers are significantly better. All Wyndham properties used to cost 15,000 points per night, but there are now three tiers (7,500, 15,000 or 30,000) even at the most expensive properties this will give you three free nights. Always a good idea to do some searches to make sure you’ll actually be able to use the points before signing up, but this is a really good offer in my opinion. We will add these to the list of the best credit card bonuses.

Hat tip to @nick_roosevelt

Source: doctorofcredit.com