Don’t Cringe: How I Decided On Our Most Recent Card Application

by joeheg

It’s been over six months since our most recent card application. That when I got a bonus offer for the Bilt Rewards Mastercard. For the end of 2022, I was focused on hitting the spending requirement to get an extra free night from the World of Hyatt card.

While I can try to maximize our point earnings by spreading out our expenses over several cards, there’s nothing like a good sign-up bonus to boost your point balances.

But which card should I get?

While there are several good offers available, I’m either not eligible or not interested.

When it comes to airline miles, I have enough American AAdvantage and United MileagePlus points for our needs, and I have plenty of AMEX Membership Rewards if I need to redeem a Delta SkyMiles award.

For hotels, I’m set with IHG, Hilton and Marriott points for our upcoming trips.

What card do you get when you don’t need to add to your balances? You get a card from a program where you have a zero balance but could get points for an upcoming stay.

So we applied for the Wyndham Earner Business Card from Barclays.

a blue credit card with a city skyline

I knew I was taking a risk as getting approved for a business card from Barclays is notoriously difficult. However, I took a chance because we have a decent relationship with the bank by keeping the Arrival+ card and a JetBlue Plus account.

I applied for the card because it offers 45,000 Wyndham Rewards points after spending $2,000 in purchases in the first 90 days.

That’s enough for 3 nights at the LaQuinta in New Braunfels, TX, which goes for $200+ a night during the busy season. So I’m getting $600 in value from the signup bonus alone.

In addition, the Wyndham Earner Business card comes with automatic Wyndham Rewards Diamond status.

I know that some people are cringing. They’d rather stay home than stay at a Wyndham hotel. But we’re not those people. If we’re able to make an extra trip to our favorite waterpark and have the hotel expense covered by a sign-up bonus, that’s fine by us.

More on the application process and if we were approved for the Wyndham Earner Business card in an upcoming post.

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