Tag Archives: Wyndham Rewards

I Paid $3,009 in Credit Card Annual Fees in 2021 – Was it Worth it?

Updated at 1pm PT on 12/16/21: I forgot to include the value of my Hilton Free Night Certificate from my American Express Hilton Honors Aspire Credit Card.  That increased the total another $200 and the info is updated below.


Good morning everyone.  If you haven’t already, please read my post from yesterday (How Much Did I Pay in Credit Card Annual Fees in 2021?).  In today’s post, I will share how much value I received from each credit card in 2021.  Today’s post is also a sequel to my 2020 post (I Paid $3,820 in Credit Card Annual Fees in 2020 – Was it Worth it?) and my 2019 post (I Paid $4,588 in Credit Card Annual Fees in 2019 – Was it Worth it?).

These 26 credit cards were opened before January 1, 2021, with the exception of my Chase Sapphire Preferred Credit Card which I opened in July 2021.  For simplicity, I did not include the value of miles or points earned from credit card spend, since that is somewhat subjective.  I counted all credits, reimbursements, retention offers, and referral bonuses at dollar face value (with airline miles and hotel points at conservative values between 0.5 CPP and 1 CPP).  For hotel free night certificates, I used a standard value of $100, with the exception of the Marriott 50K Free Night Certificate which I valued at $200.

I went through all of my credit card statements and online accounts to see which Credit Card Benefits I used in 2021 and those values are summed up in the CCB $ column.  If I received a retention offer, that is listed in the RO $ column.  I listed the credit card annual fees in the AF $ column.  Lastly, I used this formula to calculate the Profit or Loss (P / L column) for each credit card: CCB $ + RO $ – AF $ = P / L

I grouped the credit cards by issuer, sorted them by highest profit at the top, and then split them up into 3 smaller groups (LT = Laura’s card).  Here are my thoughts from the first group:

  • The retention offer on my American Express Business Platinum Card propelled that card to the top of the charts.  It was already a money maker, but the retention offer was the icing on the cake.
  • I was very diligent about using all Airline, CLEAR, Dell, Hilton Resort, Restaurant, Uber, and Wireless credits on all my AMEX cards this year.
  • I can easily get more than $100 value from the Alaska Airlines Companion Fares with trips to Hawaii or New York, or expensive last minute travel.
  • I’ve gotten so much value out of the Barclays Wyndham Rewards Earner Business Credit Card thanks to Vacasa vacation rentals.
  • Laura loves her Capital One Venture Rewards Credit Card so much, I don’t think she could ever give it up (even though I tell her the card is not worth the $59 annual fee).
Credit Card Name Credit Card Benefits CCB $ RO $ AF $ P / L
AMEX Business Platinum $300 Dell credit, $200 Airline Fee credit, $169 CLEAR credit, $30 Wireless credit, and $25 Staples AMEX Offer $724 $595 $595 $724
AMEX Hilton Honors Aspire $250 Hilton Resort credit, $250 Airline Fee credit, $200 Restaurant credit, and $200 value from Hilton Free Night Certificate $900 $0 $450 $450
AMEX Delta Gold Business $90 Wireless credit and I closed this credit card to avoid paying the $99 annual fee $90 $0 $99 $90
AMEX Gold $100 Airline Fee credit, $100 Dining credit, $100 Uber credit, and $25 1-800-FLOWERS AMEX Offer $325 $0 $250 $75
Bank of America Alaska Airlines (LT) $100 value from the Alaska Airlines Companion Fare $100 $0 $75 $25
Bank of America Alaska Airlines Business $100 value from the Alaska Airlines Companion Fare $100 $0 $75 $25
Barclays Wyndham Rewards Earner Business 15,000 Wyndham Rewards anniversary points ($150) and 13,500 points from the 10% cardmember discount on award stays ($135) $285 $0 $95 $190
Capital One Venture Rewards (LT) None (Laura’s go to credit card for everyday spending) $0 $0 $59 -$59

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Wyndham Timeshare Vacation Package: 4 Nights + 30K Points for $199 in Las Vegas, Orlando, Oceanside & More

Good evening everyone.  I just received an email from Club Wyndham for a 4 night stay in Las Vegas, Orlando, Oceanside and 7 other cities + 30,000 Wyndham Rewards Points for $199.  There are also some options for a 3 night stay + 15,000 Wyndham Rewards Points for $149.  These are some of the highest bonuses I have ever seen for Wyndham vacation packages.  These vacation packages require attending a 2 hour timeshare presentation (please see the terms and conditions before booking).  You may be able to get an even better deal if you call the Club Wyndham phone number (1-855-895-3640).  The phone reps really want people to attend the timeshare presentation and have the power to give you more incentives, like more free points or a prepaid gift card.  I also saw some offers that came with SeaWorld tickets, AMEX gift cards, Caesars Rewards gift cards, and more.

I’m not sure if this matters, but I am in California, I have Wyndham Rewards Diamond Elite Status and I have the Barclays Wyndham Rewards Earner Business Credit Card.  I didn’t see a book by date on the email, so I am not sure how long this promotion will last.  Here is the email I received from Club Wyndham:

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Booking Vacasa Vacation Rentals with Wyndham Rewards Points is Really Easy (Just Call)

Good afternoon everyone.  A few months ago in April 2021, I wrote about My Experience Booking Vacasa Vacation Rentals with Wyndham Rewards Points.  The booking process has come a long way since April, so I wanted to provide an update and show how easy and quick it is to book a Vacasa Vacation Rental using your Wyndham Rewards Points.  Here are the steps I recommend:

  1. Start your search here: https://www.vacasa.com/search?maxbeds=1&maxrate=350&place=/usa/ (this will show all properties that have 1 bedroom and cost less than $350 / night)
  2. Enter the city or state you are interested in
  3. Enter your check in and check out dates (this will only show properties that are available for the duration of your stay)
  4. Then look at all the properties that have ratings / reviews, focusing your attention on properties that have the best / most / recent ratings
  5. Then look at the photos and read the description (some properties charge a resort fee or parking)
  6. Once you have identified your top 1-3 properties, it is time to book the reservation

For an upcoming trip to Maui, I settled on this Vacasa Vacation Rental: Hale Kai O Kihei 207 – Kihei, HI

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Wyndham Timeshare Vacation Package: 3 Nights + 15K Points for $149 in Las Vegas, Orlando, Oceanside & More

Good morning everyone, I hope your week is going well.  This morning, I received an email from Wyndham Vacation Resorts for a 3 night stay in Las Vegas, Orlando, Oceanside and 6 other cities + 15,000 Wyndham Rewards Points for $149.  You have more destinations available and it’s $50 cheaper than the Wyndham Vacations Resorts deal I wrote about in September.  These vacation packages require attending a 2 hour timeshare presentation (please see the terms and conditions before booking).  You may be able to get an even better deal if you call the Wyndham Vacation Resorts phone number (1-877-393-8405).  The phone reps really want people to attend the timeshare presentation and have the power to give you more incentives, like more free points or a $100 Visa gift card.

I’m not sure if this matters, but I am in California, I have Wyndham Rewards Diamond Elite Status and I have the Barclays Wyndham Rewards Earner Business Credit Card.  You need to book your reservation by November 24 and you must complete your stay within 12 months.  Here is the email I received from Wyndham Vacation Resorts:

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4 Buy Miles / Points Promos Ending Soon: IHG (100%), Choice (30%), Wyndham (25%), & Southwest (75%)

Good evening everyone, I hope your weekend is going well.  I was working on my Buy Miles & Points Page and found 4 offers that are ending soon.  Always check the math to make sure that buying miles & points makes sense for you.  Do not buy miles & points speculatively unless you have a use in mind.  With that said, here are 4 offers that end soon.  Up first, IHG Hotels is offering up to a 100% bonus, depending on the number of IHG Rewards Club Points you purchase.  This offer expires tomorrow – November 8.

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