Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 daysEarn 8 points per $1 on Hotels by Wyndham and gas purchasesEarn 5 points per $1 on marketing, advertising, and utilities15,000 bonus points each anniversary yearDIAMOND member benefitsRedeem points for free nights, gift cards, and moreNo foreign transaction feesCell phone protectionVisa SavingsEdgeExtended Warranty protectionContactless TechnologyAPR for purchases, balance transfers, and cash advances varies with creditworthiness$95 annual fee Earn 8 points per $1 spent on Hotels by Wyndham and gasEarn 5 points per $1 spent on marketing, advertising and utilitiesReceive 15,000 bonus points each anniversary yearAutomatically receive a Wyndham Rewards DIAMOND member levelNo foreign transaction fees$0 Fraud Liability protectionComplimentary Employee CardsCell phone protectionExtended Warranty protection Earn up to 45,000 bonus points after spending $3,000 on purchases in the first 90 daysEarn 8 points per $1 on Hotels by Wyndham and gas purchasesEarn 5 points per $1 on marketing, advertising, and utilitiesReceive 15,000 bonus points each anniversary yearAutomatically receive Wyndham Rewards DIAMOND member levelSave on Best Available Rate at participating Hotels by WyndhamUnlimited Earning of pointsRedeem 10% fewer Wyndham Rewards points for go free awardsNo foreign transaction feesContactless Technology for payments Annual fee of $95Timeshare Purchases – 0% promotional APR for 6 billing cycles, then variable APR appliesBalance transfer fee appliesAPR for purchases and balance transfers may be relatively high depending on creditworthinessCash advance APR is 29.99% variable 
