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$0
Annual Fee
30,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wyndham Rewards
Point Valuation
0.7–1 cpp (mid: 1)
Credit Required
Good
30,000
Hotel
$1,000
Spend Required
90 months
Time Period
5X
5X points on eligible Wyndham purchases
5X
5X points on qualifying gas purchases
2X
2X points on dining purchases
2X
Earn 2 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
Benefits & Perks
Program & Transfers
9,000 hotels. 3 award tiers. Simple rewards.
Wyndham Rewards is the loyalty program for Wyndham Hotels & Resorts, which operates over 9,000 hotels across 24 brands in 95 countries. While best known for budget brands like Super 8, Days Inn, and La Quinta, the portfolio includes upscale properties like Wyndham Grand resorts, Dolce hotels, and Registry Collection boutique properties. The program's defining feature is its three-tier award chart — 7,500, 15,000, or 30,000 points per night — making it one of the most predictable and transparent redemption systems among hotel loyalty programs. Members earn 10 points per dollar on room rates (or 1,000 points per stay, whichever is greater), with status bonuses of 10-20% at higher tiers. Wyndham is also a transfer partner for both Capital One and Citi ThankYou Points, giving it relevance beyond its co-branded card ecosystem.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #87 of 119 |
The Wyndham Rewards Earner card is the entry-level option from this hotel chain, but we don't recommend it. Despite having no annual fee, the other Wyndham cards offer significantly better long-term value for travelers.
The Wyndham Rewards Earner card, while offering a no-annual-fee entry point into the Wyndham hotel program, falls short compared to its premium counterparts. Despite its attractive 30,000 point sign-up bonus — potentially worth up to 4 free nights at properties requiring only 7,500 points per stay — and its modest $1,000 spending requirement, this card is not our recommended choice. The other two Wyndham cards (Earner Plus and Earner Business) provide substantially better benefits, elite status tiers, and anniversary bonuses that easily justify their annual fees. For travelers looking to maximize value within the Wyndham ecosystem, investing in one of the premium options will deliver significantly better long-term returns despite their modest annual fees.
Details & Terms
| Rule | Details |
|---|---|
| Barclay 6/24 | Barclay will deny you for a seventh card if you have opened six new personal cards in the past 24 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Barclay 0/6 | You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months |
| Purchase APR | 20.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
30,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wyndham Rewards
Point Valuation
0.7–1 cpp (mid: 1)
Credit Required
Good
30,000
Hotel
$1,000
Spend Required
90 months
Time Period
5X
5X points on eligible Wyndham purchases
5X
5X points on qualifying gas purchases
2X
2X points on dining purchases
2X
Earn 2 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
Benefits & Perks
Program & Transfers
9,000 hotels. 3 award tiers. Simple rewards.
Wyndham Rewards is the loyalty program for Wyndham Hotels & Resorts, which operates over 9,000 hotels across 24 brands in 95 countries. While best known for budget brands like Super 8, Days Inn, and La Quinta, the portfolio includes upscale properties like Wyndham Grand resorts, Dolce hotels, and Registry Collection boutique properties. The program's defining feature is its three-tier award chart — 7,500, 15,000, or 30,000 points per night — making it one of the most predictable and transparent redemption systems among hotel loyalty programs. Members earn 10 points per dollar on room rates (or 1,000 points per stay, whichever is greater), with status bonuses of 10-20% at higher tiers. Wyndham is also a transfer partner for both Capital One and Citi ThankYou Points, giving it relevance beyond its co-branded card ecosystem.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #87 of 119 |
The Wyndham Rewards Earner card is the entry-level option from this hotel chain, but we don't recommend it. Despite having no annual fee, the other Wyndham cards offer significantly better long-term value for travelers.
The Wyndham Rewards Earner card, while offering a no-annual-fee entry point into the Wyndham hotel program, falls short compared to its premium counterparts. Despite its attractive 30,000 point sign-up bonus — potentially worth up to 4 free nights at properties requiring only 7,500 points per stay — and its modest $1,000 spending requirement, this card is not our recommended choice. The other two Wyndham cards (Earner Plus and Earner Business) provide substantially better benefits, elite status tiers, and anniversary bonuses that easily justify their annual fees. For travelers looking to maximize value within the Wyndham ecosystem, investing in one of the premium options will deliver significantly better long-term returns despite their modest annual fees.
Details & Terms
| Rule | Details |
|---|---|
| Barclay 6/24 | Barclay will deny you for a seventh card if you have opened six new personal cards in the past 24 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Barclay 0/6 | You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months |
| Purchase APR | 20.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
$0
Annual Fee
30,000
Hotel · Welcome Bonus
5X
Top Rate
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
$0
Network
Visa Signature
Rewards Currency
Wyndham Rewards
Point Valuation
0.7–1 cpp (mid: 1)
Credit Required
Good
30,000
Hotel
$1,000
Spend Required
90 months
Time Period
5X
5X points on eligible Wyndham purchases
5X
5X points on qualifying gas purchases
2X
2X points on dining purchases
2X
Earn 2 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
Benefits & Perks
Program & Transfers
9,000 hotels. 3 award tiers. Simple rewards.
Wyndham Rewards is the loyalty program for Wyndham Hotels & Resorts, which operates over 9,000 hotels across 24 brands in 95 countries. While best known for budget brands like Super 8, Days Inn, and La Quinta, the portfolio includes upscale properties like Wyndham Grand resorts, Dolce hotels, and Registry Collection boutique properties. The program's defining feature is its three-tier award chart — 7,500, 15,000, or 30,000 points per night — making it one of the most predictable and transparent redemption systems among hotel loyalty programs. Members earn 10 points per dollar on room rates (or 1,000 points per stay, whichever is greater), with status bonuses of 10-20% at higher tiers. Wyndham is also a transfer partner for both Capital One and Citi ThankYou Points, giving it relevance beyond its co-branded card ecosystem.
Reviews & Analysis
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #87 of 119 |
The Wyndham Rewards Earner card is the entry-level option from this hotel chain, but we don't recommend it. Despite having no annual fee, the other Wyndham cards offer significantly better long-term value for travelers.
The Wyndham Rewards Earner card, while offering a no-annual-fee entry point into the Wyndham hotel program, falls short compared to its premium counterparts. Despite its attractive 30,000 point sign-up bonus — potentially worth up to 4 free nights at properties requiring only 7,500 points per stay — and its modest $1,000 spending requirement, this card is not our recommended choice. The other two Wyndham cards (Earner Plus and Earner Business) provide substantially better benefits, elite status tiers, and anniversary bonuses that easily justify their annual fees. For travelers looking to maximize value within the Wyndham ecosystem, investing in one of the premium options will deliver significantly better long-term returns despite their modest annual fees.
Details & Terms
| Rule | Details |
|---|---|
| Barclay 6/24 | Barclay will deny you for a seventh card if you have opened six new personal cards in the past 24 months. |
| No 5/24 | Card approval not subject to 5-personal-cards-in-24-months rule |
| Barclay 0/6 | You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months |
| Purchase APR | 20.74%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
Media & Resources
| Source | Date | URL |
|---|---|---|
| — | — | View source |
| — | — | View source |
| — | — | View source |
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Wyndham Rewards Insider subscription launched at $95/year, offering member-rate discounts, free breakfast at select properties, bonus points, and exclusive perks beyond standard free membership.
Citi ThankYou Rewards added Wyndham as a transfer partner, enabling 1:1 transfers from premium Citi cards.
Wyndham partnered with Vacasa to allow points redemptions at vacation rental properties — 15,000 or 30,000 points per bedroom per night depending on cash rate.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Wyndham Merida — Junior Suite King for 7,500 points | 7,500 | — | — | central_america |
| TRYP by Wyndham Jerusalem Bat Sheva | 7,500 | — | — | middle_east |
| The New Yorker, A Wyndham Hotel (NYC) | 30,000 | — | — | united_states |
| Wyndham Grand Clearwater Beach (Florida) | 30,000 | — | — | united_states |
| Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort | 30,000 | — | — | caribbean |
| Akti Imperial Deluxe Resort & Spa Dolce by Wyndham (Rhodes, Greece) | 30,000 | — | — | europe |
| Wyndham Reef Resort Grand Cayman (all-inclusive) | 30,000 | — | — | caribbean |
| Shell Vacations Club Kona Coast Resort (Hawaii) | 15,000 | — | — | united_states |
| Club Wyndham Midtown 45 (NYC) | 15,000 | — | — | united_states |
| Club Wyndham National Harbor (Maryland/DC) | 15,000 | — | — | united_states |
| Wyndham Grand Istanbul Levent (Turkey) | 30,000 | — | — | middle_east |
| Wyndham Grand Orlando Resort Bonnet Creek (Florida) | 30,000 | — | — | united_states |
The Wyndham Rewards Earner credit card offers several compelling benefits, particularly for a card with no annual fee:
- **Generous sign-up bonus**: Earn 30,000 points after spending just $1,000 in the first 90 days of card membership.
- **High value redemptions**: Free nights start at just 6,750 points (10% discount off the standard 7,500-point redemption rate), meaning your sign-up bonus could provide up to 4 free hotel stays.
The card also provides competitive earning rates for everyday spending:
- 5x points at Wyndham properties
- 5x points on gas purchases
- 2x points on dining and groceries
- 1x points on all other purchases
Additionally, you receive automatic Wyndham Gold Status, which includes perks like preferred room selection, late checkout, and a dedicated customer service line.
While the card advertises 7,500 bonus points on your account anniversary, this benefit requires spending $15,000 annually to qualify. Unfortunately, this spending requirement significantly diminishes the value of this perk, as that same spending could potentially earn more valuable rewards through other credit card offerings.
Here are situations where this card might not be suitable for you:
- You plan to keep the card beyond the first year, as both the Wyndham Rewards Earner Plus and Business cards offer better benefits despite having annual fees
- You already have one or more hotel-specific cards and don't have room for another
- You value stays at other properties over Wyndham
- Wyndham Gold status isn't as valuable as complimentary statuses offered through credit cards at many other hotel chains
**Wyndham is towards the bottom of our hotel points list. It’s not a good utility point system to just hold points.**
- Questionable room quality and cleanliness.
- Their points expire – even when you’re a cardholder.
- Difficulty in collecting points for more than a few stays.
- If you love a specific Wyndham hotel (including resorts), getting a card might be worth it.
Wyndham offers three different credit cards, with the Wyndham Rewards Earner card being the least appealing option. While its main selling point is having no annual fee, the other two cards provide significantly better value that justifies their modest annual fees.
Let's compare the key differences:
- **Welcome Offers**: Both the Wyndham Rewards Earner Plus and Wyndham Rewards Earner Business cards offer 45,000 point welcome bonuses, compared to just 30,000 points with the basic Earner card.
- **Spending Requirements**: The Business card requires $3,000 in spending to earn its bonus, while both the Earner Plus and basic Earner card require only $1,000.
The anniversary bonuses represent a major difference between these cards:
- The Business card provides 15,000 bonus points each anniversary year with a $95 annual fee
- The Earner Plus offers 7,500 anniversary bonus points with a $75 fee
- The basic Earner card requires spending $15,000 to receive just 7,500 anniversary points
Neither the Business nor the Earner Plus card requires additional spending to earn their anniversary bonuses, making them significantly more valuable than the basic Earner card. Additionally, the Business card offers Diamond Status while the Earner Plus provides Platinum Status. The Business card also features enhanced point-earning multipliers on everyday spending categories.
When considering long-term value, either premium option outperforms the no-annual-fee Earner card, even accounting for their modest annual fees.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Free nights cost 7,500, 15,000, or 30,000 points per night depending on the property. Wyndham Earner cardholders get a 10% discount, reducing costs to 6,750, 13,500, or 27,000 points.
A qualifying night is any night during a qualifying stay with an average rate of at least $25. Free nights booked with Wyndham Rewards and discounted points+cash nights also count, helping you earn status faster.
Yes. Points expire three years after they are earned. Your entire balance is also forfeited if you have no account activity for 18 months. Earning, redeeming, or transferring points resets the inactivity clock.
Free. Blue membership is complimentary with no spending requirements. You earn at least 1,000 points per stay, get free Wi-Fi, member rates, and rollover qualifying nights.
Yes. Capital One miles transfer at 1:1. Citi ThankYou Points transfer at 1:1 with premium cards (Strata Premier, Strata Elite) or 5:4 with non-premium cards (Strata, Double Cash, Custom Cash).
Over 9,000 hotels across 24 brands in 95 countries, including Wyndham Grand, La Quinta, Ramada, Days Inn, Super 8, Microtel, Howard Johnson, TRYP, Registry Collection, Dolce, and Trademark Collection.
Yes. Wyndham partners with Vacasa for vacation rentals bookable at 15,000 or 30,000 points per bedroom per night. Rentals averaging $250/bedroom/night or less cost 15,000 points; $250-$500 cost 30,000 points. Must book by phone.
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Wyndham Rewards Insider subscription launched at $95/year, offering member-rate discounts, free breakfast at select properties, bonus points, and exclusive perks beyond standard free membership.
Citi ThankYou Rewards added Wyndham as a transfer partner, enabling 1:1 transfers from premium Citi cards.
Wyndham partnered with Vacasa to allow points redemptions at vacation rental properties — 15,000 or 30,000 points per bedroom per night depending on cash rate.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Wyndham Merida — Junior Suite King for 7,500 points | 7,500 | — | — | central_america |
| TRYP by Wyndham Jerusalem Bat Sheva | 7,500 | — | — | middle_east |
| The New Yorker, A Wyndham Hotel (NYC) | 30,000 | — | — | united_states |
| Wyndham Grand Clearwater Beach (Florida) | 30,000 | — | — | united_states |
| Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort | 30,000 | — | — | caribbean |
| Akti Imperial Deluxe Resort & Spa Dolce by Wyndham (Rhodes, Greece) | 30,000 | — | — | europe |
| Wyndham Reef Resort Grand Cayman (all-inclusive) | 30,000 | — | — | caribbean |
| Shell Vacations Club Kona Coast Resort (Hawaii) | 15,000 | — | — | united_states |
| Club Wyndham Midtown 45 (NYC) | 15,000 | — | — | united_states |
| Club Wyndham National Harbor (Maryland/DC) | 15,000 | — | — | united_states |
| Wyndham Grand Istanbul Levent (Turkey) | 30,000 | — | — | middle_east |
| Wyndham Grand Orlando Resort Bonnet Creek (Florida) | 30,000 | — | — | united_states |
The Wyndham Rewards Earner credit card offers several compelling benefits, particularly for a card with no annual fee:
- **Generous sign-up bonus**: Earn 30,000 points after spending just $1,000 in the first 90 days of card membership.
- **High value redemptions**: Free nights start at just 6,750 points (10% discount off the standard 7,500-point redemption rate), meaning your sign-up bonus could provide up to 4 free hotel stays.
The card also provides competitive earning rates for everyday spending:
- 5x points at Wyndham properties
- 5x points on gas purchases
- 2x points on dining and groceries
- 1x points on all other purchases
Additionally, you receive automatic Wyndham Gold Status, which includes perks like preferred room selection, late checkout, and a dedicated customer service line.
While the card advertises 7,500 bonus points on your account anniversary, this benefit requires spending $15,000 annually to qualify. Unfortunately, this spending requirement significantly diminishes the value of this perk, as that same spending could potentially earn more valuable rewards through other credit card offerings.
Here are situations where this card might not be suitable for you:
- You plan to keep the card beyond the first year, as both the Wyndham Rewards Earner Plus and Business cards offer better benefits despite having annual fees
- You already have one or more hotel-specific cards and don't have room for another
- You value stays at other properties over Wyndham
- Wyndham Gold status isn't as valuable as complimentary statuses offered through credit cards at many other hotel chains
**Wyndham is towards the bottom of our hotel points list. It’s not a good utility point system to just hold points.**
- Questionable room quality and cleanliness.
- Their points expire – even when you’re a cardholder.
- Difficulty in collecting points for more than a few stays.
- If you love a specific Wyndham hotel (including resorts), getting a card might be worth it.
Wyndham offers three different credit cards, with the Wyndham Rewards Earner card being the least appealing option. While its main selling point is having no annual fee, the other two cards provide significantly better value that justifies their modest annual fees.
Let's compare the key differences:
- **Welcome Offers**: Both the Wyndham Rewards Earner Plus and Wyndham Rewards Earner Business cards offer 45,000 point welcome bonuses, compared to just 30,000 points with the basic Earner card.
- **Spending Requirements**: The Business card requires $3,000 in spending to earn its bonus, while both the Earner Plus and basic Earner card require only $1,000.
The anniversary bonuses represent a major difference between these cards:
- The Business card provides 15,000 bonus points each anniversary year with a $95 annual fee
- The Earner Plus offers 7,500 anniversary bonus points with a $75 fee
- The basic Earner card requires spending $15,000 to receive just 7,500 anniversary points
Neither the Business nor the Earner Plus card requires additional spending to earn their anniversary bonuses, making them significantly more valuable than the basic Earner card. Additionally, the Business card offers Diamond Status while the Earner Plus provides Platinum Status. The Business card also features enhanced point-earning multipliers on everyday spending categories.
When considering long-term value, either premium option outperforms the no-annual-fee Earner card, even accounting for their modest annual fees.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Free nights cost 7,500, 15,000, or 30,000 points per night depending on the property. Wyndham Earner cardholders get a 10% discount, reducing costs to 6,750, 13,500, or 27,000 points.
A qualifying night is any night during a qualifying stay with an average rate of at least $25. Free nights booked with Wyndham Rewards and discounted points+cash nights also count, helping you earn status faster.
Yes. Points expire three years after they are earned. Your entire balance is also forfeited if you have no account activity for 18 months. Earning, redeeming, or transferring points resets the inactivity clock.
Free. Blue membership is complimentary with no spending requirements. You earn at least 1,000 points per stay, get free Wi-Fi, member rates, and rollover qualifying nights.
Yes. Capital One miles transfer at 1:1. Citi ThankYou Points transfer at 1:1 with premium cards (Strata Premier, Strata Elite) or 5:4 with non-premium cards (Strata, Double Cash, Custom Cash).
Over 9,000 hotels across 24 brands in 95 countries, including Wyndham Grand, La Quinta, Ramada, Days Inn, Super 8, Microtel, Howard Johnson, TRYP, Registry Collection, Dolce, and Trademark Collection.
Yes. Wyndham partners with Vacasa for vacation rentals bookable at 15,000 or 30,000 points per bedroom per night. Rentals averaging $250/bedroom/night or less cost 15,000 points; $250-$500 cost 30,000 points. Must book by phone.
Combined Protection Value
$6,350
Get reimbursed up to $2,000 per person when a trip is canceled or interrupted due to covered reasons like illness or severe weather.
Get coverage for collision damage, theft, and loss-of-use when renting a car. Coverage type (primary vs secondary) varies by issuer.
Get an additional year of warranty protection on eligible electronics and appliances with original warranties of 3 years or less.
Access 24/7 multilingual travel assistance including medical referrals, legal help, emergency cash, and lost luggage support.
Get reimbursed up to $3,000 per person per trip for lost, stolen, or damaged luggage when traveling with your card.
Get reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
Wyndham Rewards Insider subscription launched at $95/year, offering member-rate discounts, free breakfast at select properties, bonus points, and exclusive perks beyond standard free membership.
Citi ThankYou Rewards added Wyndham as a transfer partner, enabling 1:1 transfers from premium Citi cards.
Wyndham partnered with Vacasa to allow points redemptions at vacation rental properties — 15,000 or 30,000 points per bedroom per night depending on cash rate.
| Route / Property | Points | Book With | Cabin/Type | Value / Region |
|---|---|---|---|---|
| Wyndham Merida — Junior Suite King for 7,500 points | 7,500 | — | — | central_america |
| TRYP by Wyndham Jerusalem Bat Sheva | 7,500 | — | — | middle_east |
| The New Yorker, A Wyndham Hotel (NYC) | 30,000 | — | — | united_states |
| Wyndham Grand Clearwater Beach (Florida) | 30,000 | — | — | united_states |
| Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort | 30,000 | — | — | caribbean |
| Akti Imperial Deluxe Resort & Spa Dolce by Wyndham (Rhodes, Greece) | 30,000 | — | — | europe |
| Wyndham Reef Resort Grand Cayman (all-inclusive) | 30,000 | — | — | caribbean |
| Shell Vacations Club Kona Coast Resort (Hawaii) | 15,000 | — | — | united_states |
| Club Wyndham Midtown 45 (NYC) | 15,000 | — | — | united_states |
| Club Wyndham National Harbor (Maryland/DC) | 15,000 | — | — | united_states |
| Wyndham Grand Istanbul Levent (Turkey) | 30,000 | — | — | middle_east |
| Wyndham Grand Orlando Resort Bonnet Creek (Florida) | 30,000 | — | — | united_states |
The Wyndham Rewards Earner credit card offers several compelling benefits, particularly for a card with no annual fee:
- **Generous sign-up bonus**: Earn 30,000 points after spending just $1,000 in the first 90 days of card membership.
- **High value redemptions**: Free nights start at just 6,750 points (10% discount off the standard 7,500-point redemption rate), meaning your sign-up bonus could provide up to 4 free hotel stays.
The card also provides competitive earning rates for everyday spending:
- 5x points at Wyndham properties
- 5x points on gas purchases
- 2x points on dining and groceries
- 1x points on all other purchases
Additionally, you receive automatic Wyndham Gold Status, which includes perks like preferred room selection, late checkout, and a dedicated customer service line.
While the card advertises 7,500 bonus points on your account anniversary, this benefit requires spending $15,000 annually to qualify. Unfortunately, this spending requirement significantly diminishes the value of this perk, as that same spending could potentially earn more valuable rewards through other credit card offerings.
Here are situations where this card might not be suitable for you:
- You plan to keep the card beyond the first year, as both the Wyndham Rewards Earner Plus and Business cards offer better benefits despite having annual fees
- You already have one or more hotel-specific cards and don't have room for another
- You value stays at other properties over Wyndham
- Wyndham Gold status isn't as valuable as complimentary statuses offered through credit cards at many other hotel chains
**Wyndham is towards the bottom of our hotel points list. It’s not a good utility point system to just hold points.**
- Questionable room quality and cleanliness.
- Their points expire – even when you’re a cardholder.
- Difficulty in collecting points for more than a few stays.
- If you love a specific Wyndham hotel (including resorts), getting a card might be worth it.
Wyndham offers three different credit cards, with the Wyndham Rewards Earner card being the least appealing option. While its main selling point is having no annual fee, the other two cards provide significantly better value that justifies their modest annual fees.
Let's compare the key differences:
- **Welcome Offers**: Both the Wyndham Rewards Earner Plus and Wyndham Rewards Earner Business cards offer 45,000 point welcome bonuses, compared to just 30,000 points with the basic Earner card.
- **Spending Requirements**: The Business card requires $3,000 in spending to earn its bonus, while both the Earner Plus and basic Earner card require only $1,000.
The anniversary bonuses represent a major difference between these cards:
- The Business card provides 15,000 bonus points each anniversary year with a $95 annual fee
- The Earner Plus offers 7,500 anniversary bonus points with a $75 fee
- The basic Earner card requires spending $15,000 to receive just 7,500 anniversary points
Neither the Business nor the Earner Plus card requires additional spending to earn their anniversary bonuses, making them significantly more valuable than the basic Earner card. Additionally, the Business card offers Diamond Status while the Earner Plus provides Platinum Status. The Business card also features enhanced point-earning multipliers on everyday spending categories.
When considering long-term value, either premium option outperforms the no-annual-fee Earner card, even accounting for their modest annual fees.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$0
Net Annual Value
+$4.80
Free nights cost 7,500, 15,000, or 30,000 points per night depending on the property. Wyndham Earner cardholders get a 10% discount, reducing costs to 6,750, 13,500, or 27,000 points.
A qualifying night is any night during a qualifying stay with an average rate of at least $25. Free nights booked with Wyndham Rewards and discounted points+cash nights also count, helping you earn status faster.
Yes. Points expire three years after they are earned. Your entire balance is also forfeited if you have no account activity for 18 months. Earning, redeeming, or transferring points resets the inactivity clock.
Free. Blue membership is complimentary with no spending requirements. You earn at least 1,000 points per stay, get free Wi-Fi, member rates, and rollover qualifying nights.
Yes. Capital One miles transfer at 1:1. Citi ThankYou Points transfer at 1:1 with premium cards (Strata Premier, Strata Elite) or 5:4 with non-premium cards (Strata, Double Cash, Custom Cash).
Over 9,000 hotels across 24 brands in 95 countries, including Wyndham Grand, La Quinta, Ramada, Days Inn, Super 8, Microtel, Howard Johnson, TRYP, Registry Collection, Dolce, and Trademark Collection.
Yes. Wyndham partners with Vacasa for vacation rentals bookable at 15,000 or 30,000 points per bedroom per night. Rentals averaging $250/bedroom/night or less cost 15,000 points; $250-$500 cost 30,000 points. Must book by phone.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
Get reimbursed up to $300 for essential purchases like clothing and toiletries when checked baggage is delayed 4+ hours.
Reimbursement up to $300 for meals and lodging after 12+ hour delay. Signature requires 12 hours vs Infinite's 6 hours.
Get reimbursement up to $250 per item when a merchant won't accept returns within 90 days of purchase (Signature tier).
24/7 roadside assistance including jump-start, lockout, towing, and fuel delivery. Services charged as flat fee per call.
