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$95
Annual Fee
45,000
Hotel · Welcome Bonus
8X
Top Rate
Annual Fee
$95
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
45,000
Hotel
$3,000
Spend Required
90 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Wyndham Hotels | 8X | Core | direct | None | |
| Gas Stations | 8X | Core | any | None | |
| Advertising | 5X | Core | any | None | |
| Utilities | 5X | Core | any | None | |
| Advertisements | 5X | Core | any | None | |
| Grocery Stores | 2X | Core | any | None |
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 | #81 of 119 |
We recommend this premium business card for loyal Wyndham travelers. It offers the highest sign-up bonus, valuable anniversary rewards, and elite status benefits that exceed the annual fee cost.
We recommend this card over the other two Wyndham options for most situations. If you're seeking quick points through a sign-up bonus, this card offers the highest bonus (though the personal Earner provides the same bonus with lower spending requirements). For loyal Wyndham customers looking to keep a co-branded card, this is definitely your best choice. The 45,000-point sign-up bonus, plus 15,000 bonus points each anniversary year, makes it the most valuable of the three cards. If you maintain the card beyond the first year, the anniversary bonus could earn you two free nights annually, which more than compensates for the $95 annual fee. The fact that this business card doesn't count against your Chase 5/24 status is an additional advantage.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 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 |
$95
Annual Fee
45,000
Hotel · Welcome Bonus
8X
Top Rate
Annual Fee
$95
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
45,000
Hotel
$3,000
Spend Required
90 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Wyndham Hotels | 8X | Core | direct | None | |
| Gas Stations | 8X | Core | any | None | |
| Advertising | 5X | Core | any | None | |
| Utilities | 5X | Core | any | None | |
| Advertisements | 5X | Core | any | None | |
| Grocery Stores | 2X | Core | any | None |
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 | #81 of 119 |
We recommend this premium business card for loyal Wyndham travelers. It offers the highest sign-up bonus, valuable anniversary rewards, and elite status benefits that exceed the annual fee cost.
We recommend this card over the other two Wyndham options for most situations. If you're seeking quick points through a sign-up bonus, this card offers the highest bonus (though the personal Earner provides the same bonus with lower spending requirements). For loyal Wyndham customers looking to keep a co-branded card, this is definitely your best choice. The 45,000-point sign-up bonus, plus 15,000 bonus points each anniversary year, makes it the most valuable of the three cards. If you maintain the card beyond the first year, the anniversary bonus could earn you two free nights annually, which more than compensates for the $95 annual fee. The fact that this business card doesn't count against your Chase 5/24 status is an additional advantage.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 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 |
$95
Annual Fee
45,000
Hotel · Welcome Bonus
8X
Top Rate
Annual Fee
$95
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
45,000
Hotel
$3,000
Spend Required
90 months
Time Period
| Category | Rate | Type | Booking Method | Cap | Notes |
|---|---|---|---|---|---|
| Wyndham Hotels | 8X | Core | direct | None | |
| Gas Stations | 8X | Core | any | None | |
| Advertising | 5X | Core | any | None | |
| Utilities | 5X | Core | any | None | |
| Advertisements | 5X | Core | any | None | |
| Grocery Stores | 2X | Core | any | None |
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 | #81 of 119 |
We recommend this premium business card for loyal Wyndham travelers. It offers the highest sign-up bonus, valuable anniversary rewards, and elite status benefits that exceed the annual fee cost.
We recommend this card over the other two Wyndham options for most situations. If you're seeking quick points through a sign-up bonus, this card offers the highest bonus (though the personal Earner provides the same bonus with lower spending requirements). For loyal Wyndham customers looking to keep a co-branded card, this is definitely your best choice. The 45,000-point sign-up bonus, plus 15,000 bonus points each anniversary year, makes it the most valuable of the three cards. If you maintain the card beyond the first year, the anniversary bonus could earn you two free nights annually, which more than compensates for the $95 annual fee. The fact that this business card doesn't count against your Chase 5/24 status is an additional advantage.
Details & Terms
| Rule | Details |
|---|---|
| No CR | This business card will not show on your personal credit report, so it won't count against your 5/24 status |
| 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 |
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
Redeem 10% fewer Wyndham Rewards points for go free® awards
Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham
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.
Provides supplemental coverage for eligible damage or theft of your eligible cellular wireless telephone
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.
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 Business Credit Card offers substantial value that extends beyond the first year of card ownership. The 45,000-point sign-up bonus after spending $3,000 on purchases in the first 3 months provides an excellent foundation of Wyndham Rewards points. This bonus alone could cover:
- Up to 6 nights at properties requiring the lowest redemption rate (7,500 points per night)
- 3 nights at mid-tier properties (15,000 points per night)
- 1-2 nights at premium locations or all-inclusive resorts (30,000 points per night)
The annual 15,000 bonus points represent significant ongoing value, potentially justifying keeping this card long-term. This anniversary bonus alone can provide you with:
- 2 free nights at economy properties each year
- 1 free night at a mid-tier Wyndham location
Another major advantage is automatic Wyndham Diamond Status, which enhances your hotel experience through:
- 20% points earning bonus on stays
- Early check-in and late checkout privileges
- Suite upgrades when available
- Welcome amenity at check-in
This Diamond Status can also be matched to Caesars Rewards, offering substantial benefits for Las Vegas travelers. Additional card perks include a 10% discount on award stays and accelerated earnings of 8 points per dollar spent with Wyndham and on gas purchases, making this an excellent card for road travelers who frequently stay at Wyndham properties.
Here are some situations where this card might not be ideal for you:
- You already have one or more hotel-specific cards and cannot accommodate another one in your travel strategy
- You value stays at other properties over Wyndham
- Wyndham Diamond status offers less value than complimentary statuses available through credit cards from 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.
Your travel patterns, Wyndham property usage frequency, and Chase 5/24 status will determine which of the three co-branded Wyndham cards best suits your needs. The Wyndham Earner Plus serves as the closest personal card equivalent to the Earner Business, though several features make the business version more advantageous.
Key comparisons between the cards:
- **Wyndham Earner Business**($95 annual fee)
- 15,000 anniversary points annually
- 45,000-point sign-up bonus after $3,000 spend in first 3 months
- Automatic Diamond Status
- Doesn't impact Chase 5/24 status
- **Wyndham Earner Plus**($75 annual fee)
- 7,500 anniversary points annually
- 45,000-point sign-up bonus after $1,000 spend in first 3 months
- Automatic Platinum Status
The price difference in annual fees is easily justified by the additional 7,500 anniversary points provided by the business card. However, the personal card's significantly lower spending requirement for the welcome bonus — $2,000 less — might make it preferable if you're primarily seeking bonus points.
For those considering the no-annual-fee option, the standard Wyndham Earner card offers:
- 30,000-point sign-up bonus (after $1,000 spend in 90 days)
- Gold status
- 7,500 anniversary points (but only after spending $15,000 annually)
We cannot recommend spending $15,000 annually just to earn 7,500 additional points. That level of spending would generate substantially better returns through other credit card offerings.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
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.
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
Redeem 10% fewer Wyndham Rewards points for go free® awards
Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham
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.
Provides supplemental coverage for eligible damage or theft of your eligible cellular wireless telephone
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.
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 Business Credit Card offers substantial value that extends beyond the first year of card ownership. The 45,000-point sign-up bonus after spending $3,000 on purchases in the first 3 months provides an excellent foundation of Wyndham Rewards points. This bonus alone could cover:
- Up to 6 nights at properties requiring the lowest redemption rate (7,500 points per night)
- 3 nights at mid-tier properties (15,000 points per night)
- 1-2 nights at premium locations or all-inclusive resorts (30,000 points per night)
The annual 15,000 bonus points represent significant ongoing value, potentially justifying keeping this card long-term. This anniversary bonus alone can provide you with:
- 2 free nights at economy properties each year
- 1 free night at a mid-tier Wyndham location
Another major advantage is automatic Wyndham Diamond Status, which enhances your hotel experience through:
- 20% points earning bonus on stays
- Early check-in and late checkout privileges
- Suite upgrades when available
- Welcome amenity at check-in
This Diamond Status can also be matched to Caesars Rewards, offering substantial benefits for Las Vegas travelers. Additional card perks include a 10% discount on award stays and accelerated earnings of 8 points per dollar spent with Wyndham and on gas purchases, making this an excellent card for road travelers who frequently stay at Wyndham properties.
Here are some situations where this card might not be ideal for you:
- You already have one or more hotel-specific cards and cannot accommodate another one in your travel strategy
- You value stays at other properties over Wyndham
- Wyndham Diamond status offers less value than complimentary statuses available through credit cards from 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.
Your travel patterns, Wyndham property usage frequency, and Chase 5/24 status will determine which of the three co-branded Wyndham cards best suits your needs. The Wyndham Earner Plus serves as the closest personal card equivalent to the Earner Business, though several features make the business version more advantageous.
Key comparisons between the cards:
- **Wyndham Earner Business**($95 annual fee)
- 15,000 anniversary points annually
- 45,000-point sign-up bonus after $3,000 spend in first 3 months
- Automatic Diamond Status
- Doesn't impact Chase 5/24 status
- **Wyndham Earner Plus**($75 annual fee)
- 7,500 anniversary points annually
- 45,000-point sign-up bonus after $1,000 spend in first 3 months
- Automatic Platinum Status
The price difference in annual fees is easily justified by the additional 7,500 anniversary points provided by the business card. However, the personal card's significantly lower spending requirement for the welcome bonus — $2,000 less — might make it preferable if you're primarily seeking bonus points.
For those considering the no-annual-fee option, the standard Wyndham Earner card offers:
- 30,000-point sign-up bonus (after $1,000 spend in 90 days)
- Gold status
- 7,500 anniversary points (but only after spending $15,000 annually)
We cannot recommend spending $15,000 annually just to earn 7,500 additional points. That level of spending would generate substantially better returns through other credit card offerings.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
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.
Fast track to top-tier perks
This card comes with 3 elite status and membership benefits that can unlock priority service, upgrades, and exclusive access.
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more
Redeem 10% fewer Wyndham Rewards points for go free® awards
Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham
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.
Provides supplemental coverage for eligible damage or theft of your eligible cellular wireless telephone
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.
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 Business Credit Card offers substantial value that extends beyond the first year of card ownership. The 45,000-point sign-up bonus after spending $3,000 on purchases in the first 3 months provides an excellent foundation of Wyndham Rewards points. This bonus alone could cover:
- Up to 6 nights at properties requiring the lowest redemption rate (7,500 points per night)
- 3 nights at mid-tier properties (15,000 points per night)
- 1-2 nights at premium locations or all-inclusive resorts (30,000 points per night)
The annual 15,000 bonus points represent significant ongoing value, potentially justifying keeping this card long-term. This anniversary bonus alone can provide you with:
- 2 free nights at economy properties each year
- 1 free night at a mid-tier Wyndham location
Another major advantage is automatic Wyndham Diamond Status, which enhances your hotel experience through:
- 20% points earning bonus on stays
- Early check-in and late checkout privileges
- Suite upgrades when available
- Welcome amenity at check-in
This Diamond Status can also be matched to Caesars Rewards, offering substantial benefits for Las Vegas travelers. Additional card perks include a 10% discount on award stays and accelerated earnings of 8 points per dollar spent with Wyndham and on gas purchases, making this an excellent card for road travelers who frequently stay at Wyndham properties.
Here are some situations where this card might not be ideal for you:
- You already have one or more hotel-specific cards and cannot accommodate another one in your travel strategy
- You value stays at other properties over Wyndham
- Wyndham Diamond status offers less value than complimentary statuses available through credit cards from 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.
Your travel patterns, Wyndham property usage frequency, and Chase 5/24 status will determine which of the three co-branded Wyndham cards best suits your needs. The Wyndham Earner Plus serves as the closest personal card equivalent to the Earner Business, though several features make the business version more advantageous.
Key comparisons between the cards:
- **Wyndham Earner Business**($95 annual fee)
- 15,000 anniversary points annually
- 45,000-point sign-up bonus after $3,000 spend in first 3 months
- Automatic Diamond Status
- Doesn't impact Chase 5/24 status
- **Wyndham Earner Plus**($75 annual fee)
- 7,500 anniversary points annually
- 45,000-point sign-up bonus after $1,000 spend in first 3 months
- Automatic Platinum Status
The price difference in annual fees is easily justified by the additional 7,500 anniversary points provided by the business card. However, the personal card's significantly lower spending requirement for the welcome bonus — $2,000 less — might make it preferable if you're primarily seeking bonus points.
For those considering the no-annual-fee option, the standard Wyndham Earner card offers:
- 30,000-point sign-up bonus (after $1,000 spend in 90 days)
- Gold status
- 7,500 anniversary points (but only after spending $15,000 annually)
We cannot recommend spending $15,000 annually just to earn 7,500 additional points. That level of spending would generate substantially better returns through other credit card offerings.
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$4.80
Annual Fee
-$95
Net Annual Value
-$90.20
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 reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
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 reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
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 reimbursement up to $500 per claim for items stolen or damaged by accident within 90 days of purchase.
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.
