Wyndham Rewards Earner Card review: Modest perks with no annual fee
Editor's Note
Wyndham Rewards Earner Card overview
The Wyndham Rewards Earner® Card is a no-annual-fee card from an underrated hotel brand with some properties that really provide outsize value. You don't have to stay frequently at Wyndham properties to consider adding this card to your wallet. It offers solid perks like automatic elite status and decent earnings on Wyndham stays and gas. Card rating*: ⭐⭐⭐
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
Wyndham isn't the first name I think of when it comes to hotels, but the brand has some terrific properties around the globe and a solid lineup of cobranded credit cards.
With no annual fee, the Wyndham Rewards Earner Card is an entry-level credit card in Wyndham's portfolio. Even if you don't frequently stay at Wyndham properties, you can still benefit from the card's automatic elite status, award redemption discounts and other benefits.
The recommended credit score for this card is at least 670. However, it is possible to get approved with a lower score.
Let's look at whether the Wyndham Rewards Earner Card should be in your wallet.
The information for the Wyndham Rewards Earner Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wyndham Rewards Earner Card pros and cons
| Pros | Cons |
|---|---|
|
|
Wyndham Rewards Earner Card welcome offer
New applicants for the Wyndham Rewards Earner Card can earn 30,000 bonus points after spending $1,000 on purchases within the first 90 days. These points can be used for up to four free nights.
According to TPG's January 2025 valuations, Wyndham rewards are worth 1.1 cents a piece, making these 30,000 bonus points worth $330.
It's important to note that Barclays can be very inquiry-sensitive, so I recommend being under 6/24 before applying for this card. In other words, you shouldn't have more than five hard inquiries on your credit report in the past 24 months before applying for the Wyndham Rewards Earner Card.
Additionally, I recommend being at 0/6 before applying, as some reports from Reddit users indicate that Barclays is sensitive to very recent inquiries. That means that, ideally, you shouldn't have any hard inquiries on your credit report within the past six months.
It may not make the difference between approval or rejection, but being at 0/6 and under 6/24 can raise your odds for approval.
Related: How to earn Wyndham points for your next redemption
Wyndham Rewards Earner Card benefits
The Wyndham Rewards Earner Card comes comes with automatic Wyndham Rewards Gold status. This status level includes perks like 10% bonus points on stays, preferred room selection, free Wi-Fi and late checkout.
Wyndham Rewards Gold can be valuable, especially if you don't frequent Wyndham properties often. In addition to the automatic Gold status, the card offers:
- A discount on paid and award stays: Wyndham Rewards Earner Card members receive a special cardmember rate on paid stays and a 10% discount on Go Free award stays.
- An annual points bonus: Cardholders receive 7,500 bonus points (worth $83 based on TPG's January 2025 valuations) after spending $15,000 on eligible purchases in an anniversary year.
- $0 Fraud Liability Protection
- No foreign transaction fees
While these benefits definitely don't stack up against a premium hotel card like the Hilton Honors American Express Aspire Card or the Marriott Bonvoy Brilliant® American Express® Card, I view them as more than sufficient for a card with no annual fee.
Related: The ultimate guide to earning and redeeming Wyndham Rewards
Earning points on the Wyndham Rewards Earner Card
The Wyndham Rewards Earner Card earns:
- 5 points per dollar spent on Wyndham hotels and gas
- 2 points per dollar spent on dining and at grocery stores (excludes Walmart and Target)
- 1 point per dollar spent on all other purchases (excluding Wyndham Vacation Club down payments)
Remember that you'll earn an extra 10% bonus points from Gold status on every Wyndham purchase you make with this card.
According to TPG's January 2025 valuations, this equates to a return on spend of 5.5% on Wyndham purchases and gas, 2.2% on dining and groceries and 1.1% on all other purchases.
Related: How to choose a hotel credit card
Redeeming points on the Wyndham Rewards Earner Card
With the Wyndham Rewards Earner Card, you can redeem your points for stays, airline tickets, event tickets and experiences, gas, gift cards, merchandise, charitable donations, tours and activities and an AARP membership. I typically don't see this many redemption options for hotel rewards currencies, so that's a big perk if you want flexible hotel rewards.
I always recommend using points to book Wyndham hotel stays, as that's the most valuable way to redeem your points.
Wyndham is one of the few hotel brands that still utilizes a fixed award chart rather than dynamic pricing, meaning you can still get outsize value. There are no blackout dates for Wyndham properties.
Wyndham offers two types of award redemptions: Go Free and Go Fast. Go Free uses points to cover the total cost of the room, and Go Fast uses a combination of points and cash. Cardholders will receive a 10% discount on all Wyndham Go Free hotel redemptions.
Go Free award nights are priced in three tiers: 7,500, 15,000 and 30,000 points per night. Peak-season travel and upscale or luxury properties will typically cost 30,000 points per night.
Go Fast award nights are priced in three tiers, starting at 1,500, 3,000 and 6,000 points per night plus cash.
TPG senior points and miles writer Katie Genter was able to secure award stays for just 7,500 points per night in Jeju, South Korea, and 15,000 points per night in Hawaii. She has also gotten excellent value redeeming for Vacasa stays.
You can use your points to book a Wyndham Vacation Club stay starting at 7,500 points per bedroom, per night. You can also use your points to book Caesars Rewards properties, Vacasa vacation rentals, Landal GreenParks properties and reservations on cottages.com.
Caesars properties cost 15,000 to 30,000 Wyndham Rewards points per bedroom per night. Certain blackout dates apply. Most Caesars on the Las Vegas strip will run you 30,000 points per bedroom night.
I want to note that you can only book Vacasa vacation rentals with Wyndham points if the average nightly cost, inclusive of all fees, is under $500. It costs you 15,000 points per bedroom per night for rentals with an average nightly rate under $250 and 30,000 points per bedroom per night for rentals with an average nightly rate between $250.01 and $500.
Additionally, Wyndham timeshare owners can use points to cover maintenance fees by converting them to Maintenance Dollars.
Related: Book low-end or luxury hotels to get the best value from your points
Transferring points on the Wyndham Rewards Earner Card
Wyndham has a small but mighty list of airline transfer partners. Although it has an impressive list of transfer partners, you generally will receive better value when you redeem your points for Wyndham stays than when transferring them.
Partners include notable airlines like Air Canada, Avianca, Turkish Airlines and United Airlines.
Points are transferred at a 5:1 ratio, and you must transfer at least 6,000 points. This equates to 6,000 Wyndham points, equaling 1,200 partner points or miles.
Given this transfer ratio, I strongly advise against using this as a redemption method unless you need to top off your existing points or miles balance for an award ticket.
Related: Should you transfer hotel points to airline partners?
Which card competes with the Wyndham Rewards Earner Card?
- If you prefer more Wyndham benefits: The Wyndham Rewards Earner® Plus Card is the big brother of the Wyndham Rewards Earner Card with a $75 annual fee. It offers perks like automatic Wyndham Platinum status and earns 6 points per dollar spent on Wyndham stays and gas. You'll still receive discounts on awards and cash stays, plus other perks. To learn more, check out our full review of the Wyndham Rewards Earner Plus Card.
- If you prefer a business card: The Wyndham Rewards Earner® Business Card has a $95 annual fee and comes with complimentary Wyndham Diamond status. Additionally, cardholders receive 15,000 bonus points after each cardmember anniversary. The card also comes with discounts for award and cash stays. To learn more, check out our full review of the Wyndham Rewards Earner Business Card.
- If you prefer to earn a flexible currency: The Capital One VentureOne Rewards Credit Card has no annual fee and earns 1.25 miles per dollar spent on all purchases. Capital One has an extensive roster of 15 plus-transfer partners, including Wyndham Rewards, and miles can be transferred at a 1:1 ratio. To learn more, check out our full review of the Capital One VentureOne Rewards.
The information for the Wyndham Rewards Earner Plus Card and the Wyndham Rewards Earner Business Card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
For additional options, check out our full list of the best hotel credit cards and best travel rewards credit cards.
Is the Wyndham Rewards Earner Card worth it?
Since this card has no annual fee, I see it as easy to justify having, whether you stay at Wyndham hotels frequently or not. It offers automatic Wyndham Gold status, a great earnings rate on Wyndham stays and gas and a 10% discount on all award redemptions. However, if you stay more frequently with Wyndham, I recommend looking at the Wyndham Rewards Earner Plus Card instead.
Bottom line
The Wyndham Rewards Earner Card has no annual fee, offers a great earnings rate and comes with automatic elite status. It makes sense for travelers regardless of whether they stay frequently at Wyndham properties.
Plus, a solid welcome bonus can help boost your Wyndham Rewards account balance. So, if you haven't considered opening a Wyndham credit card before, I say now is a better time than ever.
Related: Best hotel rewards programs in the world: Which one is right for you?
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 3X | Earn 3X Miles on Delta purchases. |
| 1X | Earn 1X Miles on all other eligible purchases. |
Pros
- Delta SkyClub access when flying Delta
- Annual companion ticket for travel on Delta (upon renewal)
- Ability to earn MQDs through spending
- Various statement credits for eligible purchases
Cons
- Steep annual fee of $650
- Other Delta cobranded cards offer superior earning categories
- Earn 100,000 Bonus Miles after you spend $6,000 or more in purchases with your new Card within the first 6 months of Card Membership and an additional 25,000 bonus miles after you make an additional $3,000 in purchases on the Card within your first 6 months, starting from the date that your account is opened. Offer Ends 04/01/2026.
- Delta SkyMiles® Reserve American Express Card Members receive 15 Visits per Medallion® Year to the Delta Sky Club® when flying Delta and can unlock an unlimited number of Visits after spending $75,000 in purchases on your Card in a calendar year. Plus, you’ll receive four One-Time Guest Passes each Medallion Year so you can share the experience with family and friends when traveling Delta together.
- Enjoy complimentary access to The Centurion® Lounge in the U.S. and select international locations (as set forth on the Centurion Lounge Website), Sidecar by The Centurion® Lounge in the U.S. (see the Centurion Lounge Website for more information on Sidecar by The Centurion® Lounge availability), and Escape Lounges when flying on a Delta flight booked with the Delta SkyMiles® Reserve American Express Card. § To access Sidecar by The Centurion® Lounge, Card Members must arrive within 90 minutes of their departing flight (including layovers). To access The Centurion® Lounge, Card Members must arrive within 3 hours of their departing flight. Effective July 8, 2026, during a layover, Card Members must arrive within 5 hours of the connecting flight.
- Receive $2,500 Medallion® Qualification Dollars with MQD Headstart each Medallion Qualification Year and earn $1 MQD for each $10 in purchases on your Delta SkyMiles® Reserve American Express Card with MQD Boost to get closer to Status next Medallion Year.
- Enjoy a Companion Certificate on a Delta First, Delta Comfort, or Delta Main round-trip flight to select destinations each year after renewal of your Card. The Companion Certificate requires payment of government-imposed taxes and fees of between $22 and $250 (for itineraries with up to four flight segments). Baggage charges and other restrictions apply. Delta Basic experiences are not eligible for this benefit.
- $240 Resy Credit: When you use your Delta SkyMiles® Reserve American Express Card for eligible purchases with U.S. Resy restaurants, you can earn up to $20 each month in statement credits. Enrollment required.
- $120 Rideshare Credit: Earn up to $10 back in statement credits each month after you use your Delta SkyMiles® Reserve American Express Card to pay for U.S. rideshare purchases with select providers. Enrollment required.
- Delta SkyMiles® Reserve American Express Card Members get 15% off when using miles to book Award Travel on Delta flights through delta.com and the Fly Delta app. Discount not applicable to partner-operated flights or to taxes and fees.
- With your Delta SkyMiles® Reserve American Express Card, receive upgrade priority over others with the same Medallion tier, product and fare experience purchased, and Million Miler milestone when you fly with Delta.
- Earn 3X Miles on Delta purchases and earn 1X Miles on all other eligible purchases.
- No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
- $650 Annual Fee.
- Apply with confidence. Know if you're approved for a Card with no impact to your credit score. If you're approved and you choose to accept this Card, your credit score may be impacted.
- Terms Apply.
- See Rates & Fees