9 Best Credit Cards for Wyndham Rewards Loyalists [2026]

The Wyndham Rewards program’s award chart and co-branded credit cards can offer strong value to travelers, and the brand has around 9,000 hotels worldwide where you can redeem points for free nights.

Wyndham refreshed its full co-branded card lineup in 2026, adding a new premium card, adjusting earning categories, and updating several fees and benefits. The program is also expanding its award chart from 3 tiers to 4 on September 15, 2026. If you’re a Wyndham loyalist or are considering becoming one, here’s how to get the most out of your future stays with the cards that can help you earn more points and receive more benefits.

Card Summary

Best Credit Cards for Wyndham Benefits and Purchases

Hotel Benefits and General Perks

One of the most important factors of any hotel credit card is the perks it offers when you stay at that hotel chain.

Wyndham refreshed its credit card lineup in June 2026, introducing a new premium card, expanding benefits on existing cards, and changing the annual fees on some cards. Let’s begin with the details of each Wyndham co-branded card.

Wyndham Rewards^® Earner℠ Card

Wyndham Rewards^® Earner℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wyndham Rewards Earner card is a great no-annual-fee option for travelers who love Wyndham hotels.

Apply Now(at Wyndham's secure site)

Wyndham Rewards^® Earner℠ Card

The Wyndham Rewards Earner card is a great no-annual-fee option for travelers who love Wyndham hotels.

Welcome Offer

Earn up to 75,000 points when you spend $1,000 in the first 90 days (unlocks 30,000 points) and $500 on Hotels by Wyndham in the first 180 days (unlocks 45,000 points).

Up to 75,000 points

Annual Fee

$0

APR

19.24% to 29.49% Variable

Why We Like This Card

Getting elite benefits from a hotel credit card doesn’t have to come at a price, and the Wyndham Rewards^® Earner℠ Card is a perfect example of that. This no annual fee card not only allows travelers to earn additional points on all of their Wyndham stays, but also offers automatic elite status, plus discounts on award and paid nights just for having the card!

_{*Due to changes to the Wyndham Rewards^® Earner℠ Card in June 2026, those who had the card prior to that time may have different benefits than those reflected here, which are valid for new applicants.}

Pros & Cons

Pros

• 5x points at Wyndham hotels
• 3x points on dining, gas stations, EV charging, and grocery store purchases
• Automatic Wyndham Rewards Gold elite status

Cons

• Not as rewarding as other Wyndham credit cards
• Annual point bonus requires you to spend $15,000

Read Full Review

Card Highlights

• Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• Earn 5 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.
• Earn 2 points per $1 spent on eligible dining and grocery store purchases (excluding Target and Walmart).
• Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
• Due to changes to the Wyndham Rewards^® Earner℠ Card in June 2026, those who had the card prior to that time may have different benefits than those reflected here, which are valid for new applicants.

Financial Snapshot

• APR: 19.24% to 29.49% Variable
• Foreign Transaction Fees: 0% of each transaction in U.S. dollars

The Wyndham Rewards Earner card offers the least in terms of benefits, but this card can still be worthwhile, as it offers the following perks:

• Automatic Wyndham Rewards Gold status
• 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases
• Access to Go Free awards (10% discount on award stays) and Go Fast rates (points plus cash)
• Cardmember booking discount on cash stays
• No foreign transaction fees
• $0 annual fee

Wyndham Rewards^® Earner℠ Plus Card

Wyndham Rewards^® Earner℠ Plus Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wyndham Rewards Earner+ card is good for travelers looking to earn more Wyndham points and get automatic elite status.

Apply Now(at Barclays' secure site)

Wyndham Rewards^® Earner℠ Plus Card

The Wyndham Rewards Earner+ card is good for travelers looking to earn more Wyndham points and get automatic elite status.

Welcome Offer

Earn up to 100,000 points when you spend $1,000 in the first 90 days (unlocks 45,000 points) and $500 on Hotels by Wyndham in the first 180 days (unlocks 55,000 points).

Up to 100,000 points

Annual Fee

$95

APR

19.24% to 29.99% variable

Why We Like This Card

The information regarding the Wyndham Rewards^® Earner℠ Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. 

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Adding co-branded hotel credit cards to your wallet can be a great idea for casual and frequent travelers alike. These cards can help you earn more points on each stay, give you elite status with the hotel chain, and give you a free night just for holding on to the card each year.

If you visit Wyndham hotels, the Wyndham Rewards Earner+ card is worth considering.

*Due to changes to the Wyndham Rewards^® Earner℠ Plus Card in June 2026, those who had the card prior to that time may have a different annual fee and benefits than those reflected here, which are valid for new applicants.

Pros & Cons

Pros

• 6x points at Wyndham hotels
• 4x points on dining, grocery, and travel (gas, EV charging, airfare, car rentals, ride-shares, tolls, and trains)
• Automatic Wyndham Rewards Diamond elite status for 1 year, and automatic Platinum Elite status thereafter

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• Earn 6 points per $1 spent on eligible purchases made at Hotels By Wyndham.
• Earn 4 points per $1 spent on Vacation Club, travel, dining, and grocery store purchases (excluding Target and Walmart).
• Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
• Anniversary Bonus. Receive 15,000 bonus points each anniversary year after payment of your annual fee -that’s enough for up to two free nights at participating hotels every year.
• Automatically receive a Wyndham Rewards DIAMOND member level during your first year. After that, become a Wyndham Rewards PLATINUM member and enjoy perks like early check-in, late checkout, and more.
• Enjoy a Cardmember Booking Discount. Wyndham Rewards Earner Card members can save even more on our Standard Rate for stays at participating Hotels by Wyndham and hotels in Wyndham Travel Bundles.
• $50 Meal Delivery Credit. Enjoy up to $25 in statement credits back every 6 months on eligible meal delivery purchases when you pay with your card—up to $50 each calendar year.
• Unlimited Earning. There is no limit to the number of points you can earn.
• Redeem 10% fewer Wyndham Rewards points for free nights, which means you can book free nights starting at just 6,750 points.
• Book 1 Free Night Every Year. Enjoy a free night worth up to 15,000 Wyndham Rewards points after you stay five or more nights in a calendar year.
• Due to changes to the Wyndham Rewards^® Earner℠ Plus Card in June 2026, those who had the card prior to that time may have a different annual fee and benefits than those reflected here, which are valid for new applicants.

Financial Snapshot

• APR: 19.24% to 29.99% variable
• Foreign Transaction Fees: 0% of each transaction in U.S. dollars

With its $95 annual fee, the Wyndham Rewards Earner+ card takes things up a notch.

• Wyndham Rewards Diamond status for the first year after card approval, and automatic Wyndham Rewards Platinum status each year thereafter
• 15,000 bonus points each account anniversary, after the annual fee posts (double the prior 7,500)
• A free night award (worth 15,000 points) each year after you stay 5 nights
• Access to Go Free awards (10% discount on award stays) and Go Fast rates (points plus cash)
• New Points Payback feature, letting you redeem points for a statement credit
• Emerald Club Executive status with National Car Rental
• Cardmember booking discount on cash stays
• Up to $50 annually in credits for meal delivery purchases (up to $25 every 6 months)
• No foreign transaction fees

Wyndham Rewards Earner^® Premier Card

Wyndham Rewards Earner^® Premier Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wyndham Rewards Earner Premier card is for Wyndham loyalists who want top-tier elite status and beneficial perks during stays.

Wyndham Rewards Earner^® Premier Card

The Wyndham Rewards Earner Premier card is for Wyndham loyalists who want top-tier elite status and beneficial perks during stays.

Welcome Offer

Earn up to 120,000 points when you spend $6,000 in the first 120 days (unlocks 90,000 points) and $750 on Hotels by Wyndham in the first 180 days (unlocks 30,000 points).

Up to 120,000 points

Annual Fee

$395

APR

19.24% - 29.99%

Why We Like This Card

The Wyndham Rewards Earner Premier card is the top-tier offering in the Wyndham Rewards card lineup. The card is well-suited for anyone who frequently stays at Wyndham hotels and wants a premium card that offers top-tier Diamond status, a discount on paid nights, a 25% discount on award nights, and nearly $400 in annual credits.

Pros & Cons

Pros

• 8x points on Wyndham hotel stays
• 4x points on eligible dining, grocery, and travel (gas, EV charging, air, car rental, rideshare, tolls, and trains)
• 1x points on all other purchases (excluding Vacation Club payments)

Cons

• $395 annual fee

Read Full Review

Card Highlights

• Earn up to 120,000 points when you spend $6,000 in the first 120 days (unlocks 90,000 points) and $750 on Hotels by Wyndham in the first 180 days (unlocks 30,000 points).
• 8x points on Wyndham hotel stays
• 4x points on eligible dining, grocery, and travel (gas, EV charging, air, car rental, rideshare, tolls, and trains)
• 1x points on all other purchases (excluding Vacation Club payments)
• 25% discount on award night redemptions
• 30,000 anniversary bonus points (after annual fee)
• Wyndham Rewards Diamond membership
• Booking discounts on Hotels by Wyndham
• Stay 5 nights and receive a free night annually (30,000 points)
• Emerald Club Executive status with National Car Rental
• Complimentary Wyndham Rewards Insider membership
• $395 annual fee

Financial Snapshot

• APR: 19.24% - 29.99%
• Foreign Transaction Fees: 

New in the 2026 refresh, the Wyndham Rewards Earner Premier card is Wyndham’s first premium credit card and the top option for loyalists:

• Automatic top-tier Wyndham Rewards Diamond status
• 30,000 bonus points each account anniversary, after the annual fee posts
• Access to Go Free awards with a 25% discount on award stays and Go Fast rates (points plus cash)
• A free night award (worth 30,000 points) each year after you stay 5 nights
• New Points Payback feature, letting you redeem points for a statement credit
• Emerald Club Executive status with National Car Rental
• Complimentary Wyndham Rewards Insider membership
• $100 Wyndham Hotels & Resorts credit each year
• Up to $120 in credits each year for meal delivery purchases ($10 per month)
• Up to $100 in credits each year for streaming services purchases
• $65 warehouse membership credit each year
• Up to $120 Global Entry or TSA PreCheck application fee credit every 4 years
• Cardmember booking discount on cash stays
• No foreign transaction fees
• $395 annual fee

Wyndham Rewards^® Earner℠ Business Card

Wyndham Rewards^® Earner℠ Business Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Apply Now(at Barclays' secure site)

Wyndham Rewards^® Earner℠ Business Card

The Wyndham Rewards Earner Business card is the best card on the market for Wyndham stays thanks to its 8x earnings and automatic Diamond status.

Welcome Offer

Earn up to 100,000 points when you spend $3,000 in the first 90 days (unlocks 45,000 points) and $500 on Hotels by Wyndham in the first 180 days (unlocks 55,000 points).

Up to 100,000 points

Annual Fee

$149

APR

20.24% to 29.99% variable

Why We Like This Card

For frequent traveling business owners who regularly stay at Wyndham hotels, the Wyndham Rewards Earner Business card is quite the compelling card option that will allow you to get the most out of each Wyndham stay.

Not only will the card help supercharge the number of Wyndham points you’ll earn, but the automatic elite status, annual bonus points, and business protections really make the card a must-have for any Wyndham business traveler.

Pros & Cons

Pros

• 8x points at Wyndham hotels
• 5x points on eligible marketing, advertising services, gas stations, EV charging, office supply stores, and shipping
• Automatic Wyndham Rewards Diamond elite status

Cons

• $149 annual fee

Read Full Review

Card Highlights

• Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
• Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham
• Earn 5 points per $1 spent on gas, marketing, advertising, shipping providers, and office supply stores
• Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation.
• Annual Bonus. Receive 15,000 bonus points each anniversary year–that’s enough for up to two free nights at participating properties.
• Automatic DIAMOND Level Benefits! Automatically receive a Wyndham Rewards DIAMOND member level and enjoy perks like suite upgrades, welcome amenity at check-in, and more.
• Enjoy a Cardmember Booking Discount. Wyndham Rewards Earner Business Cardmembers can save even more on our Best Available Rate at participating Hotels By Wyndham.
• Unlimited Earning. There is no limit to the number of points you can earn.
• go free^® Faster. Redeem 20% fewer Wyndham Rewards points for go free^® awards.
• Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.

Financial Snapshot

• APR: 20.24% to 29.99% variable
• Foreign Transaction Fees: 0% of the U.S. Dollar amount

Available to those who operate a small business, the Wyndham Rewards Earner Business card offers a strong set of benefits for a moderate annual fee, which increased to $149 (from $95) in the refresh:

• Automatic top-tier Wyndham Rewards Diamond status
• 15,000 bonus points each account anniversary, after the annual fee posts
• Access to Go Free awards (20% discount on award stays, up from 10%) and Go Fast rates (points plus cash)
• New Points Payback feature, letting you redeem points for a statement credit
• Emerald Club Executive status with National Car Rental
• $65 warehouse membership credit each year
• Up to $50 accounting software credit each year
• Cardmember booking discount on cash stays
• No foreign transaction fees

Hot Tip:

Learn everything there is to know about the Wyndham Rewards loyalty program in our detailed guide.

Earning Wyndham Points on Wyndham Card Purchases

The benefits each card offers are just one part of the equation. Another important factor is how many points each card helps you earn. Here is a look at the current earn rates for each card.

Among the personal cards, the Wyndham Rewards Earner+ card is a strong option for earning points on your Wyndham stays, along with dining, grocery, and a wide range of travel purchases, if you can’t make use of the additional benefits of the Wyndham Rewards Earner Premier card and its higher annual fee.

For business owners, the Wyndham Rewards Earner Business card earns 8 points per $1 spent on Wyndham stays, along with 5 points per $1 spent on business expenses that include gas, EV charging, marketing, advertising, office supply stores, and shipping. Note that the refresh moved gas earning on this card from 8x down to 5x.

Upcoming Award Chart Change: A Fourth Award Tier

Wyndham is making its largest structural change since launching its fixed-tier award chart in 2019. The change takes effect September 15, 2026, so the current chart still applies until then.

Here’s how the 2 charts compare:

Current award chart (through September 14, 2026):

• Category 1: 7,500 points per night
• Category 2: 15,000 points per night
• Category 3: 30,000 points per night

New award chart (starting September 15, 2026):

• Lowest tier: 5,000 points per night (new, down from 7,500)
• 15,000 points per night (unchanged)
• 30,000 points per night (unchanged)
• Highest tier: 45,000 points per night (new)

The lower 5,000-point entry point is a benefit for booking the program’s many budget-friendly properties. The new 45,000-point tier is a devaluation for some properties, since that’s a 50% increase over the current 30,000-point ceiling. Wyndham says the new top tier will apply to a small number of its most premium properties, such as luxury and all-inclusive resorts, but has not released a full list of which hotels are moving where.

Wyndham is protecting existing bookings. If you book before September 15 and your hotel later moves to a lower tier, the point difference is automatically refunded. If it moves to a higher tier, your booking is honored at the original rate. Because most hotels can be booked up to a year in advance and award bookings are refundable, locking in current rates before September 15 is a reasonable move if you have a specific property in mind.

Qualifying for Wyndham Rewards Elite Status With Credit Cards

Wyndham Rewards offers 3 levels of elite status: Gold, Platinum, and Diamond. All of the Wyndham Rewards credit cards can help you qualify. Here are the benefits at each level.

Wyndham Rewards Gold Status

Gold status usually requires 5 nights per year, but you receive it automatically with the Wyndham Rewards Earner card. With Gold status, you’ll receive:

• 10% bonus points for an effective 11 points per $1 spent
• Preferred room choice
• Late checkout (if available)

Wyndham Rewards Platinum Status

The middle tier, Platinum status, usually requires 15 nights per year but is complimentary for Wyndham Rewards Earner+ cardholders. With Platinum status, you’ll receive all Gold benefits plus:

• 15% bonus points, for an effective 11.5 points per $1 spent
• Early check-in (if available)
• Caesars Rewards status match
• Avis and Budget car rental upgrades

Wyndham Rewards Diamond Status

Top-tier Diamond status usually requires 40 nights per year. If you hold the Wyndham Rewards Earner Premier card or Wyndham Rewards Earner Business card, you receive it automatically each year you keep the card open. With Diamond status, you receive all Platinum benefits plus:

• 20% bonus points, for an effective 12 points per $1 spent
• Suite upgrades (if available)
• Welcome amenity at check-in
• The ability to gift Gold status to 1 person per year

Bottom Line:

No matter which level of Wyndham Rewards elite status you’re interested in, one of the Wyndham Rewards credit cards can provide it automatically, without needing to meet any of the stay requirements.

Which Wyndham Rewards Credit Card Should You Get?

The answer depends on what you want from your Wyndham Rewards card and whether you’re eligible for a business credit card. Here’s a use case for each of the 4 cards.

Wyndham Rewards Earner Card: Best No-Annual-Fee Wyndham Card

With 5 points per $1 spent on Wyndham stays, automatic Gold status, and no annual fee, the Wyndham Rewards Earner card suits those who want elite status and more Wyndham points on all stays without an out-of-pocket expense. It’s the most basic of the 4 cards, but if you visit Wyndham hotels only a couple of times each year, it may be the right fit.

Wyndham Rewards Earner+ Card: Best Personal Wyndham Card

If you stay at Wyndham hotels relatively often and want a reasonable annual fee with solid benefits, the Wyndham Rewards Earner+ card is a good fit. You get automatic Platinum status (Diamond status for the first year after approval), 6 points per $1 spent on Wyndham stays, and 4 points per $1 spent on dining, grocery, and a broad set of travel purchases.

The card charges a $95 annual fee, but you receive 15,000 points each year the card renews, plus a free night award after 5 nights and up to $50 in meal delivery credits. We value Wyndham Rewards points at 0.9 cents per point, making 15,000 points worth $135. Those 15,000 points cover 2 free nights at a Category 1 Wyndham property under the current award chart, or 3 nights once the lowest tier drops to 5,000 points on September 15, 2026.

Wyndham Rewards Earner Premier Card: Best Premium Wyndham Card

For those who prefer Wyndham to every other brand and stay frequently, the Wyndham Rewards Earner Premier card is worth a look. It provides automatic Diamond status, 8 points per $1 spent on Wyndham stays, and 4 points per $1 spent on dining, grocery, and travel. The $395 annual fee is high, but the card offers several statement credits to help offset it: a $100 Wyndham Hotels & Resorts credit, up to $120 each year for meal delivery (up to $10 monthly), up to $100 each year for streaming, and a $65 warehouse membership credit. Cardholders also receive a complimentary Wyndham Rewards Insider membership and a free night award after 5 nights.

The card earns 30,000 bonus points each anniversary year, which could cover up to 5 free nights at 7,500-point properties after the card’s 25% redemption discount. Once the lowest tier drops to 5,000 points, they could cover up to 8 nights.

Wyndham Rewards Earner Business Card: Best Business and All-Around Wyndham Card

If you operate a small business and frequently stay at Wyndham hotels, the Wyndham Rewards Earner Business card is worth considering. It earns 8 points per $1 spent on Wyndham stays and 5 points per $1 spent on everyday business expenses, including gas, EV charging, marketing, advertising, office supply stores, and shipping.

For a $149 annual fee, you get top-tier Diamond status, which includes suite upgrades and usually requires 40 nights per year to reach. You also receive 15,000 bonus Wyndham Rewards points each year the card renews, which we value at $135. Those 15,000 points can cover 2 free nights at a Category 1 Wyndham property under the current award chart, or 1 free night at a Category 2 property.

Hot Tip:

If you think you need a brick-and-mortar business to be eligible for a small business card, that isn’t true. Freelancers, those who resell items online, and many other types of business owners may be eligible for small-business credit cards.

Alternative or Additional Cards for Wyndham Loyalists To Consider

Wyndham Rewards has partnered with 5 transferable point programs, letting you earn Wyndham points through cards beyond the co-branded lineup: Bilt Rewards, Capital One miles, Chase Ultimate Rewards, Citi ThankYou Rewards, and Wells Fargo Rewards.

Combining one of these cards with a Wyndham Rewards card can optimize your Wyndham benefits and point-earning ability.

Wells Fargo Autograph Journey℠ Card

Among transferable points cards, the Wells Fargo Autograph Journey card stands out for Wyndham fans because Wells Fargo Rewards points transfer to Wyndham at a 1:2 ratio. Each Wells Fargo point becomes 2 Wyndham points, one of the more rewarding transfer ratios available, and the reason we rank this card first among the non-Wyndham options.

Wells Fargo Autograph Journey℠ Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A powerful point earning card with access to transfer partners.

Wells Fargo Autograph Journey℠ Card

A powerful point earning card with access to transfer partners.

Welcome Offer

Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.

60,000 points

UP's Offer Valuation*:

$900

Annual Fee

$95

APR

19.49%, 25.49%, or 28.49% Variable APR

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent (670-850)

Why We Like This Card

The Wells Fargo Autograph Journey^SM Card is an excellent option for those looking for a great all-around travel rewards card that offers bonus categories on hotels, airfare, travel, and dining, giving you the opportunity to earn points on these purchases quickly.

Plus the card offers flexible redemption options including access to transfer partners, an annual statement credit with airfare purchase, and no foreign transaction fees.

Pros & Cons

Pros

• Earn 5x points on hotels
• Earn 4x points on airfare
• Earn 3x points on other travel and restaurants; 1x on other purchases

Cons

• $95 annual fee
• List of transfer partners is smaller than competing programs

Read Full Review

Card Highlights

• Select “Learn More” to take advantage of this specific offer and learn more about product features, terms and conditions.
• Earn 60,000 bonus points when you spend $4,000 in purchases in the first 3 months – that’s $600 toward your next trip.
• Earn unlimited 5X points on hotels, 4X points on airlines, 3X points on other travel and restaurants, and 1X points on other purchases.
• $95 Annual Fee.
• Book your travel with the Autograph Journey Card and enjoy Travel Accident Insurance, Lost Baggage Reimbursement, Trip Cancellation and Interruption Protection and Auto Rental Collision Damage Waiver.
• Earn a $50 annual statement credit with $50 minimum airline purchase.
• Up to $1,000 of cell phone protection against damage or theft. Subject to a $25 deductible.
• Find tickets to top sports and entertainment events, book travel, make dinner reservations and more with your complimentary 24/7 Visa Signature^® Concierge.

Financial Snapshot

• APR: 19.49%, 25.49%, or 28.49% Variable APR
• Foreign Transaction Fees: None

Why we like the Wells Fargo Autograph Journey card for Wyndham loyalists:

• 5x points on hotels
• 4x points on airfare
• 3x points on other travel and dining
• 1x points on all other purchases
• $50 annual airline statement credit (with a minimum $50 airline purchase)
• $95 annual fee

Chase Sapphire Preferred^® Card

Chase Ultimate Rewards points transfer to Wyndham Rewards at a 1:1 rate, making the Chase Sapphire Preferred card a flexible option for Wyndham stays. Chase refreshed the card on June 15, 2026, adding new earning categories while keeping the annual fee the same.

BEST FIRST TRAVEL CARD

Terms Apply / Rates & Fees

Chase Sapphire Preferred^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Apply Now(at Chase's secure site)

Chase Sapphire Preferred^® Card

A fantastic travel card with a great welcome offer, good benefits, and perks for a moderate annual fee.

Welcome Offer

Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.

75,000 points

UP's Offer Valuation*:

$1,500

Annual Fee

$95

APR

19.24% - 27.49% Variable

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Good to Excellent

Why We Like This Card

The Chase Sapphire Preferred^® card is one of the best travel rewards cards on the market. Its bonus categories include travel, dining, online grocery purchases, gas, EV charging, vacation homes, and streaming services, which gives you the opportunity to earn lots of bonus points on these purchases.

Additionally, it offers flexible point redemption options, no foreign transaction fees, and excellent travel insurance coverage including primary car rental insurance and emergency evacuation. With benefits like these, it’s easy to see why this card is an excellent choice for any traveler.

Pros & Cons

Pros

• 5x points on all travel booked via the Chase Travel portal
• 3x points on dining purchases, online grocery purchases (excluding Walmart, Target, and wholesale clubs), gas, EV charging, vacation homes (such as Airbnb and Vrbo), and select streaming services
• 2x points on all other travel worldwide

Cons

• $95 annual fee
• No elite benefits like airport lounge access or hotel elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus points after you spend $5,000 on purchases in the first 3 months from account opening.
• Enjoy benefits such as 5x on travel purchased through Chase TravelSM, 3x on dining, 3x on vacation homes, 3x on gas & EV charging, 3x on top streaming services and online groceries (excluding Walmart, Target, and wholesale clubs), 2x on all other travel purchases, 1x on all other purchases
• Earn up to $100 in statement credits each account anniversary year for hotel stays through Chase Travel
• Count on Trip Cancellation/Interruption Insurance, Auto Rental Collision Damage Waiver, Emergency Evacuation and Transportation and more
• Get a year of complimentary Apple TV when activated by December 31, 2026 – a value of $156.
• Complimentary DashPass which unlocks $0 delivery fees & lower service fees for 12 months when you activate by 12/31/27. Plus, a $10 promo each month on non-restaurant orders.
• Receive one statement credit of up to $120 every four years as reimbursement for the application fee charged to your card for a Global Entry, TSA Precheck^® or NEXUS application.
• Transfer points to leading airline and hotel loyalty programs
• Member FDIC

Financial Snapshot

• APR: 19.24% - 27.49% Variable
• Foreign Transaction Fees: None

Rewards Center

Chase Ultimate Rewards

Why we like the Chase Sapphire Preferred card for Wyndham loyalists:

• 5x points on all Chase Travel purchases (flights, hotels, rental cars, cruises, activities, and tours)
• 3x points on dining, gas and EV charging, online groceries, streaming, and vacation homes at brands like Airbnb and Vrbo
• 2x points on all other travel
• 1x points on all other purchases
• $100 Chase Travel hotel credit each account anniversary
• Up to $120 Global Entry, TSA PreCheck, or NEXUS credit every 4 years
• $95 annual fee

Capital One Venture X Rewards Credit Card

Capital One miles transfer to Wyndham Rewards at a 1:1 rate, and Capital One occasionally offers transfer bonuses for even more Wyndham points.

Capital One Venture X Rewards Credit Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Capital One Venture X Rewards Credit Card

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.

Welcome Offer

Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel.

75,000 miles

UP's Offer Valuation*:

$1,350

Annual Fee

$395

APR

Purchases: 19.49% - 28.49% (Variable)

Credit Recommended

Upgraded Points credit ranges are a variation of FICO^® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Excellent

Why We Like This Card

The Capital One Venture X Rewards Credit Card is the premium Capital One travel rewards card on the block.

Points and miles fans will be surprised to see that the Capital One Venture X card packs quite the punch when it comes to bookings made through Capital One, all while offering the lowest annual fee among premium credit cards.

Depending on your travel goals and preferences, the Capital One Venture X card could very well end up being your go-to card in your wallet.

Pros & Cons

Pros

• 10x miles per $1 on hotels and rental cars purchased through Capital One Travel
• 5x miles per $1 on flights and vacation rentals purchased through Capital One Travel
• 2x miles per $1 on all other purchases

Cons

• $395 annual fee
• Does not offer bonus categories for flights or hotel purchases made directly with the airline or hotel group, the preferred booking method for those looking to earn elite status

Read Full Review

Card Highlights

• Earn 75,000 bonus miles when you spend $4,000 on purchases in the first 3 months from account opening, equal to $750 in travel
• Receive a $300 annual credit for bookings through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Get 10,000 bonus miles (equal to $100 towards travel) every year, starting on your first anniversary
• Earn unlimited 10X miles on hotels and rental cars booked through Capital One Travel and 5X miles on flights and vacation rentals booked through Capital One Travel
• Earn unlimited 2X miles on all other purchases
• Enjoy access to 1,300+ lounges worldwide, including Capital One Lounge and Landing locations and participating Priority Pass™ lounges, after enrollment
• Use your Venture X miles to easily cover travel expenses, including flights, hotels, rental cars and more—you can even transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy a $100 experience credit and other premium benefits with every hotel and vacation rental booked from the Premier Collection
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Top rated mobile app

Financial Snapshot

• APR: Purchases: 19.49% - 28.49% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Why well like the Capital One Venture X card for Wyndham loyalists:

• 10x miles on hotels and rental cars booked through Capital One Travel
• 5x miles on flights and vacation rentals booked through Capital One Travel
• 2x miles on all other purchases
• Up to $300 annual travel credit on bookings made through Capital One Travel
• 10,000 bonus miles on each account anniversary
• Airport lounge access, including participating Priority Pass lounges (after enrollment) and access to Capital One Lounges and Landings
• $395 annual fee

Citi Strata Premier^® Card

Citi ThankYou Points also transfer to Wyndham Rewards at a 1:1 rate, making them a good option for regular Wyndham guests. If you only hold a no-annual-fee Citi card, your transfer ratio drops to 1:0.7.

Terms Apply / Rates & Fees

Citi Strata Premier^® Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now(at our partner's secure site)

Citi Strata Premier^® Card

Welcome Offer

Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.

60,000 Points

UP's Offer Valuation*:

$960

Annual Fee

$95

APR

19.49% to 27.49% Variable

Why We Like This Card

The Citi Strata Premier^® Card is a great all-around travel rewards card that allows you to earn big rewards on a variety of purchases like air travel, at restaurants, supermarkets, gas stations, and more, along with flexible redemption options, all for a modest annual fee.

Pros & Cons

Pros

• 10x points on hotels, car rentals, and attractions booked through CitiTravel.com
• 3x points on air travel, other hotel purchases, restaurants, supermarkets, gas stations, and EV charging stations
• $100 annual hotel benefit

Cons

• $95 annual fee

Read Full Review

Card Highlights

• Earn 60,000 bonus ThankYou^® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
• Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
• Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
• Earn 1 Point per $1 spent on all other purchases
• $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

Financial Snapshot

• APR: 19.49% to 27.49% Variable
• Foreign Transaction Fees: None

Why we like the Citi Strata Premier card for Wyndham loyalists:

• 10x points on hotels, car rentals, and attractions booked through Citi Travel
• 3x points on air travel, other hotels, restaurants, supermarkets, and gas and EV charging stations
• 1x points on all other purchases
• $100 annual hotel benefit on stays of $500 or more booked through Citi Travel
• $95 annual fee

Bilt Palladium Card

Bilt Points transfer to Wyndham Rewards at a 1:1 rate, with Wyndham as one of Bilt’s newest transfer partners. The Bilt Palladium Card is the premium card in Bilt’s lineup, and it earns points on rent and mortgage payments in addition to everyday spending.

Terms Apply / Rates & Fees

Bilt Palladium Card

U.P. Rating 

The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.

Apply Now

Bilt Palladium Card

Welcome Offer

Subject to approval: 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.

Subject to approval: 50,000 points + $300 Bilt Cash

Annual Fee

$495

Why We Like This Card

The Bilt Palladium Card is a premium card option for those who want to earn up to 1.25x Bilt Points on their rent and mortgage payments, but also want premium perks like airport lounge access.

Pros & Cons

Pros

• 2x points and the option to earn 4% back in Bilt Cash on everyday purchases
• Up to 1.25x points on rent and mortgage payments
• $400 annual Bilt Travel hotel credit, split into 2 semiannual credits (requires a 2-night stay)

Cons

• Charges a $495 annual fee
• You’ll need to redeem Bilt Cash to unlock rewards for rent and mortgage payments

Read Full Review

Card Highlights

• Earn up to 1.25X points on rent and mortgage payments with no transaction fee.
• 2X points on everyday spend
• $400 Bilt Travel Hotel credit. Applied twice a year, as $200 statement credits, for qualifying Bilt Travel Portal hotel bookings.
• $200 Bilt Cash (awarded annually). At the end of each calendar year, any Bilt Cash balance over $100 will expire.
• Welcome bonus (subject to approval): 50,000 Bilt Points + Gold Status after spending $4,000 on everyday purchases in the first 90 days + $300 of Bilt Cash.
• Priority Pass ($469/year value). See Guide to Benefits.
• Bilt Point redemptions include airlines, hotels, future rent and mortgage payments, Lyft rides, statement credits, student loan balances, a down payment on a home, and more.
• Earn additional points through Bilt Neighborhood Benefits™ when you use your card at Bilt’s network of 50,000+ merchant partners.

Financial Snapshot

• Foreign Transaction Fees: None

Why we like the Palladium Card for Wyndham loyalists:

• 2x points on everyday purchases (excluding rent and mortgage, which earn separately)
• Up to 5x points on Bilt Dining, 4x points on hotels and 3x points on flights booked through Bilt Travel, and 4x points on Lyft
• $400 annual hotel credit through Bilt Travel (split into $200 semiannually, with a 2-night minimum stay)
• $200 in annual Bilt Cash (up to $100 of Bilt Cash earned rolls over to the next year)
• Priority Pass lounge access
• $495 annual fee

Final Thoughts

Even if you visit Wyndham hotels just a couple of times a year, a co-branded Wyndham Rewards card can help you earn more points and receive automatic elite status. With the 2026 refresh, the lineup now includes a new premium Wyndham Rewards Earner Premier card, updated earning categories, and improved benefits across most cards. With the award chart expanding to 4 tiers on September 15, 2026, it’s worth booking any planned stays before that date to lock in current rates.

Wyndham points can also be earned through eligible cards with Wells Fargo Rewards, Chase Ultimate Rewards, Capital One miles, Citi ThankYou Points, and Bilt Points.

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A maximum benefit amount and certain restrictions and limitations apply. Please review the Bilt Palladium Card Mastercard Guide to Benefits for details.