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Wyndham Rewards® Earner℠ Card
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
U.P. Rating
The rating for this card has been determined by our own industry experts who know the in's and out's 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 information regarding the Wyndham Rewards® Earner℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
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!
Card Details
Card Snapshot
Welcome Bonus & Info
Earn 75,000 bonus points after spending $2,000 on purchases in the first six months. 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!
7,500 annual bonus points after you spend $15,000 on purchases
Cons
Not as rewarding as other Wyndham credit cards
Annual point bonus requires you to spend $15,000
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The ratings for these cards have been determined
by our own industry experts who know the in's and out's 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.
” System
1087+ Expert Credit Card Guides
Great Card If
You occasionally stay at Wyndham properties and want to earn more points on those stays
You want Wyndham Gold elite status
You want a travel rewards card with no annual fee
Don’t Get If
You don’t stay at Wyndham hotels
You want a card that is more rewarding for Wyndham stays
The Ideal Cardholder
The Wyndham Rewards Earner card is a compelling option for any traveler who visits Wyndham hotels a few times a year, wants to earn additional points on these stays, and benefits from Gold elite status, but does not want to pay an annual fee.
Wyndham Rewards Earner Card Travel Benefits
Let’s take a closer look at each of the top perks offered to Wyndham Rewards Earner cardholders:
Wyndham Rewards Gold Status — Earn 10% bonus points on Wyndham stays, preferred room upgrades, and late checkout.
10% Award Night Discount — Cardholders can book award nights for 10% fewer points than other Wyndham members.
Nightly Rate Discount — Get a discount on paid nights for being a Wyndham cardholder.
No Annual Fee — The Wyndham Rewards Earner card offers all of these great benefits and costs nothing out of pocket for you to use it each year.
No Foreign Transaction Fees — Staying at a Wyndham overseas? Pay with your Wyndham Rewards Earner card without worrying about foreign transaction fees.
Annual Bonus Points (With Spend) — Each year you’ll receive 7,500 bonus points, enough for a free night at select Wyndham hotels, but only if you spend $15,000 on the card.
How To Use Wyndham Points For Max Value
Now that you’re earning Wyndham Rewards points for a variety of different purchases, how should you go about redeeming those points for maximum value?
Wyndham breaks down its properties into 3 categories with award prices at 7,500, 15,000, and 30,000 points per night. Fortunately for Wyndham Rewards Earner cardholders, you’ll receive a 10% discount off of these rates, bringing the number of points needed for a free night down to 6,750, 13,500, and 27,000 points for each category.
Not only does redeeming your points give you the highest return, but in our view, it is also the most fun! After all, what better excuse is there to travel than a free hotel stay?
Wyndham Go Fast Nights
Don’t have enough points for a full award stay? Wyndham also offers Go Fast rates, allowing you to redeem a small number of points in order to reduce the cash rate for your stay.
With this, instead of the standard award prices, you can redeem 1,500, 3,000, and 6,000 points per night, along with a reduced cash rate. This gives travelers more flexibility when it comes to stretching their points out for future stays, or for those who prefer to lower the amount of cash needed for their stay.
Airline Transfer Partners
Similar to Marriott Bonvoy points, Wyndham allows members to transfer their points to about 10 airline partners. But unlike the 3:1 rate you receive for Marriott transfers, Wyndham transfers give you a rate of just 5:1.
Because of this, we generally advise against transferring your Wyndham points to airline partners unless you have no other option or have no use for Wyndham points.
Merchandise
Members can redeem their points through the Wyndham merchandise portal towards a variety of products, but doing so gives you a value of just 0.3 cents per point — which is just one-third of our 0.9 cents per point valuation of Wyndham points.
Gift Cards
You can also redeem your Wyndham points for gift cards with dozens of different merchants, but we strongly advise against this as you’ll get just 0.3 cents per point in value.
Marathon Gas Stations
Through Wyndham’s partnership with Marathon’s Makeitcount rewards, members can redeem their points for fuel discounts at Marathon gas stations. But you should think twice before redeeming points this way because, not only will you only get 0.3 cents per point in value, but you’ll also miss out on some of the 5x earnings you could have received for just paying for your gas with your Wyndham Rewards Earners card.
Tours and Activities
Finally, Wyndham members can redeem their points for unique activities like dining experiences, live entertainment, and more. But like many of the other redemption methods, your points will be worth 0.3 cents per point when you redeem them this way. So you’ll likely want to opt for a higher value option.
Bottom Line:Truthfully, when it comes to redeeming your Wyndham Rewards points, your best option is redeeming them for free nights at Wyndham hotels, and we strongly advise against any redemption option that will give you less than 0.9 cents per point in value.
How To Earn More Wyndham Points
Wyndham Stays
Adding the Wyndham Rewards Earner card is a great way to help earn more Wyndham points on each stay, as the card earns you 5x points per $1 on your Wyndham stays.
Further, since you’ll have Wyndham Gold status, you’ll earn 11x points per $1 thanks to the 10% elite bonus on stays, and when you pay for your stay with the Wyndham Rewards Earner card, you’ll earn a total of 16x points per $1 on stays — a 14.4% return on your spend based on our valuation of Wyndham points.
Those who have long work commutes or who take a lot of road trips can rack up Wyndham Rewards points by earning 5x points per $1 on all of that gas spend with the Wyndham Rewards Earner card.
Dining and Grocery Stores
The Wyndham Rewards Earner card offers 2 more bonus categories to help reward you on your everyday spending on both dining and at grocery stores, allowing you to earn 2x points per $1 on all of these purchases.
All Other Purchases
Cardholders also earn 1x point per $1 on all other purchases outside of the card bonus categories. But unless you’re trying to earn as many Wyndham points as possible, you might want to choose to use a card that is more rewarding for non-bonus spending.
Wyndham Shopping Portal
Fortunately for online shoppers, Wyndham offers the Wyndham Rewards Shopping site to help you earn more Wyndham points when you buy products online. Just like any other shopping portal, all you have to do is click through to the select merchant you want to purchase an item with, and then you’ll earn Wyndham Rewards points after you complete the purchase.
Depending on the merchant, this can earn you anywhere from 1x to 30x points per $1 on your purchases through the Wyndham Rewards Shopping site.
Adding Capital One Miles Cards
The Capital One Miles program is a flexible rewards currency, and miles earned from select Captial One credit cards can then be transferred to the Wyndham Rewards program at a 1:1 rate. This gives you the opportunity to use cards from each program, and pool your rewards together.
For instance, you could use the Capital One Venture Rewards Credit CardInformation collected independently. Not reviewed by Capital One. to earn 2x miles per $1 on all purchases made with the card, and your Wyndham Rewards Earner card to earn 5x points per $1 on purchases at Wyndham hotels and gas stations.
Alternative Cards to the Wyndham Rewards Earner Card
The rating for this card has been determined by our own industry experts who know the in's and out's 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.
Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Complimentary Hilton Honors Silver status, plus great earnings at Hilton, U.S. gas stations, U.S. supermarkets, and U.S. restaurants!
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
100,000 points
$500
$0
20.24%-29.24% Variable
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 cardapplication.
Good to Excellent (670-850)
Why We Like This Card
You can’t beat a comfy king-sized bed and room service. For many travelers, it’s the hotel that really makes or breaks an experience. If you’re one of those people, you’ve probably stayed at a Hilton hotel.
Whether your visits are for work or pleasure, the Hilton brand has you covered with more than 6,200 locations in 100 counties and territories.
Earn 100,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership. Offer ends 1/8/2025.
Earn 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio.
Earn 5X Points per dollar on purchases at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations.
Earn 3X Points for all other eligible purchases on your Card.
Enjoy complimentary Hilton Honors™ Silver status with your Card. Plus, spend $20,000 on eligible purchases on your Card in a calendar year and you can earn an upgrade to Hilton Honors™ Gold status through the end of the next calendar year.
No Foreign Transaction Fees. Enjoy international travel without additional fees on purchases made abroad.
If you’re looking for a no-annual-fee hotel card and prefer Hilton hotels, the Hilton Honors card is a superb option (see rates & fees). Cardholders earn 7x points per $1 on Hilton stays, 5x points per $1 on dining, groceries, and gas, plus 3x points per $1 on all other purchases (terms apply). You’ll also receive complimentary Hilton Silver status as a free perk for holding the card.
The rating for this card has been determined by our own industry experts who know the in's and out's 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 great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
A great option for Marriott hotel fans who want a no annual fee card and automatic Marriott Bonvoy elite status.
Earn 60,000 Bonus Points plus 1 Free Night Award after you spend $2,000 on purchases in the first 3 months from account opening. Free Night valued at 50,000 points. Certain hotels have resort fees.
60,000 points + 1 Free Night Award
$770
$0
20.99% - 27.99% Variable
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 cardapplication.
Good to Excellent (670-850)
Why We Like This Card
Casual travelers who like to frequent properties that are part of the Marriott Bonvoy collection of brands may want to consider the Marriott Bonvoy Bold® Credit Card.
The Marriott Bold card rewards cardholders for Marriott stays and gives them a boost towards Marriott Bonvoy elite status.
Pros & Cons
Pros
Up to 14x points per $1 on Marriott purchases
2x points at grocery stores, rideshare, select food delivery, select streaming, and internet, cable, and phone services
5 Elite Night Credits each year
Cons
Lower point earn rate than other Marriott Bonvoy cards
Marriott Bonvoy Silver Elite status is the lowest status tier
Those who have Marriott as their hotel chain of choice and want a no-annual-fee card should consider adding the Marriott Bold card to their wallet. Cardholders earn up to 14x total points spent at hotels participating in Marriott Bonvoy, 2x at grocery stores, rideshare, and select food delivery, 2x for select streaming, and internet, cable, and phone service provides. All other purchases earn 1x. Plus you’ll enjoy automatic Marriott Silver Elite status and receive 5 elite night credits every calendar year towards the next level of elite status.
The information regarding the Capital One Venture Rewards Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wyndham Rewards® Earner℠ Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Marriott Bonvoy Bold® Credit Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wyndham Rewards® Earner℠ Plus Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer. The information regarding the Wyndham Rewards® Earner℠ Business Card was independently collected by Upgraded Points and not provided nor reviewed by the issuer.
For rates and fees of the Hilton Honors American Express Card, click here.
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