Wyndham Rewards Earner Card – Full Review [2021]

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Wyndham Rewards Earner Card – Full Review [2021]

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"A great no-annual-fee card for Wyndham stays!"

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

Learn More (at Wyndham's secure site)

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!



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

Wyndham Rewards Earner Card - Snapshot

The Ideal Cardholder

Rooftop hot tub at Dazzler Lima San Isidro
Get elite status for no annual fee with the Wyndham Rewards Earner card. Image Credit: Dazzler by Wyndham

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.

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

Wyndham Rewards Earner Card - Fees

  • Annual Fee
    • $0
  • Foreign Transaction Fees
    0% of each transaction in U.S. dollars
  • Interest Rates
    • 15.74%, 19.99, or 24.99% Variable
  • Late fees ?
    • Up to $40
  • Balance Transfers
    • 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.
    • After that (and for balance transfers that do not post within 45 days of account opening), your APR will be 15.74%, 19.99% or 24.99% based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
    • Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
  • Cash Advance APR
    • 25.24% Variable
    • Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

How To Earn More Wyndham Points

Wyndham Grand Clearwater Beach Resort
Enjoy views of the Gulf of Mexico and Clearwater Beach from your balcony at Wyndham Grand Clearwater Beach Resort. Image Credit: Wyndham

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.

Gas Stations

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 card 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.

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 Go Free Nights

Your best option when it comes to redeeming your Wyndham Rewards points probably comes at no surprise — redeeming for award night redemptions at Wyndham hotels.

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.


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. 

Alternative Cards to the Wyndham Rewards Earner Card

Hilton Honors American Express Card

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 and 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.

Marriott Bonvoy Bold™ Credit Card

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 3x points per $1 on Marriott stays, 2x points per $1 on travel, and 1x point per $1 on all other purchases. Plus you’ll automatically receive 15 elite night credits for having the card, which is enough for Marriott Silver Elite status and puts you just 10 nights away from Gold Elite status.

For rates and fees of the Hilton Honors American Express Card, click here.

Frequently asked questions

Does the Wyndham Rewards Earner card have an annual fee?

No, the Wyndham Rewards Earner card does not charge an annual fee.

Is the Wyndham Rewards Earner card worth it?

If you’re someone who wants to get the most out of your Wyndham stays by earning extra points, getting discounts on stays, and receiving automatic elite status, all for no annual fee, then yes, the Wyndham Rewards Earner card is worth it.

What is the best Wyndham Rewards credit card?

Choosing a Wyndham Rewards credit card depends on what you personally want to get out of the card.

Those who want to get more value out of their Wyndham stays, but do not want to pay an annual fee, should get the Wyndham Rewards Earner card.

If you want to maximize your Wyndham stays as much as possible by getting automatic Platinum status, earning 6x points on stays, and receiving annual bonus points, then the Wyndham Rewards® Earner℠ Plus Card would be best for you.

If you’re a small business owner that frequently visits Wyndham hotels, then you should go for the Wyndham Rewards® Earner℠ Business Card, which actually offers the most benefits of all 3 card options.

How much are Wyndham points worth?

At Upgraded Points, we value Wyndham Rewards points at 0.9 cents per point, but can certainly get more value than this depending on your specific redemption.

Do Wyndham points expire?

Wyndham points expire after 18 months of account inactivity. To extend their expiration, you must have some account activity like earning, redeeming, or transferring points.

Also, all Wyndham Rewards points will expire 48 months from the time they were earned, with no way to extend them further. So make sure you don’t wait too long before redeeming your points!

Jarrod West

About Jarrod West

Jarrod first became fascinated with the world of points and miles as the perfect way to visit dream destinations without breaking the bank. On his first major award trip, he spent 3 months traveling through Europe, financed nearly entirely with points; while flying in premium cabins and staying in 5-star hotels along the way. Now, he is on a mission to help others realize their travel goals and upgrade their travel experiences. Jarrod has been writing about credit cards and travel loyalty programs for 4 years, and his work has been featured by Travel and Leisure, Matador Network, Yahoo Finance, and U.S. News.

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