Wyndham Rewards Loyalty Program Review [2025]

Wyndham Rewards Program Overview

Wyndham has over 9,000 properties across more than 90 countries. Those familiar with Wyndham’s budget brands in the U.S. may be surprised at their new properties in the U.S. and upscale resorts around the world.

Wyndham also has extensive timeshares, vacation rentals, and a partnership with Caesars Entertainment.

Joining Wyndham Rewards

Register online for a free Wyndham Rewards account. The Wyndham Rewards slogan is go free, go fast, go get ’em and its sign-up process lives up to that: just fill out your information and click “Join Now.”

How to Sign in to Your Wyndham Account

Sign in on the Wyndham Rewards homepage.

Viewing Your Account Activity

After you log in, see your activity and elite status progress by clicking on your name in the top right corner and then “My Account.”

Points Expiration

There are 2 Wyndham Rewards expiration policies to be aware of.

First: points expire after 18 months of account inactivity. You can avoid this by earning, redeeming, or transferring points.

Second: all points expire 4 years (48 months) after they’re earned, regardless of activity… so you cannot stockpile points indefinitely.

Wyndham Rewards Program Benefits

Wyndham Rewards has revamped its elite status program to offer more meaningful benefits to its frequent guests than it did in the past.

You start as a Blue Member, and with progressively more stays each year, you can earn higher status levels.

Blue Member

• 10 points per dollar on Wyndham stays (1,000-point per stay minimum)
• 5 points per dollar at WaterWalk Extended Stay by Wyndham hotels
• Free Wi-Fi
• Elite qualification rollover nights from year to year
• For every Go Free or Go Fast award night you book in a participating city, you’ll receive a discount code

Gold Member (5 nights)

• All Blue benefits, plus:
• 10% point bonus on stays
• Preferred rooms
• Late check-out

Platinum Member (15 nights)

• All Gold benefits, plus:
• 15% point bonus on stays
• Early check-in
• Caesars Rewards status match
• Avis and Budget car rental upgrades

Diamond Member (40 nights)

• All Platinum benefits, plus
• 20% point bonus on stays
• Welcome amenity (snack or beverage)
• Suites upgrades
• Gift Gold status to 1 person per calendar year
• For every Go Free award night you book in a participating city, you’ll receive 2 free tickets to a local experience

Value of Wyndham Rewards Elite Status

Wyndham Rewards has elite qualification rollover nights, a flexible benefit for earning elite status year to year.

While Gold status has limited benefits, with Platinum you get the valuable early check-in benefit.

Diamond comes with unlimited suite upgrades (subject to availability)… but even at this level, breakfast is not included.

Overall, Wyndham Rewards status echoes its heritage with budget hotels rather than its recent push into more upscale properties.

The Wyndham Rewards Earner^® Business Card comes with Diamond status and the Wyndham Rewards Earner+ Card comes with Platinum status, both nice jumpstarts for people who have several upcoming Wyndham stays. The no annual fee Wyndham Rewards Earner Card comes with Gold status, which is worth relatively little for Wyndham stays.

Earning Wyndham Rewards Elite Status

Earning Wyndham Rewards elite status is straightforward: you earn by the number of nights per year. Both paid and award stays count.

Through December 31, 2025, the status stay requirements are:

• Gold: 5 nights per calendar year
• Platinum: 15 nights per calendar year
• Diamond: 40 nights per calendar year

Status Match With Caesars Rewards

Platinum and Diamond members in Wyndham Rewards and Caesars Rewards can match to equal status in the other program.

If you have Wyndham Rewards status, click here to match to Caesars. If you have Caesars Rewards status, click here to match to Wyndham.

How To Earn Wyndham Rewards Points

Wyndham Rewards lacks the various points-earning options of many other hotel programs.

Without a major credit card transfer partner, your main earning efforts will be through stays at Wyndham hotels and with its co-branded credit cards.

Earning Points on Stays

The Wyndham Rewards earning structure is perhaps the simplest among hotel programs:

• Earn 10 points per dollar on paid stays at most Wyndham brands (5 points per dollar at WaterWalk Extended Stay properties)
• Minimum 1,000 points earned per stay
• Elite status bonuses: 10% for Gold, 15% for Platinum, 20% for Diamond

Earning Points on Stay Promotions

Wyndham Rewards frequently has bonus point offers. Log in to your Wyndham Rewards account and click “Offers” at the top of the main page to see if there is a targeted bonus point offer for you to register for or book.

Earning Points by Booking Meetings

With Go Meet for bookings, you earn 1 point per dollar spent on:

• Stays of 10 rooms or more on at least 1 night of the event
• Meeting rooms
• Event food and beverage

Earning Points With Caesars Entertainment

Wyndham Rewards and Caesars Rewards have partnered to let you earn the same 10 points per dollar with a minimum of 1,000 points on stays at more than 30 Caesars properties.

You can also status match between Wyndham Rewards and Caesars Rewards.

You’re also able to transfer points between Wyndham Rewards and Caesars Rewards.

Earn Points With Avis/Budget Rental Cars

Earn 100 points per day on Avis/Budget rentals. Compare that to other miles or points you can earn for the same rentals.

Earn with Wyndham Travel Bundles

Wyndham Rewards members can earn points on virtually all aspects of their vacation via Wyndham Travel Bundles. Through this portal, you can book hotels, flights, car rentals and transfers, cruises, and activities.

• 1 Wyndham point per $1 spent on cruise, airfare, and car rental bookings
• Up to 10 points per $1 spent on hotels and activities

Wyndham currently offers double rewards for those who book a Wyndham Travel Bundle by April 30 and complete their stay by December 31, 2025.

Earn Points with Carnival Cruise Line

Through Wyndham’s partnership with Carnival Cruise Line, Wyndham Rewards members can earn 1 point per dollar spent on Carnival cruise bookings. Not only will you earn Wyndham points, but you’ll also earn Carnival Cruise points by providing your membership number during booking.

Since these bookings are made on the Wyndham Travel Bundles portal, you can earn double rewards on qualifying bookings made by April 30, 2025. Just note, that you’ll need to include at least a 1-night stay at a Wyndham property in your Travel Bundle to qualify for rewards.

Earn Points by Credit Card or Debit Card

There are 3 Wyndham Rewards Earner cards from Barclays and 1 debit card issued by Sunrise Banks N.A.:

All 3 credit cards earn 1x for all other everyday purchases.

Earn Points by Shopping Online

Make purchases at participating online retailers through the Wyndham Rewards shopping site to earn points. Select the retailer you’d like to shop with and click “Shop Now.”

Earn Points by Completing Surveys

Earn 500 points for joining Opinion Rewards Panel and completing your first survey.

Earn Points With Home Chef

New customers get 2,500 points with their first Home Chef box and 500 points for each additional box.

Buy or Gift Points

You can buy or gift points for a fee (view current rates).

Earn Airline Miles Instead of Points

You can choose to earn airline/rail miles on your Wyndham stays instead of points. This is a great option for those with infrequent Wyndham stays that would not earn enough points for free nights.

Blue and Gold members will earn 1 mile per $1 spent at Wyndham and Platinum and Diamond members will earn 2 miles per $1 spent.

Branded and Partnered Credit Cards

Wyndham Rewards Credit Cards

Without credit card transfer partners, the Wyndham Rewards Earner cards from Barclays are your only credit card options to earn Wyndham Rewards points.

The card has 3 versions that earn 5x to 8x points per dollar spent on hotels by Wyndham (and gas!). All cardholders also enjoy redeeming 10% fewer points for awards, an annual/anniversary points bonus (terms apply), and a cardmember booking discount.

Capital One Miles Credit Cards

If you earn Capital One Miles, you can transfer them to Wyndham Rewards. With a 1:1 transfer ratio, this can be an attractive use of your points if you find a good redemption opportunity for a property with pricey cash rates.

Recommended Capital One Cards That Earn Miles (Personal)

Terms Apply / Rates & Fees

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: 19.99% - 29.99% 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 cardapplication.

Excellent (740-840)

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 (rates & fees)
• 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 complimentary access to 1,300+ airport lounges worldwide, including Capital One Lounge locations and the Partner Lounge Network
• 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^®

Financial Snapshot

• APR: Purchases: 19.99% - 29.99% Variable
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

 

LIMITED TIME OFFER

Terms Apply / Rates & Fees

Capital One Venture 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.

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Capital One Venture Rewards Credit Card

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!

Welcome Offer

Earn 75,000 miles once you spend $4,000 within the first 3 months of account opening, plus receive a one-time $250 Capital One Travel credit in your first cardholder year – that’s equal to $1,000 in travel.

75,000 miles + $250 travel credit

UP's Offer Valuation*:

$1,600

Annual Fee

$95

APR

Purchases: 19.99% - 29.99% (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 cardapplication.

Good to Excellent Credit (670-850)

Why We Like This Card

The Capital One Venture Rewards Credit Card is one of the most popular rewards cards on the market. It’s perfect for anyone in search of a great welcome offer, high rewards rates, and flexible redemption options.

Frequent travelers with excellent credit may benefit from this credit card that offers a lot of bells and whistles. And it offers easy-to-understand rewards earning and redemption.

Pros & Cons

Pros

• 5x miles per $1 on hotels, vacation rentals, and rental cars booked through Capital One Travel
• 2x miles per $1 on all other purchases
• Up to a $120 Global Entry or TSA PreCheck application fee credit

Cons

• $95 annual fee (rates & fees)
• Limited elite benefits

Read Full Review

Card Highlights

• Enjoy $250 to use on Capital One Travel in your first cardholder year, plus earn 75,000 bonus miles once you spend $4,000 on purchases within the first 3 months from account opening - that’s equal to $1,000 in travel
• Earn unlimited 2X miles on every purchase, every day
• Earn 5X miles on hotels, vacation rentals and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Receive up to a $120 credit for Global Entry or TSA PreCheck^®
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Enjoy a $50 experience credit and other premium benefits with every hotel and vacation rental booked from the Lifestyle Collection
• Transfer your miles to your choice of 15+ travel loyalty programs

Financial Snapshot

• APR: Purchases: 19.99% - 29.99% (Variable)
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Terms Apply / Rates & Fees

Capital One VentureOne 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 card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Capital One VentureOne Rewards Credit Card

The card offers unlimited miles at 1.25x per $1 and no annual fee. When you consider the flexible rewards, frequent travelers come out on top.

Welcome Offer

Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel.

20,000 miles

UP's Offer Valuation*:

$360

Annual Fee

$0

APR

19.24% - 29.24% (Variable),0% intro on purchases for 15 months

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 cardapplication.

Good to Excellent (670-850)

Why We Like This Card

Interested in a travel rewards credit card without one of those pesky annual fees? Then say hello to the Capital One VentureOne Rewards Credit Card.

In addition to no annual fee, the Capital One VentureOne card offers no foreign transaction fees.

But is this card worth its salt, or is it merely a shell of the more popular Capital One Venture card?

Pros & Cons

Pros

• No annual fee (rates & fees)
• No foreign transaction fees (rates & fees)
• Ability to use transfer partners

Cons

• Weak earn rate at 1.25x miles per $1 spent on all purchases
• No luxury travel or elite benefits

Read Full Review

Card Highlights

• $0 annual fee and no foreign transaction fees
• Earn a bonus of 20,000 miles once you spend $500 on purchases within 3 months from account opening, equal to $200 in travel
• Earn unlimited 1.25X miles on every purchase, every day
• Miles won't expire for the life of the account and there's no limit to how many you can earn
• Earn 5X miles on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options
• Use your miles to get reimbursed for any travel purchase—or redeem by booking a trip through Capital One Travel
• Transfer your miles to your choice of 15+ travel loyalty programs
• Enjoy 0% intro APR on purchases and balance transfers for 15 months; 19.24% - 29.24% variable APR after that; balance transfer fee applies

Financial Snapshot

• APR: 19.24% - 29.24% (Variable),0% intro on purchases for 15 months
• Foreign Transaction Fees: None

Rewards Center

Capital One Miles

Citi ThankYou Points Credit Cards

You can also opt to transfer over your Citi ThankYou Points to Wyndham at a 1:1 ratio or a 1:0.8 ratio, depending on which card you hold.

Recommended Citi Cards

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.

Citi Strata Premier℠ Card

Welcome Offer

For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.

75,000 points

UP's Offer Valuation*:

$1,200

Annual Fee

$95

APR

20.24% - 28.24% Variable APR

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

• For a limited time: Earn 75,000 bonus points after spending $4,000 in the first 3 months of account opening, redeemable for $750 in gift cards or travel rewards on thankyou.com.
• Earn 10X points per $1 spent on hotels, car rentals, and attractions booked on CitiTravel.com.
• Earn 3X points per $1 on air travel and other hotel purchases, at restaurants, supermarkets, gas and EV charging stations.
• Earn 1X 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: 20.24% - 28.24% Variable APR
• Foreign Transaction Fees: None

Citi Rewards+^® 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.

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

Citi Rewards+^® Card

This no annual fee card rewards cardholders for everyday purchases. Earn bonus points at supermarkets and gas stations, plus your points are rounded up on every purchase.

Welcome Offer

Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com.

20,000 points

UP's Offer Valuation*:

$320

Annual Fee

$0

APR

0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.74% to 27.74%.

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 cardapplication.

Good to Excellent Credit Recommended (670-840)

Why We Like This Card

The Citi Rewards+ card is an excellent way to earn Citi ThankYou points with a $0 annual fee while receiving perks like point round-ups, a 10% point redemption rebate, and more.

Pros & Cons

Pros

• 5x points on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025
• 2x points on at supermarkets and gas stations for the first $6,000 per year
• Round up to the nearest 10 points on every purchase

Cons

• Doesn’t offer access to the entire collection of Citi transfer partners
• Charges foreign transaction fees

Read Full Review

Card Highlights

• Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
• Plus, as a special offer, earn a total of 5 Thank You^® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025.*
• 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 17.74% to 27.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Earn 2X ThankYou^® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou^® Points on All Other Purchases.
• The Citi Rewards+^® Card – the only credit card that automatically rounds up to the nearest 10 points on every purchase – with no cap.
• No Annual Fee

Financial Snapshot

• APR: 0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.74% to 27.74%.
• Foreign Transaction Fees: 3% of each purchase transaction in US dollars

Citi Double Cash^® 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.

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Citi Double Cash^® Card

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!

Welcome Offer

Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.

$200 cash-back

Annual Fee

$0

APR

0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% 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 cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Double Cash^® Card has long been one of the top cash-back credit cards on the market, and the card now has the ability to earn Citi ThankYou Points!

This means that cardholders of the Double Cash card will now earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Cash back is earned in the form of ThankYou Points. This means each billing cycle, you will earn 1 ThankYou point per $1 spent on purchases and an additional ThankYou point for every $1 paid on your purchase balance as long as there is a corresponding balance in your Purchase Tracker.

Citi has turned the Double Cash card into a top choice for those who are looking for an everyday, no-fuss credit card.

Pros & Cons

Pros

• Uncapped 2% for every $1 spent (1% when you buy and another 1% when you pay)
• Flexible redemption options
• No annual fee

Cons

• No bonus categories
• 3% foreign transaction fees

Read Full Review

Card Highlights

• Bonus Offer: Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
• To earn cash back, pay at least the minimum due on time.
• Balance Transfer Only Offer: 0% Intro APR for 18 months on balance transfers; after that, the variable APR will be 18.24% – 28.24%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
• If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
• There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
• Citi Double Cash^® Card Travel Portal Special Offer
  Earn a total of 5 ThankYou^® Points per $1 spent on hotel, car rental, and attractions, excluding air travel, when booked through the Citi Travel℠ portal via cititravel.com or by calling 1-833-737-1288 (TTY: 711). Offer is valid through 12/31/2025.

Financial Snapshot

• APR: 0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% Variable
• Foreign Transaction Fees: 3% of the U.S. dollar amount of each purchase

Rewards Center

Citi ThankYou Rewards

Citi Custom Cash^® 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.

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!

Citi Custom Cash^® Card

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!

Welcome Offer

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.

$200

Annual Fee

$0

APR

0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.

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 cardapplication.

Fair to Excellent (580-850)

Why We Like This Card

The Citi Custom Cash^® Card is inventive when it comes to cash-back credit cards. Instead of earning a set amount of cash-back on predetermined bonus categories, the Citi Custom Cash card earns 5% cash-back on your highest eligible spend category each billing cycle, with a $0 annual fee.

Thanks to that unique perk, you’ll never need to worry about whether you’re using the right card for the right purchase, as your Citi Custom Cash card will always pay you 5% back on whichever category you end up spending the most on each month.

Pros & Cons

Pros

• 5% cash-back (on up to $500 each billing cycle) from your largest purchase category, including restaurants, gas stations, grocery stores, select travel, select transit, select streaming services, drugstores, home improvement stores, fitness clubs, and live entertainment
• $0 annual fee
• Multiple redemption options

Cons

• Your 5% category is limited to $500 in spend ($25 in cash-back) each month
• Not particularly rewarding for any purchases outside of your top 5% cash-back category

Read Full Review

Card Highlights

• Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This offer will be fulfilled as 20,000 ThankYou^® Points, which can be redeemed for $200 cash back.
• Get 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Earn unlimited 1% cash back on all other purchases.
• Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2026.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• $0 annual fee.
• Citi will only issue one Citi Custom Cash^® Card account per person.

Financial Snapshot

• APR: 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.
• Foreign Transaction Fees: 3%

How To Redeem Wyndham Rewards Points

Wyndham Rewards is known for major changes to its program, and the current iteration is its biggest change ever.

Free Night Awards at Wyndham Hotels & Resorts, Wyndham Vacation Clubs, and Caesars Entertainment

Each type of free night award has 3 prices:

• Go Free — 7,500, 15,000, or 30,000 points per night for any Wyndham property
• Go Fast — 1,500, 3,000, or 6,000 points per night plus a variable cash copay (generally $25 to $150) for any Wyndham property

You can book these online by searching from Wyndham Rewards.

Free Night Awards at Non-Hotel Properties

You can also book award nights at:

• Vacasa
• Cottages.com
• Landal GreenParks

Go Free and Go Fast work a bit differently for condos and homes. The 15,000/3,000 pricing is per bedroom, so a 2-bedroom unit is double the price of a single bedroom.

Many are subject to minimum stay requirements, but you can mix points and paid nights if you do not have enough points for your entire stay.

You have to call to book these special properties. Each has a different contact number; check terms and contacts here.

Hot Tip: Due to a partnership formed in 2021, Wyndham Rewards members can also redeem their points at 15,000+ Vacasa vacation rental properties for a cost of 15,000 points per room, per night.

Other Types of Awards

Wyndham Rewards has additional types of awards or things you can do with your points:

• Tours and activities
• Marathon Gas
• Merchandise
• Gift cards
• Charitable donations
• Point transfer partners
• Converting to cash

Most of these awards are of poor value for travelers. Transferring to airline miles used to be a great option, but it has been drastically devalued.