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Wyndham Rewards Loyalty Program Review [2024]

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Alex Miller
Alex Miller's image

Alex Miller

Founder & CEO

298 Published Articles

Countries Visited: 34U.S. States Visited: 29

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business...
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Wyndham Rewards Program Overview

Wyndham has over 9,000 properties across more than 80 countries. Those familiar with Wyndham’s budget brands in the U.S. may be surprised at new, upscale properties in the U.S. and resorts around the world.

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

Joining Wyndham Rewards

Wyndham Rewards join
Image Credit: Wyndham Rewards

Register online for a free Wyndham Rewards account. Wyndham Rewards’ slogan is go freego fastgo 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 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 indefinitely stockpile points.

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)
  • 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

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

Platinum Member

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

Diamond Member

  • 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, 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, 2022, the status stay requirements are:

  • Gold: 3 nights per calendar year
  • Platinum: 9 nights per calendar year
  • Diamond: 24 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.

Click here to match if you have Wyndham Rewards status, and here to match if you have Caesars Rewards status.

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 all Wyndham brands
  • 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

Go Meet Wyndham Meetings
Image Credit: Wyndham Rewards

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 Points by Credit Card

There are 3 Wyndham Rewards Earner cards from Barclays:

SCROLL FOR MORE

Card

Points Earned at Wyndham and on Gas

Other Point-Earning Categories

Annual Fee

Wyndham Rewards® Earner℠ Card

5x per dollar

2x per dollar on dining and groceries

$0
Wyndham Rewards® Earner℠ Plus Card

6x per dollar

4x per dollar on dining and groceries

$75
Wyndham Rewards® Earner℠ Business Card

8x per dollar

5x per dollar on marketing, advertising, and utilities

$95

All 3 cards earn 1% 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.

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Card

Wyndham Rewards Earner℠ Card

Wyndham Rewards® Earner℠ Plus Card

Wyndham Rewards® Earner℠ Business Card

Benefits

  • 5x points on hotels by Wyndham and gas
  • 2x points on dining and groceries
  • 1x points on all other purchases
  • Gold status
  • 6x points on hotels by Wyndham and gas
  • 4x points on dining and groceries
  • 1x points on all other purchases
  • Platinum status
  • 8x points on hotels by Wyndham and gas
  • 5x points on marketing, advertising, and utilities
  • 1x points on all other purchases
  • Diamond status

Annual Fee

$0$75$95

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.

Capital One Venture X Rewards Credit CardTerms Apply / Rates & Fees
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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.

The Capital One Venture X card is an excellent option for travelers looking for an all-in-one premium credit card.
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
$1,350
$395
19.99% - 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.
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
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: 19.99% - 29.24% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

 

LIMITED TIME OFFER
Capital One Venture Rewards Credit CardTerms Apply / Rates & Fees
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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!

Get 2x miles plus some of the most flexible redemptions offered by a travel credit card!
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
$1,600
$95
19.99% - 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 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
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: 19.99% - 29.24% (Variable)
  • Foreign Transaction Fees: None
Rewards Center

Capital One Miles

Capital One VentureOne Rewards Credit CardTerms Apply / Rates & Fees
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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.

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.
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
$360
$0
19.24% - 29.24% (Variable),0% intro on purchases for 15 months
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
Cons
  • Weak earn rate at 1.25x miles per $1 spent on all purchases
  • No luxury travel or elite benefits
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.

Citi Premier® Card
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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 information regarding the Citi Premier card has expired, and the card is no longer open to applicants.

*The information regarding the Citi Premier card has expired, and the card is no longer open to applicants.
No offer available
No offer available
$0
$95
21.24% - 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

The Citi Premier® Card is an excellent option for anyone looking for an all-around travel rewards credit card. The card helps you earn points fast with great 3x bonus categories such as restaurants, supermarkets, gas stations, airfare, and hotels. Plus, it offers access to airline and hotel transfer partners, doesn’t charge foreign transaction fees, and has a reasonable annual fee!

Pros & Cons
Pros
  • 3x points at restaurants, supermarkets, gas stations, airfare, and hotel purchases
  • Access to Citi transfer partners
  • Annual hotel credit
Cons
    • $95 annual fee
Card Highlights
  • No welcome offer available
  • Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
  • Earn 3 Points per $1 spent at Restaurants and Supermarkets
  • Earn 1 Point per $1 spent on all other purchases
  • Annual Hotel Savings Benefit
  • 60,000 ThankYou® Points are redeemable for $600 in gift cards redeemable for $600 in gift cards or travel rewards at thankyou.com
  • 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: 21.24% - 29.24% variable
  • Foreign Transaction Fees: None
Rewards Center

Citi ThankYou Rewards

Citi Rewards+® Card
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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.

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.
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
$320
$0
0% intro APR on balance transfers and on purchases for 15 months. After that, a variable APR of 17.74% to 27.74%.
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
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
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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!

Great card for the average spender with no specific focus category; worry-free cash-back earning on everything!
Earn $200 cash-back after spending $1,500 on purchases in the first 6 months of account opening.
$200 cash-back
$0
0% Intro APR for 18 months on balance transfers, then 18.24% - 28.24% 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.
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
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
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon
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!

Earn big on purchases in your top eligible spend category, up to the first $500 each billing cycle, without an annual fee!
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
$0
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.24% to 28.24%.
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
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 new partnership 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.

Frequently Asked Questions

What is Wyndham Rewards?

Wyndham Rewards is the loyalty program for Wyndham Hotels, which has over 9,000 properties in over 80 countries.

Why should I join Wyndham Rewards? Is it worth it?

Wyndham Rewards is a free frequent guest program from Wyndham Hotels.

Registration is free, you immediately get benefits like free Wi-Fi, and you can earn and redeem points for free award nights.

Is there a Wyndham Rewards credit card?

There are 3 versions of Wyndham Rewards Earner credit cards 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. See our article for more details on each card.

Will I earn more Wyndham Rewards points with elite status?

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

  • Earn 10 points per dollar on paid stays at all Wyndham brands
  • Minimum 1,000 points earned per stay
  • Elite status bonuses: 10% for Gold, 15% for Platinum, 20% for Diamond
How many Wyndham Rewards points do I have?

To see your points balance, sign in to your Wyndham Rewards account and view your activity.

What are Wyndham Rewards points worth?

We value Wyndham Rewards points at 0.9 cents each.

Are Wyndham Rewards points transferable?

Yes. You can transfer Wyndham Rewards points to other Wyndham Rewards members (for a fee), transfer points between Wyndham Rewards and Caesars Rewards, transfer them to airline partners, or donate them to charity.

When do Wyndham Rewards points expire?

Wyndham Rewards points expire after 18 months of no account activity. They also expire 4 years (48 months) from the date earned, regardless of account activity.

Where is my Wyndham Rewards number?

You’ll see your Wyndham Rewards number when you log in to your account.

Which hotels are included in Wyndham Rewards?

The Wyndham family of brands includes AmericInn, Baymont, Club Wyndham, Days Inn, Dazzler Hotels, Dolce Hotels and Resorts, Esplendor Boutique Hotels, Hawthorn Suites, Howard Johnson, La Quinta, Margaritaville Vacation Club, Microtel Inn & Suites, Ramada, Shell Vacations Club, Super 8, Trademark Collection, Travelodge, TRYP, Wingate, WorldMark By Wyndham, Wyndham Garden, Wyndham Grand, and Wyndham Hotels and Resorts.

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About Alex Miller

Founder and CEO of Upgraded Points, Alex is a leader in the industry and has earned and redeemed millions of points and miles. He frequently discusses the award travel industry with CNBC, Fox Business, The New York Times, and more.

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