Wyndham Rewards Earner Plus Credit Card Review: Earn 45,000 Points

This post contains links to products from our advertisers, and we may be compensated when you click on these links. Our recommendations and advice are ours alone, and have not been reviewed by any issuers listed. Terms apply to offers listed on this page. Read our editorial standards.

Regular APR

15.74%, 19.99% or 24.99%

Featured Reward

45,000 bonus points after spending $1,000 on purchases in the first 90 days

Intro APR

0% intro APR on balance transfers for 15 months

Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • Complimentary Platinum elite status
    • Strong points earning on Wyndham stays and gas stations
    • Annual bonus of 7,500 points for your cardmember anniversary
    • 10% points discount for booking gofree Wyndham award stays
    Cons

    • The information related to the Wyndham Rewards® Earner Plus Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart)
    • Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham
    • Earn 6 points per dollar on gas purchases
    • Earn 1 point per dollar on all other purchases

    Review: Is the Wyndham Rewards Earner Plus the best credit card for you?

    The Wyndham Rewards® Earner Plus Card is often overlooked when it comes to hotel credit cards. After all, the Wyndham brand isn’t quite as ubiquitous as competitors like Hyatt, Marriott, and IHG. However, what it lacks in brand recognition, this card makes up for in substance. 

    The card offers a substantial sign-up bonus that can cover up to six free hotel nights: 45,000 bonus points after spending $1,000 on purchases in the first 90 days.

    If you’re more of a vacation rental traveler, the program will appeal to you because you can use the sign-up bonus to book an entire home or condo starting at 15,000 points per night per bedroom. That versatility makes Wyndham Rewards an excellent program for family travelers looking to stretch their points further. 

    Read more: Guide to the best hotel credit cards

    Beyond the sign-up bonus, the Wyndham Rewards® Earner Plus Card offers recurring benefits that make free nights attainable. Cardholders get a 10% discount on award nights, along with 7,500 bonus points on every card anniversary. That’s enough for a free night award, and this perk alone can help you justify the $75 annual fee, which is reasonable compared to most other hotel cards.

    Your daily spending will also be rewarded, with 6x points on Hotels by Wyndham purchases and 4x on dining and grocery spending. These are two pretty substantial spending categories for most people, so that 4x bonus will add up over time. All other purchases earn 1 point per dollar spent.

    As an added perk, the Wyndham Rewards® Earner Plus Card allows you to bypass elite status requirements. All cardholders are automatically upgraded to Platinum status, which comes with valuable perks like a member services line, 15% bonus points on paid stays, and free rental car upgrades.

    Comparison: Wyndham Rewards Earner Plus vs other Wyndham credit cards

    *Bonus points at Wyndham, Marriott, and Hilton hotels are in addition to the points members would normally earn from a stay

    Wyndham Rewards Earner Plus vs other hotel credit cards

    *Bonus points at Wyndham, Marriott, and Hilton hotels are in addition to the points members would normally earn from a stay

    ***the Marriott Bonvoy Boundless® Credit Card offers an annual free night award each year after your account anniversary for participating Marriott Bonvoy properties that cost up to 35,000 points

    How to earn points from the Wyndham Rewards Earner Plus card

    The Wyndham Rewards® Earner Plus Card offers several ways to earn Wyndham points. For starters, new cardholders earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days.

    Read more: I haven’t paid for a hotel room in 10 years — here’s how I stay for free

    Considering free night awards start at just 7,500 points, the sign-up bonus is enough for up to six free nights. Cardholders also earn 7,500 bonus points on every cardholder anniversary.

    Aside from the sign-up and annual bonus, the card earns offers 1 to 6 points per dollar spent in a variety of categories: 

    • 6 points per dollar spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases (automated fuel dispensers and service stations)
    • 4 points per dollar spent on eligible dining (including fast food) and grocery store purchases (excluding Target and Walmart)
    • 4x points at Wyndham Timeshare properties (participating Club Wyndham, WorldMark by Wyndham, and Shell Vacations Club properties)
    • 1 point per dollar spent on all other purchases (excluding Wyndham Timeshare resort down payments)

    How to use Wyndham Rewards points

    Wyndham Rewards offers several options for redeeming your Wyndham points. Redeeming points for free night awards will typically provide the best value.

    Read more: How to earn, redeem, and maximize Wyndham Rewards points

    If you’re short on points, you can opt for a discounted award option that requires a cash copay. This can make award nights more attainable, helping you put your points to good use while securing hotels and vacation rentals at a discounted rate.

    Redeem points for Go free awards

    Wyndham’s Go free awards range from 7,500 to 30,000 points per night at hotels or 15,000 to 30,000 points per bedroom at club resorts and vacation rentals. These rates are very competitive compared to more mainstream hotel loyalty award charts that impose peak/off-peak pricing and only offer single rooms.

    As a comparison, Marriott Bonvoy currently prices award nights out as high as 100,000 points for just a single room. Redeeming points for Wyndham Go Free awards might be an especially great proposition for families who require more than one room.

    Read more: The 5 best credit card rewards programs for socially distant travel in 2021

    Wyndham’s rates work out more reasonably than other programs, especially on vacation rentals that offer multiple bedrooms, a kitchen, laundry facilities, and other amenities that provide a more comfortable experience for families with children.

    Redeem points for Go fast awards

    Wyndham offers a points and cash option called Go fast for those who don’t have enough points for a free night award. Members willing to pay a cash copay can redeem just 1,500 to 6,000 Wyndham points per night at a hotel or 3,000 to 6,000 points per bedroom at club resorts or vacation rentals. 

    The cash portion varies, but you can typically expect to pay about 70% of the Best Available Rate. It’s worth comparing all the cash rates against the Go fast award copay to ensure this redemption makes sense.

    Redeem points for activities

    Wyndham partners with Viator to allow members to redeem points for activities. These include museum tickets, bus tours, or even CityPasses.

    The number of points required varies by activity, but these awards are generally not a good use of points. For example, for 7,777 points, you can rent rollerblades at Central Park in New York City. The cash cost of this rental is $27, which is way less than the value you’d get redeeming 7,777 points for hotels.

    Redeem points for shopping and gift cards

    If redeeming points for travel or activities don’t appeal to you, Wyndham provides another option: Shopping and gift cards. Gift cards start at just 2,200 points for a $25 Restaurant.com gift card and go up as high as 27,000 points for a $100 Maggiano’s gift card.

    Read more: 7 things you can do with your points and miles besides booking travel, from making Amazon purchases to ordering food delivery

    While these may sound like appealing options for redeeming Wyndham points, members will get much higher value by redeeming points for free nights. As previously mentioned, a free hotel night starts at just 7,500 points, which can save you at least $50 on a hotel. Meanwhile, the same number of points will get you a gift card valued at just $25. 

    Redeeming points for merchandise and subscriptions isn’t a particularly good value either. For example, a $60 Costco membership costs 18,692 Wyndham points.

    Donate Wyndham points to charity

    While not quite a “redemption,” Wyndham Rewards members can donate points to charity. Redemptions start at just 500 points and participating organizations include Save the Children, Starlight Children’s Foundation, National Parks Conservation Association, and the YMCA. 

    Donating Wyndham points to charity is an excellent option if your points are about to expire or you have a small balance that you don’t plan on adding to anytime soon. Wyndham points earned through hotel stays expire four years after the checkout date. 

    Benefits and features

    The Wyndham Rewards® Earner Plus Card comes equipped with many benefits and features to make your travels more convenient for a reasonable annual fee.

    Platinum status

    Wyndham Rewards® Earner Plus Card cardholders receive automatic Platinum elite status. Usually, it takes 15 nights to reach this level, though Wydnahm has temporarily decreased the requirement to nine nights. 

    Read more: 11 credit cards that get you hotel elite status just by having them in your wallet

    Wyndham Platinum members get access to a dedicated member services line, 15% bonus points on qualifying stays, early check-in, late check-out, status match to Caesars Rewards Platinum, and free upgrades at participating Avis and Budget car rentals. 

    Anniversary points bonus

    Each year on your card anniversary, you’ll receive a bonus of 7,500 Wyndham points. That’s enough for a free night at the lowest-tier Wyndham hotels — and can potentially offset more than the annual fee.

    Cardmember booking discount 

    The cardmember booking discount is a nice benefit of the Wyndham Rewards® Earner Plus Card cardmembers. At participating hotels, cardmembers will receive a discount of 4% or more. This is double the discount extended to all Wyndham members. 

    While 4% may not sound substantial, it can add up over time for those who pay for Wyndham stays frequently. It’s a nice added perk on top of the 6 points per dollar the card earns at Wyndham hotels.

    10% discount on Go free awards

    If the 4% discount on paid stays isn’t appealing, you might find the 10% discount on Go free awards more useful. This benefit applies exclusively to Wyndham Rewards® Earner Plus Card cardholders and can take the sting out of large award redemptions.

    Introductory 0% APR

    Wyndham Rewards® Earner Plus Card qualify for an introductory 0% APR on Wyndham Timeshare purchases for the first six billing cycles (then 15.74%, 19.99% or 24.99%).

    Read more: The best 0% APR and low-interest credit cards

    There’s also an introductory 0% APR on balance transfers that post to your account within the first 45 days for the first 15 billing cycles (then 15.74%, 19.99% or 24.99%).

    Regular APR

    15.74%, 19.99% or 24.99%

    Featured Reward

    45,000 bonus points after spending $1,000 on purchases in the first 90 days

    Intro APR

    0% intro APR on balance transfers for 15 months

    Chevron icon It indicates an expandable section or menu, or sometimes previous / next navigation options.

  • Pros & Cons
  • Details

  • Pros
    • Complimentary Platinum elite status
    • Strong points earning on Wyndham stays and gas stations
    • Annual bonus of 7,500 points for your cardmember anniversary
    • 10% points discount for booking gofree Wyndham award stays
    Cons

    • The information related to the Wyndham Rewards® Earner Plus Card has been collected by Business Insider and has not been reviewed by the issuer.
    • Earn 4 points per dollar on eligible dining and grocery store purchases (excluding Target and Walmart)
    • Earn 6 points per dollar on eligible purchases made at Hotels by Wyndham
    • Earn 6 points per dollar on gas purchases
    • Earn 1 point per dollar on all other purchases

    Fees and costs

    The Wyndham Rewards® Earner Plus Card has a $75 annual fee, which is reasonable for a hotel credit card. Most other hotel cards charge annual fees ranging from $95 to $450.

    Read more: The best credit cards with no foreign transaction fees

    The card doesn’t charge foreign transaction fees, meaning you can use it abroad without incurring an extra charge of 3% or more. Like most other cards, there are fees for balance transfers, cash advances, late payments, and returned payments.

    Featured credit cards from our partners

    Featured Reward

    3 free nights (each valued up to 50,000 points) after qualifying purchases and 10x total points on eligible purchases in select categories

    Featured Reward

    $200 after spending $500 on purchases in the first three months from account opening

    Similar Articles

    Comments

    LEAVE A REPLY

    Please enter your comment!
    Please enter your name here

    Advertismentspot_img

    Instagram

    Most Popular