Credit Cards » Credit Card Reviews » Wyndham Rewards Earner Card Review (2024)
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Wyndham Rewards Earner Card Review (2024)

The Wyndham Rewards Earner card offers high rewards rate compared to other no annual fee hotel cards, but it also has some drawbacks.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024
The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.
Author: Lorraine Smithills
Lorraine Smithills

Writer, Contributor

Experience

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
Interest Rates Last Update: June 3, 2024

The banking product interest rates, including savings, CDs, and money market, are accurate as of this date.

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Wyndham Rewards Earner Card

Wyndham Rewards Earner® Card review

Rewards Plan

1x – 5x 5X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®) and 1X points on all other purchases (excluding Wyndham Vacation Club down payments).

Welcome Bonus

30,000 points 30,000 points when you spend $1,000 on your card within 90 days of opening your account

Credit Rating

Good – Excellent

0% Intro

15 months on balance transfers made within 45 days of account opening

Annual Fee

$0

APR

20.49% – 29.74%
Wyndham Rewards Earner Card

Wyndham Rewards Earner® Card review

Rewards Plan

1x – 5x 5X points on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. Earn 2X points on eligible dining and grocery store purchases (excluding Target® and Walmart®) and 1X points on all other purchases (excluding Wyndham Vacation Club down payments).

Welcome Bonus

30,000 points 30,000 points when you spend $1,000 on your card within 90 days of opening your account

0% Intro

15 months on balance transfers made within 45 days of account opening

PROS

CONS

APR

20.49% - 29.74%

Annual Fee

$0

Balance Transfer Fee

5% or $5, whichever is greater

Credit Requirements

Good - Excellent

If you’re brand loyal to Wyndham and tend to stay at Hotels by Wyndham properties, the Wyndham Rewards Earner Card could be a good option for you. Although the card is less generous compared to other Wyndham co-branded cards, you don’t have an annual fee to worry about. The card also offers automatic Gold status, which can add some nice perks to your stay.

However, if you tend to stay at any chain, you are likely to find that a general travel rewards credit card would be better suited to you. There are a number of no annual fee rewards cards that offer points or cash back on travel and everyday purchases. You can then redeem your rewards via the card issuer’s travel portal for free hotel stays or flights.

  • 0% Introductory APR
  • Annual Bonus
  • Automatic Gold Status
  • Booking Discount
  • Go Free Faster
  • Flexible Redemptions
  • No Automatic Free Anniversary Night
  • No 0% APR for Purchases
  • Not as Rewarding as Other Wyndham Co-branded Cards

What are card income requirements?

There are no official income requirements, but you do need to have good to excellent credit to qualify for the card. This means that while Barclays will evaluate your income, it is not the only factor that will be considered when making an approval decision.

Can I get pre-approved?

Barclays does not offer pre approval on its website, but the bank may send out mailers or other promotional material offering select customers pre approval for this or other cards.

Does the card provide car rental insurance?

Since this is a Visa Signature card, you can receive collision damage waiver cover for your rental vehicles, if you reserve and pay for the entire rental with your card.

In this Review

Estimating Your Rewards: A Practical Simulation

Take a look at the table provided below to discover the potential rewards you could earn by utilizing the Wyndham Rewards card. This simulation calculates the benefits you might receive by considering your everyday expenses across various categories.

Please note that the table serves as an estimate, and your actual rewards may vary depending on your individual spending patterns and other influencing factors. Nevertheless, it offers valuable insights into the potential advantages offered by this card.

Wyndham Rewards Earner® Card review

Spend Per Category
Wyndham Rewards Earner Card
$10,000 – U.S Supermarkets
10,000 miles
$3,000 – Restaurants
9,000 miles
$5,000 – Airline
25,000 miles
$4,000 – Hotels
8,000 miles
$4,000 – Gas
4,000 miles
Estimated Annual Miles
56,000 Miles

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Pros and Cons

Just like any other credit card, the Wyndham Rewards credit card has some advantages and disadvantages:

Pros
Cons
0% Introductory APR
No Automatic Free Anniversary Night
Annual Bonus
No 0% APR for Purchases
Automatic Gold Status
Not as Rewarding as Other Wyndham Cards
Booking Discount
Go Free Faster
Flexible Redemptions

If you want to make a balance transfer to the Wyndham Rewards Earner you can benefit from a 0% APR for 15 months on balance transfers made within 45 days of account opening. 

A balance transfer fee does apply and after the promotional period, the standard APR of 20.49% – 29.74% will apply.

If you spend $15,000 on eligible purchases during the year, you’ll receive a 7,500 point bonus on each anniversary year.

As a cardholder, you’ll automatically receive Gold member status with the Wyndham Rewards program. This provides a whole host of benefits including preferred room selection, free WiFi, late check out and more.

Cardmembers can receive a booking discount. You will have access to even more Best Available Rates at participating locations.

Unusually for a co-branded card, you can not only redeem your points for free nights at participating Wyndham properties, but also gift cards, online shopping and more.

You won't be charged any fees for making purchases abroad with the Wyndham Rewards credit card.

Although there is an anniversary points bonus, there is a spending requirement to qualify for this. Unlike many other loyalty cards and programs, there is no automatic free night on your cardmember anniversary.

The card does offer 0%, but this only applies to balance transfers. If you're looking for a 0% card for both purchases and balance transfers, other cards may be relevant.

For example, the Wyndham Rewards Earner Plus has a modest annual fee, but the welcome bonus is more generous and you can earn more points per dollar. Additionally, there is automatic Platinum status and an anniversary bonus with no spend requirement.

In addition to having no limits on the amount of points that you can earn, you can benefit from the Go Free Faster program. This means that you will need 10% fewer points when booking Go Free awards.

Who is the Wyndham Rewards Earner Card Best For?

Since this is a co-branded card, it is best for those who are brand loyal to Hotels by Wyndham. You’ll earn the highest rewards rate with Hotels by Wyndham purchases and award stays offer the best redemption value for your accumulated rewards. You can also benefit from Gold member status, which will enhance your stay experience.

The card could also be a good option if you’re carrying a card balance. If you make the transfer within 45 days of opening your account, you’ll qualify for 0% APR for 15 months. Just bear in mind that a 5% or $5 balance transfer fee will apply to the transaction

If you would like to check alternative hotel cards, here are some alternatives:

Card
Rewards
Bonus
Annual Fee

World of Hyatt

1X – 4X 4 Bonus Points per $1 spent on purchases at all Hyatt hotels. Plus, 5 Base Points from Hyatt per eligible $1 spent for being a World of Hyatt member. 2x Bonus Points per $1 spent at restaurants, on airline tickets purchased directly from the airline, local transit and commuting as well as fitness club and gym memberships. Plus, earn 1 Bonus Point per $1 spent on all other purchases.
Up to 60,000 Bonus Points 30,000 Bonus Points after you spend $3,000 on purchases in your first 3 months from account opening.*Opens offer details overlay Plus, up to 30,000 More Bonus Points by earning 2 Bonus Points total per $1 spent in the first 6 months from account opening on purchases that normally earn 1 Bonus Point, on up to $15,000 spent.
$95

IHG One Rewards Traveler Credit Card

3x – 10x 10X points from IHG® on stays for being an IHG One Rewards member. Plus up to 6X points from IHG® on stays with Platinum Elite Status, a benefit of this card. 5X total points on travel, dining, and at gas stations. 3X points per $1 spent on all other purchases.
140,000 points 140,000 Bonus Points after you spend $3,000 on purchases in the first 3 months from account opening.
$0

chase_sapphire_preffered

2X – 5X 5x total points on travel purchased through Chase Travel, 3x points on dining, online grocery purchases and select streaming services. 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases.
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
$95

hilton honors card

3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriott Bonvoy Boundless Card review 2019

1x – 6X 6X points for every $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® credit card. Plus, earn up to 10X points from Marriott for being a Marriott Bonvoy® member. Plus, earn up to 1X point from Marriott with Silver Elite Status. Earn 3X points for every $1 on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining. Earn 2X points for every $1 you spend on all other purchases.
3 Free Nights 3 Free Nights (each night valued up to 50,000 points) after you spend $3,000 on purchases in your first 3 months from your account opening
$95

amex brilliant

2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership
$650

Tips for Using the Wyndham Rewards Card

As a hotel credit card, here are the main ways to leverage it maximize your benefits:

As with most reward credit cards, there are some redemption methods that offer a better value compared to others. This program offers Go Free nights and you can receive a 10% discount on the rates, but there is also Go Fast, which allows you to redeem some points and pay the remainder in cash.

If you want to receive the annual bonus, you need to make sure that you hit the minimum spend requirement throughout the year. This requires $15,000 on eligible purchases during the year. So, watch your spending carefully to ensure that you hit this minimum.

This should go without saying, but before you make any bookings be sure to check the best available prices on the Wyndham website. While third party sites may offer good deals, as a cardholder, you can qualify for some excellent discounts when you book directly.

Top Offers

Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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Amex gold

Rewards Plan:
1X – 4X 4X points at restaurants (including Uber Eats purchases in the U.S.) and U.S. supermarkets (up to $25,000 per year in purchases, then 1X points), 3X points on flights booked directly with airlines or on amextravel.com, 2X points on rental cars through amextravel.com and 1X points on all other purchases
Welcome Bonus:
60,000 points 60,000 Membership Rewards® Points after you spend $6,000 on eligible purchases with your new Card within the first 6 months of Card Membership

hilton honors card

Rewards Plan:
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
Welcome Bonus:
70,000 points 70,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 6 months of Card Membership

Marriot bonvoy bevy card art

Rewards Plan:
2x – 6x 6X points on purchases at hotels participating in Marriott Bonvoy, 4X points at restaurants worldwide (including takeout and delivery in the U.S.) and U.S. supermarkets (up to $15,000 in combined purchases per year, then 2X points), 2X points on all other purchases
Welcome Bonus:
85,000 points 85,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases within the first 6 months of Card Membership
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
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amex platinum

Rewards Plan:
1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
Welcome Bonus:
80,000 points 80,000 Membership Rewards® points after you spend $8,000 on purchases on your new Card in your first 6 months of Card Membership

amex brilliant

Rewards Plan:
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
Welcome Bonus:
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership

Amex Delta SkyMiles Platinum card

Rewards Plan:
1X – 3X 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants worldwide including takeout and delivery in the U.S., and at U.S. supermarkets and 1X Miles on all other eligible purchases
Welcome Bonus:
85,000 miles 85,000 bonus miles after you spend $4,000 in your first six months
Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

FAQs

If you want to redeem your accumulated rewards, you will need to log into your Wyndham Rewards account. You can then explore the redemption options including gift cards and online shopping.

However, you can also search for hotel stays and view a point and a cash cost. You can then proceed with your booking as normal.

The card does require good to excellent credit, but other than that there are no specific requirements. So, if you have decent credit, you should not have any problems getting the Wyndham Rewards Earner card.

This card would not be a good idea if you have no brand loyalty to Wyndham. If you don’t regularly stay at Hotels by Wyndham properties, you will struggle to accumulate rewards and get the best redemption value. In this scenario, you would be better suited to a general travel rewards credit card.

Compare Wyndham Rewards Earner Card

Surprisingly, despite having no annual fee – the Wyndham Rewards Earner offers higher estimated cash back, which is why it's our winner.

Wyndham Rewards Earner vs. Marriott Bonvoy Boundless: Side By Side Comparison

Picture of Lorraine Smithills

Lorraine Smithills

Lorraine is a freelance finance writer with years of experience in the banking sector and after a successful career in one of the largest retail and commercial financial services providers. She has a passion for helping people with less financial confidence to get control of their money through budgeting, saving, and responsible credit practices.
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1X – 5X 5X points on up to $500,000 spent on directly-booked airfare and flights and prepaid hotels booked through American Express Travel (per calendar year), 2X points on prepaid car rentals through American Express Travel and 1X points on all other purchases
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amex brilliant

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Amex Delta SkyMiles Platinum card

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.
Top Offers From Our Partners

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Advertiser Disclosure
The product offers that appear on this site are from companies from which this website receives compensation.

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Editorial Note: Opinions expressed here are author’s alone, not those of any bank, credit card issuer, hotel, airline, or other entity. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.

Credit Card Reviews Methodology

In order to determine the best possible credit cards, we look at things like fees, interest rates and rewards. We do this with companies that are associated with us as partners as well as other offerings. From there, we make a decision about what the best card is related to different categories and needs. We focus on interest rate cost & fees, especially the cost of carrying a balance, rewards – cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely usability – cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting. We also consider customer reviews.

We look at cards related to good or excellent credit ratings that will then provide a range of different benefits and improvements for someone who has these scores. We also look at low fees when it comes to those who have lower credit scores.