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Matt is a Certified Financial Planner™ and investment advisor based in Columbia, South Carolina. He writes personal finance and investment advice for The Ascent and its parent company The Motley Fool, with more than 4,500 published articles and a 2017 SABEW Best in Business award. Matt writes a weekly investment column ("Ask a Fool") that is syndicated in USA Today, and his work has been regularly featured on CNBC, Fox Business, MSN Money, and many other major outlets. He’s a graduate of the University of South Carolina and Nova Southeastern University, and holds a graduate certificate in financial planning from Florida State University.
Nathan Alderman has worked with The Motley Fool since 2005, making errors his arch-enemies in a variety of roles including a six-year stint as the dedicated fact-checker for The Motley Fool's premium newsletter services. As The Ascent's Compliance Lead, he makes sure that all the site's information is accurate and up to date, which ensures we always steer readers right and keeps various financial partners happy. A graduate of Northwestern University's Medill School of Journalism, Nathan spends his spare time volunteering for civic causes, writing and podcasting for fun, adoring his wife, and wrangling his two very large young children.
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Offer status
The Wyndham Rewards Credit Cards are unavailable on The Ascent. All information was collected independently and not reviewed for accuracy or provided by the credit card issuer. Some items may be out of date.
The Wyndham Rewards credit cards are offered in three different forms, all of which have excellent features and benefits for frequent Wyndham hotel guests. They all earn a high rate of rewards on Wyndham purchases, and offer elite status, anniversary bonuses, and more. Read our full review of all three to find out if one might be a good fit for you.
As of Jun. 18, 2024
Wyndham Rewards Earner® Card
Wyndham Rewards Earner® Plus
Wyndham Rewards Earner® Business
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good (670-850)
Credit Rating Requirement:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Good (670-850)
Welcome Offer:
Earn 75,000 bonus points after spending $2,000 on purchases in the first six months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
75,000 bonus points
Welcome Offer:
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months.
100,000 bonus points
Welcome Offer:
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
up to 100,000 bonus points
Rewards Program:
5X points on Hotels by Wyndham and gas. 2X points on dining and at grocery stores. 1x points on all other purchases.
1X-5X points
Rewards Program:
6X points on Hotels by Wyndham and gas. 4X points on eligible dining and grocery purchases (excluding Target and Wal-Mart). 1X points on other purchases
1X-6X points
Rewards Program:
Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. Earn 5 points per $1 spent on eligible marketing, advertising, and utilities purchases. Earn 1 point per $1 spent on other purchases.
1X-8X points
Intro APR:
0% introductory APR for 15 billing cycles on each balance transfer made within 45 days of account opening
Purchases: N/A
Balance Transfers: 0% for 15 months
Intro APR:
Enjoy a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening.
Purchases: N/A
Balance Transfers: 0% for 15 billing cycles
Intro APR:
Purchases: N/A
Balance Transfers: N/A
Regular APR:
20.99% - 29.99% variable
Regular APR:
20.99% - 29.99% variable
Regular APR:
21.24% - 29.99% variable
Annual Fee:
$0
Annual Fee:
$75
Annual Fee:
$95
Highlights:
Earn 75,000 bonus points after spending $2,000 on purchases in the first six months.
Enjoy a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening. After that a variable APR will apply: 20.99% - 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers.
Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year
5X points on Hotels by Wyndham and gas
2X points on dining and at grocery stores
1x points on all other purchases
Highlights:
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months.
Enjoy a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening.
Receive 7,500 bonus points each anniversary year after payment of the renewal fee-that's enough for up to one free night at participating hotels every year.
Automatically receive a Wyndham Rewards PLATINUM member level and enjoy perks like early check-in, car rental upgrades, and more.
6X points on Hotels by Wyndham and gas
4X points on eligible dining and grocery purchases (excluding Target and Wal-Mart)
1X points on other purchases
Highlights:
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months.
Receive 15,000 bonus points each anniversary year—that's enough for up to two free nights at participating hotels every year.
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy suite upgrades, welcome amenity at check-in, and more.
Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
Earn 5 points per $1 spent on eligible marketing, advertising, and utilities purchases
As mentioned, the Wyndham Rewards credit cards come in three different varieties, including two personal cards and a business version. All three are issued by Barclays. Here's the rundown on each Wyndham hotel credit card so you can decide if one is right for you.
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good (670-850)
Intro APR
0% introductory APR for 15 billing cycles on each balance transfer made within 45 days of account opening
Purchases: N/A
Balance Transfers: 0% for 15 months
Regular APR
20.99% - 29.99% variable
Rewards
5X points on Hotels by Wyndham and gas. 2X points on dining and at grocery stores. 1x points on all other purchases.
1X-5X points
Annual Fee
$0
Welcome Offer
Earn 75,000 bonus points after spending $2,000 on purchases in the first six months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
75,000 bonus points
The Wyndham Rewards Earner® Card is a solid no annual fee credit card product for people who enjoy staying at Wyndham hotels. It has a good rewards rate on Wyndham spending, automatic elite status, and hotel discounts, but doesn't have quite as many perks as the versions of the card with an annual fee.
No annual fee
Automatic Gold elite status
0% intro APR for balance transfers
Welcome offer
No 0% intro APR on purchases
Earn 75,000 bonus points after spending $2,000 on purchases in the first six months.
Enjoy a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening. After that a variable APR will apply: 20.99% - 29.99%, based on your creditworthiness and other factors. There is a fee for balance transfers.
Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year
5X points on Hotels by Wyndham and gas
2X points on dining and at grocery stores
1x points on all other purchases
Wyndham Rewards Earner
This credit card is a good fit for: People who regularly stay at Wyndham properties who want to earn extra rewards for their stays.
The Wyndham Rewards Earner® Card is the no annual fee Wyndham credit card for individuals. It earns 5X points per $1 spent on Hotels by Wyndham and gas, 2X points per $1 on most dining and grocery store purchases, and 1X point per $1 on other purchases. There is currently a welcome offer of 75,000 bonus points after spending $2,000 on the card in the first six months, which can get you as many as four free nights at Wyndham properties.
In addition to the rewards points, the Wyndham Rewards Earner® Card gives the cardholder automatic Wyndham Rewards Gold elite status, which includes free wifi, late checkout, and other perks. Cardholders get a discount at participating Wyndham hotels, a 10% discount on point redemptions toward Wyndham go free® awards, and a 7,500 point bonus every anniversary year that $15,000 or more is spent on the card. There's also an intro APR of 0% for 15 months on balance transfers made within 45 days of opening an account.
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good (670-850)
Intro APR
Enjoy a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening.
Purchases: N/A
Balance Transfers: 0% for 15 billing cycles
Regular APR
20.99% - 29.99% variable
Rewards
6X points on Hotels by Wyndham and gas. 4X points on eligible dining and grocery purchases (excluding Target and Wal-Mart). 1X points on other purchases
1X-6X points
Annual Fee
$75
Welcome Offer
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months.
100,000 bonus points
The Wyndham Rewards Earner® Plus Card offers a high rewards rate on hotel stays and several common spending categories, as well as a generous welcome offer. Cardholders get automatic elite status, hotel discounts, and an anniversary bonus. This is a card designed for frequent travelers who want to maximize their rewards.
Welcome offer
Strong rewards program
Platinum status
Anniversary bonus
$75 annual fee
No 0% intro APR on purchases
Earn 100,000 bonus points after spending $2,000 on purchases in the first six months.
Enjoy a 0% introductory APR for 15 months on each balance transfer made within 45 days of account opening.
Receive 7,500 bonus points each anniversary year after payment of the renewal fee-that's enough for up to one free night at participating hotels every year.
Automatically receive a Wyndham Rewards PLATINUM member level and enjoy perks like early check-in, car rental upgrades, and more.
6X points on Hotels by Wyndham and gas
4X points on eligible dining and grocery purchases (excluding Target and Wal-Mart)
1X points on other purchases
Wyndham Rewards Earner Plus
This credit card is a good fit for: Frequent Wyndham hotel guests who want to maximize their rewards.
The Wyndham Rewards Earner® Plus is a more feature-packed rewards credit card, and comes with a $75 annual fee. For starters, the reward earning rate is significantly higher than the base card, earning 6X points per $1 on Hotels by Wyndham and gas, and 4X points per $1 on most dining and grocery purchases. And the welcome offer is higher: 100,000 bonus points after spending $2,000 in the first six months.
Beyond the rewards program, there are some valuable benefits. Cardholders automatically receive Platinum elite status, which adds perks like early check-in and rental car upgrades. It has the same 7,500 point anniversary bonus as the base card, but there's no spending requirement -- you'll get it every year upon paying the card's annual fee, and this perk alone can justify paying the $75. The Wyndham Rewards Earner® Plus also has the same hotel and point redemption discounts, and also offers a 0% for 15 billing cycles on balance transfers made within 45 days of account opening.
Credit Score:
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Recommended Credit Score required for this offer is: Good (670-850)
Poor
Fair
Good
Excellent
300-579
580-669
670-739
740-850
Credit Score
Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.
Good (670-850)
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
21.24% - 29.99% variable
Rewards
Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases. Earn 5 points per $1 spent on eligible marketing, advertising, and utilities purchases. Earn 1 point per $1 spent on other purchases.
1X-8X points
Annual Fee
$95
Welcome Offer
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
up to 100,000 bonus points
The Wyndham Rewards Earner® Business Card offers some excellent benefits for small business owners who travel often, including Diamond elite status. It has a generous reward earning rate, a strong welcome offer, and an anniversary bonus good for as many as two free nights per year.
High reward earning rate
Automatic Diamond status
Lucrative anniversary bonus
No 0% intro APR offers
High spending requirement for welcome offer
Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months.
Receive 15,000 bonus points each anniversary year—that's enough for up to two free nights at participating hotels every year.
Automatically receive a Wyndham Rewards DIAMOND member level and enjoy suite upgrades, welcome amenity at check-in, and more.
Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases
Earn 5 points per $1 spent on eligible marketing, advertising, and utilities purchases
Earn 1 point per $1 spent on other purchases
Wyndham Rewards Earner Business
This credit card is a good fit for: Small business owners who frequently stay at Wyndham properties.
The Wyndham Rewards Earner® Business has the highest annual fee of the trio ($95), and as the name suggests, it is designed for small business customers. It has the most lucrative rewards earning structure of the three, with 8X points per $1 on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases, and a 5X points per $1 earning rate on marketing, advertising, and utilities charged to the card. All other purchases earn 1X point per $1. The welcome bonus is tiered. Earn 50,000 bonus points after spending $4,000 on purchases in the first 90 days and earn 50,000 bonus points after spending $15,000 on purchases within the first 12 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Beyond the rewards program, the Wyndham Rewards Earner® Business gives the cardholder free Diamond elite status, which adds perks like free suite upgrades and a welcome amenity at check-in. It also offers a 15,000 point anniversary bonus every year with no spend requirement, enough for as much as two free nights.
Credit card comparison
We recommend comparing options to ensure the card you're selecting is the best fit for you. To make your search easier, here's a short list of standout credit cards.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back on rotating categories
Discover will match all the cash back you've earned at the end of your first year.
N/A
1% - 5% Cashback
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for cash back
Up to $300 cash back
Earn an extra 1.5% on everything you buy (on up to $20,000 spent in the first year) — worth up to $300 cash back. That's 6.5% on travel purchased through Chase Travel℠, 4.5% on dining and drugstores, and 3% on all other purchases.
1.5% - 5% cash back
Enjoy 5% cash back on travel purchased through Chase Travel℠, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more; 3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service, and 1.5% on all other purchases
Intro:
0% Intro APR on Purchases and Balance Transfers for 15 months
Purchases: 0% Intro APR on Purchases, 15 months
Balance Transfers: 0% Intro APR on Balance Transfers, 15 months
5.00/5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs. = Best = Excellent = Good = Fair = Poor
Best for earning travel rewards
75,000 Miles
75,000 Miles once you spend $4,000 on purchases within 3 months from account opening
2X-5X miles
Earn unlimited 2X miles on every purchase, every day. 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.
A Wyndham Rewards credit card is fight for you if:
A Wyndham Rewards credit card could be right for you if you're a fan of Wyndham hotels when you travel and want to maximize your rewards. With three different cards to choose from, there are good options for casual travelers, frequent hotel guests, and small business owners alike.
Our credit card methodology
At The Motley Fool Ascent, we rate credit cards on a five-star scale (1 = poor, 5 = best). Our rating criteria includes rewards rates, welcome bonuses, fees, and perks like travel credits and 0% intro APR offers to evaluate our ratings.
We combine these factors with an evaluation of brand reputation and customer satisfaction to ensure you're getting the best card recommendations. Learn more about how The Ascent rates credit cards.
FAQs
The value of Wyndham points largely depends on how you redeem them, but many travel websites value them at slightly higher than $0.01 each. As an example, MoneyGeek.com values Wyndham Rewards points at $0.011 each.
There are four different Wyndham status levels, including the Blue level where customers start. The first elite tier is Wyndham Gold, which is earned after five qualifying nights. Wyndham Platinum status requires 15 nights, and includes early check-in and several other perks. Finally, Wyndham Diamond status is awarded after 40 nights and includes suite upgrades, free snacks or drinks at check-in, and more.
Wyndham is one of the largest hotel companies in the world. It has more than 9,000 hotels in 95 countries. In addition to the Wyndham brand name, some of its other hotel brands include Dolce by Wyndham, Trademark Collection by Wyndham, LaQuinta, Wingate, Ramada, Microtel, Days Inn, Super 8, Howard Johnson, and Travelodge.
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Bank of America is an advertising partner of The Ascent, a Motley Fool company. Matt Frankel has positions in Bank of America. The Motley Fool has positions in and recommends Bank of America. The Motley Fool recommends Barclays Plc. The Motley Fool has a disclosure policy.
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Fact Checked
Nathan Alderman
