Wyndham Rewards Earner Plus Card review: Excellent perks and earnings rate with a low annual fee
Editor's Note
Wyndham Rewards Earner Plus Card overview
Even if you aren't a Wyndham loyalist, the Wyndham Rewards Earner® Plus Card is worth considering. It comes with perks like automatic elite status, an anniversary points bonus and a generous earnings rate while having a modest annual fee. Card rating*: ⭐⭐⭐½
*Card rating is based on the opinion of TPG's editors and is not influenced by the card issuer.
The Wyndham Rewards Earner Plus offers a strong collection of hotel benefits for a manageable $95 annual fee. It comes with automatic elite status, anniversary bonus points, a 10% discount on award stays and several travel and lifestyle perks that can help offset the cost of carrying the card.
Wyndham recently refreshed its cobranded credit card portfolio, adding more value to the Earner Plus through expanded bonus categories and enhanced ongoing benefits. Even if you aren't a die-hard Wyndham loyalist, the card may be worth considering if you stay with the brand at least a few times each year.
The recommended credit score for this card is at least 670. However, it is possible to get approved with a lower score.
Let's examine whether the Wyndham Rewards Earner Plus card deserves a spot in your wallet.
The information for the Wyndham Rewards Earner Plus card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Wyndham Rewards Earner Plus Card pros and cons
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Wyndham Rewards Earner Plus Card welcome offer
New Wyndham Rewards Earner Plus applicants can earn up to 100,000 points: Earn 45,000 points after spending $1,000 on purchases in the first 90 days of account opening, and earn an additional 55,000 points after spending $500 at Hotels by Wyndham within the first 180 days of account opening.
Based on TPG's July 2026 valuations, which peg Wyndham Rewards points at 0.7 cents each, the full welcome offer is worth approximately $700.
It's important to note that Barclays can be inquiry-sensitive, so we recommend having no more than five hard inquiries on your credit report in the past 24 months before applying.
Related: The best current credit card welcome bonuses
Wyndham Rewards Earner Plus Card benefits
The Wyndham Rewards Earner Plus Card offers a compelling collection of benefits for a card with a $95 annual fee.
Cardholders receive automatic Wyndham Rewards Diamond status during their first year. Diamond is Wyndham's highest published elite tier and includes benefits such as suite upgrades (subject to availability), early check-in and late checkout (when available), bonus points on eligible stays and the ability to gift Gold status to another Wyndham Rewards member once per calendar year.
After the first year, cardholders receive automatic Wyndham Rewards Platinum status, which is one tier below Diamond and includes benefits such as early check-in, late checkout, preferred room selection and bonus points on eligible stays.
Beyond elite status, cardholders receive:
- 15,000 anniversary bonus points: Receive 15,000 bonus points each year after paying the annual fee.
- An annual free night: Receive a free night worth up to 15,000 points after staying at least five qualifying nights in a calendar year.
- A 10% award discount: Redeem 10% fewer points on Wyndham Go Free award stays.
- Up to $50 in meal delivery credits: Receive up to $25 in statement credits every six months on eligible meal delivery purchases.
- National Emerald Club Executive status: Enjoy benefits such as access to the Executive Area and complimentary vehicle upgrades, subject to availability.
- Cardmember booking discounts: Access discounted rates on eligible stays at participating Hotels by Wyndham and properties booked through Wyndham Travel Bundles.
- A 15% discount on purchased points: Save 15%, or receive the best available offer, when purchasing Wyndham Rewards points with the card.
- Points Payback: Redeem Wyndham Rewards points for statement credits toward eligible purchases made within the previous 90 days.
The 15,000 anniversary points alone can help offset the annual fee if you regularly redeem Wyndham points for hotel stays. Add in the award discount, annual free night opportunity and meal delivery credits, and the card can provide meaningful ongoing value for travelers who stay with Wyndham even a few times each year.
Related: The ultimate guide to earning and redeeming Wyndham Rewards
Earning points on the Wyndham Rewards Earner Plus Card
The Wyndham Rewards Earner Plus earns:
- 6 points per dollar spent on Wyndham hotels
- 4 points per dollar spent on travel, dining and at grocery stores (excludes Walmart and Target)
- 1 point per dollar spent on all other purchases (excluding Wyndham Vacation Club down payments)
The Wyndham Earner Plus excels if you regularly stay at Wyndham properties, but it also holds its own as an everyday card thanks to its elevated earning rates on travel, dining and grocery purchases.
Travelers who prioritize flexible rewards may still prefer a transferable-points card, but Wyndham loyalists will likely get more value by earning Wyndham Rewards points directly.
Redeeming points on the Wyndham Rewards Earner Plus Card
With the Wyndham Rewards Earner Plus, you can redeem your points for hotel stays, airline transfers, gift cards, merchandise, statement credits, tours and experiences, charitable donations and even an AARP membership.
The most valuable way to redeem Wyndham Rewards points is typically for hotel stays. Unlike many hotel loyalty programs that have adopted dynamic award pricing, Wyndham continues to use a fixed award chart.
Beginning Sept. 15, award nights are priced at 5,000, 15,000, 30,000 or 45,000 points per bedroom, depending on the property. While the addition of a new 45,000-point tier represents a modest devaluation for a small number of premium hotels, fixed pricing still makes award costs predictable.
Cardholders also receive a 10% discount on Go Free award stays, reducing award costs to as few as 4,500 points per bedroom at the lowest tier.
TPG lead points and loyalty writer Katie Genter has redeemed Wyndham points for 15,000-point nights in Hawaii and 7,500-point nights on South Korea's Jeju Island.
You can also redeem Wyndham Rewards points for Caesars Rewards properties, Wyndham Vacation Club stays, Landal GreenParks properties and cottages.com bookings.
Wyndham Vacation Club owners can also convert Wyndham Rewards points into Maintenance Dollars to help offset annual maintenance fees.
Transferring points on the Wyndham Rewards Earner Plus Card
Wyndham has a solid list of airline transfer partners. However, you generally receive better value when you redeem your points for Wyndham stays than when you transfer them to partners.
Wyndham has nine total airline transfer partners, including Air Canada Aeroplan points, Avianca Lifemiles, Frontier Airlines Frontier Miles, Turkish Airlines Miles&Smiles and United MileagePlus miles.
All points are transferred at a 5:1 ratio; you must transfer at least 6,000 points. This means 6,000 Wyndham points are equivalent to 1,200 partner points. Given this transfer ratio, we strongly recommend avoiding this as a redemption method.
Related: Should you transfer hotel points to airline partners?
Which cards compete with the Wyndham Rewards Earner Plus Card?
If you want more Wyndham Rewards perks or prefer a different type of reward, you may want to choose one of these cards instead:
- If you prefer no annual fee: The Wyndham Rewards Earner® Card offers many of the same core benefits as the Earner Plus without an annual fee. Cardholders receive automatic Wyndham Rewards Gold status, a 10% discount on Go Free award stays, cardmember booking discounts and bonus points on Wyndham stays, dining, groceries, gas, electric vehicle charging and eligible Vacation Club purchases. To learn more, read our full review of the Wyndham Rewards Earner card.
- If you prefer to earn flexible currency: The Capital One Venture Rewards Credit Card earns at least 2 miles per dollar spent on all purchases, comes with a Global Entry/TSA PreCheck fee credit and has a $95 annual fee. Capital One miles can be transferred to Wyndham. To learn more, read our full review of the Capital One Venture Rewards.
- If you prefer a business card and higher status: The Wyndham Rewards Earner® Business Card is a better fit for small-business owners who want richer Wyndham benefits. It includes automatic Wyndham Rewards Diamond status, earns bonus points on Wyndham stays, eligible business purchases, gas, EV charging and Vacation Club purchases. To learn more, read our full review of the Wyndham Earner Business.
For additional options, check out our full list of the best hotel credit cards.
The information for the Wyndham Rewards Earner card and Wyndham Rewards Earner Business card has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.
Related: How to choose a hotel credit card
Is the Wyndham Rewards Earner Plus Card worth it?
The Wyndham Rewards Earner Plus is arguably the sweet spot in Wyndham's refreshed credit card lineup.
Although the card comes with a $95 annual fee, the additional benefits — including first-year Diamond status, anniversary bonus points, statement credits and a free night after qualifying stays — more than justify the cost for many Wyndham travelers.
Travelers who stay only occasionally may still prefer the no-annual-fee Earner Card, while frequent Wyndham guests who can maximize over $400 in annual credits should consider Wyndham's new premium card instead.
Bottom line
The Wyndham Rewards Earner Plus Card offers an appealing middle ground for travelers who want more benefits than a no-annual-fee hotel card provides without paying for a premium card.
Its automatic elite status, 15,000 anniversary bonus points, 10% award discount and annual free-night opportunity can easily justify the $95 annual fee for travelers who stay with Wyndham several times a year. Strong earnings on Wyndham stays, travel, dining and groceries add further value.
Occasional Wyndham guests may be better suited to the no-annual-fee Wyndham Rewards Earner Card, but the Earner Plus is a compelling choice for travelers who can consistently use its Wyndham-focused benefits.
Related: Best hotel rewards programs in the world: Which one is right for you?
TPG featured card
at American Express's secure site
Terms & restrictions apply. See rates & fees.
| 4X | Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 4X | Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year. |
| 5X | New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App. |
| 3X | Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines. |
| 2X | Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com. |
| 1X | Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases. |
Pros
- Valuable dining and food-related credits
- Flexible rewards with airline and hotel transfer partners
- Multiple travel and purchase protections
- No foreign transaction fees
- Access to Amex Offers for additional savings (enrollment required)
Cons
- Not as useful for those living outside the U.S.
- Some may have trouble using Uber and other dining credits
- You may be eligible for as high as 100,000 Membership Rewards® Points after you spend $8,000 in eligible purchases on your new Card in your first 6 months of Card Membership. Welcome offers vary and you may not be eligible for an offer. Apply to know if you’re approved and find out your exact welcome offer amount – all with no credit score impact. If you’re approved and choose to accept the Card, your score may be impacted.
- Earn 4X Membership Rewards® points per dollar spent on purchases at restaurants worldwide, on up to $50,000 in purchases per calendar year, then 1X points for the rest of the year.
- Earn 4X Membership Rewards® points per dollar spent at US supermarkets, on up to $25,000 in purchases per calendar year, then 1X points for the rest of the year.
- New! Earn 5X Membership Rewards® points on prepaid hotel stays booked through AmexTravel.com or the Amex Travel App.
- Earn 3X Membership Rewards® points on flights booked through AmexTravel.com, the Amex Travel App, or purchased directly from airlines.
- Earn 2X Membership Rewards® points on prepaid car rentals booked through AmexTravel.com or the Amex Travel App and cruises booked and paid through AmexTravel.com.
- Earn 1X Membership Rewards® point per dollar spent on all other eligible purchases.
- Pay It® lets you tap in the American Express® App to quickly pay for small purchase amounts throughout the month and still earn rewards the way you usually do. Plan It® gives you the option to split up big purchases into equal monthly payments with a fixed fee. You’ll know upfront exactly how much you’ll pay.
- Updated! $120 Dining Credit: Earn up to a total of $10 in statement credits monthly when you pay with the Gold Card at Grubhub (including Seamless), Buffalo Wild Wings, Five Guys, The Cheesecake Factory, and Wonder. This can be an annual savings of up to $120. Enrollment required.
- $100 Resy Credit: Get up to $100 in statement credits each calendar year at over 10,000 qualifying U.S. Resy restaurants after you pay for eligible purchases with the American Express® Gold Card. That’s up to $50 in statement credits semi-annually. Enrollment required.
- $84 Dunkin' Credit: Earn up to $7 in monthly statement credits after you pay with the American Express® Gold Card at U.S. Dunkin’ locations. Enrollment required.
- $120 Uber Cash on Gold: Enjoy up to $120 in Uber Cash annually with your Gold Card. Just add your Card to your Uber account and you'll get $10 in Uber Cash each month to use on orders and rides in the U.S. when you select an Amex Card for your transaction.
- New! As an American Express® Gold Card Member, you can enjoy complimentary Hertz Five Star® Status. Enjoy benefits like skipping the counter at select locations, adding an additional driver at no additional cost*, and vehicle upgrades**. Benefit enrollment and Hertz Gold+ registration are required. *Additional drivers must meet standard rental qualifications and must be a spouse or domestic partner to qualify as complimentary. Other additional drivers subject to fees. **Benefits are subject to availability and vary by location. Additional Hertz program Terms and Conditions including age restrictions apply.
- Take advantage of a $100 credit towards eligible charges* at over 1,300 upscale hotels worldwide when you book The Hotel Collection through AmexTravel.com or the Amex Travel App **. *Eligible charges vary by property. **The Hotel Collection requires a two-night minimum stay.
- Book your travel through the Amex Travel App with added peace of mind – backed by American Express® service and support. Only for American Express® Card Members.
- Whenever you need us, we're here. Our Member Services team will ensure you are taken care of. From lost Card replacement to statement questions, we are available to help 24/7.
- No Foreign Transaction Fees.
- Annual Fee is $325.
- Terms Apply.