Wyndham Rewards Earner Card vs Wyndham Rewards Earner Plus Card
Annual fees: Wyndham Rewards Earner Card $0/yr, Wyndham Rewards Earner Plus Card $95/yr. Strongest bonus categories: Wyndham Rewards Earner Card on gas stations, Wyndham Rewards Earner Plus Card on gas stations.
Card data as of October 12, 2026.
- Wyndham Rewards Earner Card
Barclays · No annual fee
- Wyndham Rewards Earner Plus Card
Barclays · $95/yr
Overview
- Annual fee
- Wyndham Rewards Earner Card$0LowestWyndham Rewards Earner Plus Card$95
- Welcome offerCurrent public offer
- Wyndham Rewards Earner CardUp to 75,000 pointsWyndham Rewards Earner Plus CardUp to 100,000 points
- Rewards
- Wyndham Rewards Earner CardWyndham RewardsWyndham Rewards Earner Plus CardWyndham Rewards
- Foreign transaction fee
- Wyndham Rewards Earner CardNoneWyndham Rewards Earner Plus CardNone
- Network
- Wyndham Rewards Earner CardVisa SignatureWyndham Rewards Earner Plus CardVisa Signature
Earn ratesPer $1 spent
- Dining
- Wyndham Rewards Earner Card3xWyndham Rewards Earner Plus Card4xHighest
- Gas Stations
- Wyndham Rewards Earner Card3xWyndham Rewards Earner Plus Card4xHighest
- Grocery Stores
- Wyndham Rewards Earner Card3xWyndham Rewards Earner Plus Card4xHighest
- Travel
- Wyndham Rewards Earner Card1xWyndham Rewards Earner Plus Card4xHighest
- Electric Vehicle Charging
- Wyndham Rewards Earner Card3xWyndham Rewards Earner Plus Card—Rate not published
- Wyndham Vacation Club
- Wyndham Rewards Earner Card3xWyndham Rewards Earner Plus Card—Rate not published
- Everything else
- Wyndham Rewards Earner Card1xWyndham Rewards Earner Plus Card—Rate not published
Statement creditsAs the issuer states them · — means none on record
- Dining & delivery
- Wyndham Rewards Earner Card—Wyndham Rewards Earner Plus Card
- $50 meal delivery credit · $25 every 6 months
Perks & access— means none on record
- Hotel status & programs
- Wyndham Rewards Earner Card
- Annual Bonus
- Automatic Gold Level Benefits!
Wyndham Rewards Earner Plus Card- Annual Bonus
- go free® Faster
- Other perks
- Wyndham Rewards Earner Card
- Enjoy a Cardmember Booking Discount
- go free® Faster
Wyndham Rewards Earner Plus Card- Enjoy a Cardmember Booking Discount
Protections & insuranceLimits where published · — means none on record
- Rental car
- Wyndham Rewards Earner Card—Wyndham Rewards Earner Plus Card
- Get DIAMOND, Then PLATINUM
Pros & cons
- Pros
- Wyndham Rewards Earner Card
- No annual fee makes it easy to keep long-term for status
- Automatic Gold status for life of card (free Wi-Fi, late checkout)
- 30,000 point welcome bonus worth up to 4 free nights (up to 75,000 points and 10 free nights with Wyndham spend)
- 5x points on Wyndham stays - solid for brand loyalists
- 10% discount when redeeming points for free nights
Wyndham Rewards Earner Plus Card- Automatic Diamond status in year one, then Platinum status for life of card
- 6x points at Wyndham hotels - strong earning for brand loyalists
- 4x points on travel, including gas, EV charging, rideshare and car rentals - useful for road trips
- 4x points on dining and groceries - solid everyday earning
- 45,000 point welcome bonus worth up to 6 free nights
- Cons
- Wyndham Rewards Earner Card
- Gold status benefits are basic compared to Platinum or Diamond
- Anniversary bonus requires $15,000 annual spend (Plus card has no requirement)
- Only 5x at Wyndham vs 6x with Plus card
- Only 1x on non-bonus purchases
- No premium travel protections or lounge access
Wyndham Rewards Earner Plus Card- Wyndham portfolio is primarily budget/midscale hotels
- Points only valuable within Wyndham ecosystem (limited transfer options)
- No lounge access or premium travel protections
- Only 1x earning on non-bonus purchases
- Platinum status benefits are modest (early check-in, car rental upgrades)
Category-by-Category Winner
The Wyndham Rewards Earner Plus Card wins in 4 of 6 categories. The Wyndham Rewards Earner Card leads in 2.
Gas Stations
Wyndham Rewards Earner Plus Card earns 4X vs 3X
Electric Vehicle Charging
Wyndham Rewards Earner Card earns 3X vs 1X
Dining
Wyndham Rewards Earner Plus Card earns 4X vs 3X
Grocery Stores
Wyndham Rewards Earner Plus Card earns 4X vs 3X
Wyndham Vacation Club
Wyndham Rewards Earner Card earns 3X vs 1X
Travel
Wyndham Rewards Earner Plus Card earns 4X vs 1X
Year One vs Ongoing Value
Modeled net value (bonus categories at unconditional rates, caps applied). Spend mix: dining 15%, groceries 15%, gas 10%, travel 10%, everything else 50%. Statement credits use the same recurring usable estimates as each card's detail page; first-year-only credits count in year one only. Welcome offers valued at each card's program rate shown on this page.
Modeled value is close across spend levels — especially once statement credits are counted.
| Scenario | Wyndham Rewards Earner Card | Wyndham Rewards Earner Plus Card | Ongoing winner | Year-one winner |
|---|---|---|---|---|
| Light spender: $1,000/month | Rewards: $151 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $151 Year one: $361 | Rewards: $210 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $145 Year one: $460 | Close — depends on how much of the credits you use | Wyndham Rewards Earner Plus Card |
| Heavy spender: $4,000/month | Rewards: $605 Credits (our usable estimate): $0 − Annual fee ($0) Ongoing: $605 Year one: $815 | Rewards: $840 Credits (our usable estimate): $30 − Annual fee ($95) Ongoing: $775 Year one: $1,090 | Wyndham Rewards Earner Plus Card | Wyndham Rewards Earner Plus Card |
Is the Fee Difference Worth It?
The Wyndham Rewards Earner Plus Card costs $95/yr — that's $95 more than the Wyndham Rewards Earner Card (no annual fee). To justify that gap, you need to extract at least $95 in annual value from the card's higher earn rates and benefits.
The Wyndham Rewards Earner Plus Card includes dining credits. Those perks are not included in the earn-rate scenario table above — compare their dollar value to the $95 fee gap for your own usage.
Bottom line: Use the year-one vs ongoing table for modeled earn value at your spend level. The $95 fee gap means the Wyndham Rewards Earner Plus Card needs roughly $95 more in annual rewards (or credits you will use) to break even on gas stations and dining and everyday spend.
The Bottom Line
Modeled value is close across spend levels — especially once statement credits are counted.
Published annual fees: Wyndham Rewards Earner Card $0/yr, Wyndham Rewards Earner Plus Card $95/yr — a $95 difference before welcome offers and credits.
Frequently Asked Questions
- Is the Wyndham Rewards Earner Plus Card worth the higher annual fee?
- The Wyndham Rewards Earner Plus Card costs $95/yr vs $0/yr for the Wyndham Rewards Earner Card. Compare the year-one vs ongoing value table on this page — the $95 gap must be offset by higher earn rates, welcome offers, or credits you will use (the Wyndham Rewards Earner Plus Card also lists dining credits).
- Which card earns more rewards, the Wyndham Rewards Earner Card or Wyndham Rewards Earner Plus Card?
- The Wyndham Rewards Earner Card has a higher base earn rate (1X vs 0X), but both cards have different bonus categories where they excel.
- What benefits does the Wyndham Rewards Earner Card have that the Wyndham Rewards Earner Plus Card doesn't?
- The Wyndham Rewards Earner Card focuses on earn rates, while the Wyndham Rewards Earner Plus Card offers dining credits.
- Should I get the Wyndham Rewards Earner Card or the Wyndham Rewards Earner Plus Card?
- Use the spend scenarios on this page: the Wyndham Rewards Earner Card has a lower $0/yr fee; the Wyndham Rewards Earner Plus Card must earn enough extra (or offer a larger welcome bonus) to justify $95/yr.
Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; catalog last published October 12, 2026, and each card page shows when its terms were last checked. Card issuers do not influence our rankings or content.