Wyndham Rewards Earner Card
- Annual Fee
- $0
- points · Welcome Bonus
- 45,000
- Highest rate (conditional)
- Up to 5X (Wyndham)
Terms checked against the issuer on November 3, 2026
At a Glance
- Annual Fee
- $0
- Authorized User Fee
- $0
- Foreign Transaction Fee
- $0
- Network
- Visa Signature
- Rewards Currency
- Wyndham Rewards
- Point Valuation
- 0.55–1 cpp (mid: 0.7)
- Credit Required
- Good
Welcome Offer
45,000
points
$2,000
Spend Required
3 months
Time Period
Earning Rates
- 5X
Wyndham
5X points on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles
- 3X
Gas Stations
3X points on eligible gas purchases
- 3X
Electric Vehicle Charging
3X points on eligible EV charging purchases
- 3X
Dining
3X points on eligible dining purchases
- 3X
Grocery Stores
Earn 3 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
- 3X
Wyndham Vacation Club
3X points on eligible Vacation Club purchases
- 1X
All Other
1X points on all purchases
Benefits & Perks
Travel Benefits
3 perksHotels & Lodging
General Travel
Dining Out
3x at restaurants
Wyndham Rewards
≈$2.10 in value on a $100 dinner, at our valuation of 0.7¢ per point
No annual fee
Explore 5,512 New York restaurants with this cardStack a dining program
Rakuten Dining
5% back at 20,618 participating restaurants, on top of this card's 3x, once you join and link this card.
+$5
cash back, or ≈$5.50 as points
More on a $100 dinner
Program & Transfers
Wyndham Rewards
9,000 hotels. 3 award tiers. Simple rewards.
Wyndham Rewards is the loyalty program for Wyndham Hotels & Resorts, which operates over 9,000 hotels across 24 brands in 95 countries. While best known for budget brands like Super 8, Days Inn, and La Quinta, the portfolio includes upscale properties like Wyndham Grand resorts, Dolce hotels, and Registry Collection boutique properties. The program's defining feature is its three-tier award chart — 7,500, 15,000, or 30,000 points per night — making it one of the most predictable and transparent redemption systems among hotel loyalty programs. Members earn 10 points per dollar on room rates (or 1,000 points per stay, whichever is greater), with status bonuses of 10-20% at higher tiers. Wyndham is also a transfer partner for both Capital One and Citi ThankYou Points, giving it relevance beyond its co-branded card ecosystem.
Program Ratings
Recent Changes & News
Wyndham Rewards Insider subscription launched at $95/year, offering member-rate discounts, free breakfast at select properties, bonus points, and exclusive perks beyond standard free membership.
Citi ThankYou Rewards added Wyndham as a transfer partner, enabling 1:1 transfers from premium Citi cards.
Wyndham partnered with Vacasa to allow points redemptions at vacation rental properties — 15,000 or 30,000 points per bedroom per night depending on cash rate.
Sweet Spots — Best Redemptions
| Route / Property | Points | Cabin/Type | Value / Region |
|---|---|---|---|
| Wyndham Merida — Junior Suite King for 7,500 points | 7,500 | — | Central America |
| TRYP by Wyndham Jerusalem Bat Sheva | 7,500 | — | Middle East |
| The New Yorker, A Wyndham Hotel (NYC) | 30,000 | — | United States |
| Wyndham Grand Clearwater Beach (Florida) | 30,000 | — | United States |
| Wyndham Grand Rio Mar Puerto Rico Golf & Beach Resort | 30,000 | — | Caribbean |
| Akti Imperial Deluxe Resort & Spa Dolce by Wyndham (Rhodes, Greece) | 30,000 | — | Europe |
| Wyndham Reef Resort Grand Cayman (all-inclusive) | 30,000 | — | Caribbean |
| Shell Vacations Club Kona Coast Resort (Hawaii) | 15,000 | — | United States |
| Club Wyndham Midtown 45 (NYC) | 15,000 | — | United States |
| Club Wyndham National Harbor (Maryland/DC) | 15,000 | — | United States |
| Wyndham Grand Istanbul Levent (Turkey) | 30,000 | — | Middle East |
| Wyndham Grand Orlando Resort Bonnet Creek (Florida) | 30,000 | — | United States |
Reviews & Analysis
Third-Party Rankings & Ratings
| Publication | Rating | Rank | Notes |
|---|---|---|---|
| PointsNav | #87 of 119 |
Pros and Cons
Pros
- +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
- +No foreign transaction fees
- +3x on gas stations, EV charging, groceries and dining for everyday spending
- +7,500 anniversary bonus points (requires $15,000 spend)
Cons
- -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
- -Points have limited value outside Wyndham ecosystem
Who It's Best For
Best For
- Occasional Wyndham guests who want Gold status without paying an annual fee
- Budget travelers who stay at economy Wyndham brands a few times per year
- Those who want a no-annual-fee hotel card with a 30,000 point welcome bonus (up to 75,000 with Wyndham spend)
- Cardholders seeking Visa Signature benefits without annual fee
- Travelers who want no foreign transaction fees on a free card
Not Ideal For
- Frequent Wyndham guests who would benefit from Plus card's Platinum status and higher earning
- Travelers who want premium hotel elite status benefits
- Those seeking lounge access or luxury travel perks
- Cardholders wanting high earn rates on everyday spending (only 1x base)
- Anyone who prefers transferable points programs
The Math: Is $0 Worth It?
First-year value includes $315.00 welcome bonus
Credit Utilization (60%)
Excludes earning value, lounge access, insurance, and elite status
Total Value Captured
$0
Annual Fee
-$0
Net Annual Value
+$0
Details & Terms
Application Rules
| Rule | Details |
|---|---|
| Barclay 6/24 | Barclay will deny you for a seventh card if you have opened six new personal cards in the past 24 months. |
| Barclay 0/6 | You're more likely to be declined on a Barclay application if you currently have a Barclay card that has not been used in the past 6 months |
Payment Terms
| Purchase APR | 19.49%–29.99% (Variable) |
| Cash Advance APR | 29.99% (Variable) |
| Foreign Transaction Fee | $0 |
| Authorized User Fee | $0 |
FAQs
How many Wyndham Rewards points do you need for a free night?
Free nights cost 7,500, 15,000, or 30,000 points per night depending on the property. Wyndham Earner cardholders get a 10% discount, reducing costs to 6,750, 13,500, or 27,000 points.
What is a qualifying night for Wyndham Rewards?
A qualifying night is any night during a qualifying stay with an average rate of at least $25. Free nights booked with Wyndham Rewards and discounted points+cash nights also count, helping you earn status faster.
Do Wyndham Rewards points expire?
Yes. Points expire three years after they are earned. Your entire balance is also forfeited if you have no account activity for 18 months. Earning, redeeming, or transferring points resets the inactivity clock.
How much is a Wyndham Rewards membership?
Free. Blue membership is complimentary with no spending requirements. You earn at least 1,000 points per stay, get free Wi-Fi, member rates, and rollover qualifying nights.
Can you transfer points to Wyndham Rewards?
Yes. Capital One miles transfer at 1:1. Citi ThankYou Points transfer at 1:1 with premium cards (Strata Premier, Strata Elite) or 5:4 with non-premium cards (Strata, Double Cash, Custom Cash).
What hotels are in the Wyndham Rewards program?
Over 9,000 hotels across 24 brands in 95 countries, including Wyndham Grand, La Quinta, Ramada, Days Inn, Super 8, Microtel, Howard Johnson, TRYP, Registry Collection, Dolce, and Trademark Collection.
Can you use Wyndham points for vacation rentals?
Yes. Wyndham partners with Vacasa for vacation rentals bookable at 15,000 or 30,000 points per bedroom per night. Rentals averaging $250/bedroom/night or less cost 15,000 points; $250-$500 cost 30,000 points. Must book by phone.
Media & Resources
Card Design
Evidence Sources
| Source | Verified | Citation |
|---|---|---|
| Barclays | — | Barclays |
| Wyndham Rewards Card | — | Wyndham Rewards Card |
| RewardsCC API | — | RewardsCC API |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page: Multiple card facts | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Apr | |
| Issuer Page | Issuer Page | |
| Issuer Page | Issuer Page: Welcome offer | |
| Barclays | Barclays | |
| Issuer Page | Issuer Page: Welcome offer | |
| Issuer Page | Issuer Page: Welcome offer |
Top brands for this card
Brands where this card's earn-rate structure makes it a strong choice. Open a brand for the full ranked list.
