Wyndham Rewards Earner® Card

Quick Snapshot

• Annual Fee: $0
• APR: 21.49%-29.49% variable
• Rewards: 5X on Wyndham; 2X on dining & groceries; 1X everything else
• Bonus: Earn 15,000 bonus Wyndham points after spending $1,000 in the first 90 days
• Best For: Budget travelers who stay at Wyndham properties occasionally and want to earn hotel points without an annual fee
• Credit Needed: Good to Excellent (670-850)

Overview

The Wyndham Rewards Earner Card is a no-annual-fee hotel credit card that earns Wyndham Rewards points on everyday purchases. You earn 5X points at Wyndham properties, 2X on dining and grocery stores, and 1X on everything else.

Wyndham Rewards is one of the most straightforward hotel loyalty programs, with flat-rate redemptions starting at 7,500 points per night at most properties. This means your spending translates directly to free hotel nights at budget and mid-tier brands like La Quinta, Days Inn, and Ramada.

With no annual fee and automatic Wyndham Blue member status, this card is a low-commitment way to earn free hotel stays. The Wyndham program also offers a partnership with Caesars Rewards, adding value for entertainment and dining.

APR Breakdown

• Purchase APR: 21.49%-29.49% variable
• Balance Transfer APR: 21.49%-29.49% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: Up to 29.99% variable

Note: Variable APR based on credit profile and the Prime Rate. Pay in full monthly to maximize your rewards without incurring interest.

Benefits Overview

Points Earning

• 5X Wyndham points on eligible Wyndham purchases
• 2X Wyndham points at restaurants and grocery stores
• 1X Wyndham point per dollar on all other purchases
• Points never expire with qualifying account activity

Wyndham Status

• Automatic Wyndham Blue member status
• Access to member-exclusive rates
• Earn points on stays that count toward higher status tiers

Redemption Value

• Flat-rate redemptions starting at 7,500 points per night
• Go Free award nights at over 9,000 Wyndham properties worldwide
• Wyndham-Caesars Rewards partnership for dining and entertainment perks

Rewards & Points

• 5X Wyndham points on Wyndham purchases
• 2X Wyndham points on dining and grocery stores
• 1X Wyndham point per dollar on all other purchases

Wyndham points are worth approximately 0.9 cents each. Flat-rate redemptions make it easy to calculate value -- a 7,500-point night costs $68 in equivalent spending on the card.

Welcome Bonus

Earn 15,000 bonus Wyndham Rewards points after spending $1,000 within the first 90 days of opening your account. These 15,000 points are enough for up to 2 free nights at Go Free properties starting at 7,500 points per night. The value is approximately $135 in free hotel stays.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: None
• Balance Transfer Fee: 5% (min $10)
• Cash Advance Fee: 5% (min $10)
• Late Payment Fee: Up to $41

Who This Card Is Best For

Ideal For

• Budget Travelers who stay at Wyndham brands like La Quinta, Days Inn, and Ramada
• Road Trippers who use budget hotel chains along highway routes
• Fee-Averse Travelers who want a hotel card without any annual cost

Not Good For

• Luxury Travelers who prefer premium hotel brands like Hilton, Marriott, or Hyatt
• High-Value Seekers who want elite status perks like upgrades and late checkout
• Frequent Hotel Guests who would benefit more from the Plus card's Gold status and higher bonus

Key Pros & Cons

Pros

• No annual fee
• 5X points on Wyndham purchases
• 2X on dining and groceries for everyday value
• No foreign transaction fees
• Flat-rate redemptions are simple to understand and use
• Points never expire with qualifying activity
• Over 9,000 Wyndham properties worldwide
• Caesars Rewards partnership for entertainment and dining perks
• Low 7,500-point redemption threshold for free nights
• Easy entry into the Wyndham loyalty ecosystem

Cons

• Modest 15,000-point welcome bonus
• Only Blue member status (no meaningful elite perks)
• Wyndham properties are generally budget-tier
• 1X base rate on non-category spending is average
• No trip delay or cancellation insurance
• Points value per point is lower than premium hotel programs
• No room upgrades or late checkout benefits

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Annual value of approximately $347 in Wyndham points with zero annual fee. Best value comes from redeeming for budget hotel stays at the 7,500-point tier.

Should You Get This Card?

You Should Get It If...

• You stay at Wyndham properties a few times per year
• You want a no-annual-fee hotel card for casual use
• You road trip frequently and use budget hotel chains
• You spend regularly on dining and groceries
• You want simple flat-rate hotel redemptions
• You value the Wyndham-Caesars partnership for entertainment

You Should Skip It If...

• You prefer upscale hotel brands
• You want elite hotel status with real perks like upgrades
• You stay at Wyndham frequently enough to justify the Plus card
• You want a large welcome bonus
• You prefer transferable hotel points programs

Apply Now

Apply for Wyndham Rewards Earner® Card

Information accurate as of May 2026. Terms and conditions apply. Please visit the issuer's website for the most current information.