Our Picks For The Best Wyndham Credit Card Options In 2021

With more than 9,000 properties in roughly 90 countries, Wyndham Hotels & Resorts is the world’s largest hotel franchise. Its U.S. footprint is equally vast, giving credence to the company’s claim that “You’re About 10 Minutes from a Hotel by Wyndham.” Wyndham’s 20-brand portfolio includes familiar names like Days Inn, La Quinta, Ramada, Baymont, Super 8, Microtel Inn & Suites and Travelodge, making it highly likely that you’ve stayed at a Wyndham property during your travels. 

If you typically lodge at one or more Wyndham brands, you’ll almost certainly benefit from an account with one of three credit cards co-branded by Wyndham and Barclays, which can multiply your ability to earn points and free stays at Wyndham hotels and resorts through the Wyndham Rewards loyalty program. Wyndham and Barclays recently revamped their credit card offerings, which include the Wyndham Rewards Earner Card, the Wyndham Rewards Earner Plus Card and the Wyndham Rewards Earner Business Card. 

While unfettered travel remains challenging due to the ongoing coronavirus pandemic, by using one of these cards for your everyday purchases, you could be racking up points and miles now to put toward future vacations. Below, we’ll take a deep dive into the sign-up bonuses, benefits and fees associated with each card to help you determine which one best fits your spending and travel styles.

Best Wyndham Credit Card

Wyndham Rewards Earner Card

The Basics

  • Bonus: Spend $1,000 within 90 days of opening your account and earn 30,000 bonus points.
  • Earning rate: Earn five points per dollar spent at Wyndham properties and on gas purchases, two points per dollar at restaurants and most grocery stores and one point per dollar on all other purchases.
  • Annual fee: $0
  • Annual Percentage Rate (APR): 25.24 percent variable 

wyndham credit cardThe Wyndham Rewards Earner Card offers solid benefits with no annual fee. It’s ideal for travelers who stay at Wyndham properties occasionally, but not exclusively. In addition to the points earned with hotel stays and gas station purchases, you’ll also score points at most grocery stores and restaurants, and you’ll also have access to valuable perks and special rates on hotel stays.   

Welcome Offer

When you sign up for the Wyndham Rewards Earner Card, you’ll earn 30,000 bonus points when you spend just $1,000 in the first 90 days—enough for anywhere from one to four free nights at Wyndham properties. You’ll also be eligible for an annual reward of up to 7,500 bonus points on your anniversary if you spend $15,000 on eligible purchases.

Earning Points and Redeeming Rewards

With this card, you’ll earn five points for every $1 you spend on eligible purchases at Wyndham hotels and five points for gas purchases. Every dollar you spend on dining and grocery purchases (with the exception of Target and Walmart) gets you two points, and you’ll get a point per dollar on everything else you buy with the card. There’s no limit on the number of points you can earn, so concentrating your spending on this card can pay off big on your next vacation. 

Perks and Features

Besides points accrual, the Wyndham Rewards Earner Card comes with some pretty sweet perks. You’ll automatically achieve Wyndham Rewards Gold status, which entitles you to free in-room Wi-Fi, preferred room selection, free late checkout and more. You’ll also have access to additional savings on the best available rates at participating Wyndham hotels by using your card. 

The card also offers enhanced security measures, giving you peace of mind every time you use it. Tap to Pay contactless technology allows for fast, safe and easy spending, and the embedded chip provides protection from fraud at chip-card terminals in the U.S. and overseas. If your account is somehow breached, you won’t be liable for any charges you didn’t authorize. You also won’t pay any foreign transaction fees on purchases made during international travel. 

Pros 

  • Lucrative welcome offer
  • No annual fee
  • No limit on how many points you can earn
  • Automatic Wyndham Rewards Gold status
  • Perks like free Wi-Fi and late checkout during your stay

Cons 

  • Modest earning rate on dining and grocery purchases
  • High spending requirement for annual bonus
  • High interest rate

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Wyndham Rewards Earner Plus Card

The Basics

  • Bonus: Spend $1,000 within 90 days of opening your account and earn 45,000 bonus points.
  • Earning rate: Earn six points per dollar spent at Wyndham hotels, four points per dollar on dining and groceries and one point per dollar on all other purchases.
  • Annual fee: $75
  • Annual Percentage Rate (APR): 15.74, 19.99 or 24.99 percent variable based on credit rating

wyndham credit cardThe Wyndham Rewards Earner Plus Card is designed for travelers who tend to stay at Wyndham properties frequently or exclusively. The card comes with a modest $75 annual fee, but it quickly pays for itself with just a few nights at Wyndham properties. You’ll also enjoy better welcome and anniversary offers and a noticeably higher rate of points accrual on purchases.

Welcome Offer

With your new Wyndham Rewards Earner Plus Card, you’ll earn 45,000 bonus points in the first 90 days, provided you meet the same $1,000 spending threshold required by the Rewards Earner Card. That bonus could translate to as many as six free nights at Wyndham properties. The Plus Card also eliminates the spending requirement for earning the anniversary award—you’ll have 7,500 points added to your account every year no matter how much you spend. 

Earning Points and Redeeming Rewards

With the Wyndham Rewards Earner Plus Card, you’ll get a slight bump in the points you’ll earn on Wyndham hotel purchases and gas fill-ups—six points per $1 spent. But you’ll really notice the difference on dining and grocery purchases, which yield four points for every $1 (twice as many as the basic Wyndham Rewards card). As you might expect, all other purchases earn points in a one-to-one ratio. 

As with the basic card, you can redeem points for free nights at Wyndham hotels and resorts via the “Go Free” program, use points as partial payment on “Go Fast” stays or exchange points for merchandise, gift cards and other rewards through the “Go For It” platform. 

Perks and Features

The Wyndham Rewards Earner Plus Card includes the same security features and protections as the Wyndham Rewards Earner Card: Tap to Pay and chip card technology, zero liability on fraudulent purchases and no foreign transaction fees. However, the Plus Card sets itself apart by launching account holders to Wyndham Rewards Platinum status. As a Platinum member, you’ll receive free Wi-Fi, preferred room selection, free late checkout, free early check-in, free upgrades on Avis and Budget car rentals and exclusive perks at more than 30 Caesars Entertainment casino destinations. Of course, you’ll also receive additional savings on the best available rate at Wyndham properties. 

Pros 

  • Outstanding welcome offer
  • Earn an additional point per $1 on hotel and gas purchases and double the points on dining and groceries (compared to the Wyndham Rewards Earner Card)
  • No limit on points earned
  • No spending requirement for annual bonus
  • Automatic Wyndham Rewards Platinum status
  • Discounts on car rentals

Cons 

  • $75 annual fee

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Wyndham Rewards Earner Business Card

The Basics

  • Bonus: Spend $1,000 within 90 days of opening your account and earn 45,000 bonus points.
  • Earning rate: Earn eight points per dollar on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases, five points per dollar on eligible marketing, advertising services, and utilities and one point per dollar on all other purchases.
  • Annual fee: $95
  • Annual Percentage Rate (APR): 15.99, 19.99 or 24.99 percent variable based on credit rating.

wyndham credit cardIf you’re a small business owner who travels—or has employees who do—the Wyndham Rewards Earner Business Card offers excellent benefits, as long as you make at least a handful of stays at Wyndham hotels.

In addition to the eight points you’ll earn for every dollar spent on Wyndham accommodations and gas, you’ll earn major points if you use your cards for utility expenses like phone service, electricity, gas, water, cable and several other categories. With a relatively low annual fee and no charge for adding employees to your account, the card allows you to easily track business expenses while earning rewards for your expenditures. 

Welcome Offer

When you open a Wyndham Rewards Earner Business Card and spend $1,000 in the first 90 days, you’ll receive 45,000 bonus points, which can be redeemed for up to six free nights at Wyndham properties. You’ll also get a 15,000-point anniversary gift for every year you maintain the account. 

Earning Points and Redeeming Rewards

Of the three branded credit cards, the Wyndham Rewards Earner Business Card is the most generous when it comes to earning points. For every $1 spent on Wyndham hotel stays and eligible gas purchases, you’ll get eight points. You’ll also earn five points for every dollar spent on marketing and advertising expenses as well as utility bills, which include a broad range of categories like cell phones, electric service, satellite and cable. Every dollar spent on anything else earns a point, and there’s no limit on how many points you can earn. 

With the Wyndham business card, you can order additional cards for employees at no charge, allowing you to amass points even more quickly.

Perks and Features

Similar to the other Wyndham cards, the business card gives you access to special pricing on hotel accommodations beyond the best available rate, and it includes the same security features, fraud protections and contactless payment options as the other cards. However, the Wyndham Rewards Earner Business Card comes with several distinctive perks the other cards don’t offer.

Opening a Wyndham Rewards Earner Business Card account automatically rockets you to Wyndham Rewards Diamond status, the program’s highest level. As a Diamond member, you’ll enjoy benefits like suite upgrades, welcome amenities at check-in and the ability to gift Gold status to one friend or family member each year, as well as benefits included in the other levels such as free Wi-Fi, early check-in and rental car upgrades. 

When you pay your wireless bill with your Wyndham card, you’ll automatically receive loss and damage protection for any cell phones included in the plan. If one of your phones is stolen or damaged, you’ll be reimbursed for the replacement after paying a modest $50 deductible. You can also access extended warranties for eligible items purchased with the card. 

With the Wyndham Rewards Earner Business Card, you can also participate in Visa’s Savings Edge program, which unlocks automatic savings on purchases from a long list of popular merchants, such as Microsoft, AutoZone, Panera Bread, MailChimp, Lenovo and Stamps.com (just to name a few).

Pros 

  • Earn extra points on marketing and utility expenses
  • No limit on points earned
  • No spending requirement for annual bonus
  • Automatic Wyndham Rewards Diamond status
  • No charge for additional employee cards
  • Access to extended warranties and cell phone loss/damage protection

Cons 

  • $95 annual fee

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Redeeming Points through Wyndham Rewards 

When it’s time to redeem your points, the Wyndham Rewards program is all about choice. You aren’t limited to trading points for hotel stays—with the “Go For It” option, you can also redeem them for gift cards, tours and activities, merchandise and charitable donations or transfer them to airline partners to receive frequent flier miles.

However, you do get the most bang for your buck when you use your points toward Wyndham accommodations. Depending on the property, free room nights fall into one of three levels: 7,500 points, 15,000 points and 30,000 points per night. If you prefer, you can opt to use a smaller number of points (1,500, 3,000 or 6,000) toward a room night and pay the rest in cash, which varies based on the property and is determined by a percentage of the standard room rate. Either way, you’ll receive a 10 percent discount when redeeming your points for stays at Wyndham properties. 

Final Thoughts on Wyndham Rewards Earner Card Options

If you stay at Wyndham-branded hotels at least a few times a year, a Wyndham Rewards credit card is definitely worth considering. If you’re torn between the Wyndham Rewards Earner and Earner Plus cards, the Plus card is probably worth the annual fee for occasional or frequent travelers. The benefits and points-earning potential are significantly better than the standard card, and you may also qualify for a reduced interest rate depending on how good your credit rating is. 

For small business owners, as long as you or your employees can use Wyndham hotels for the majority of your business travel—which is an easy lift, considering the 20 brand options available—the Wyndham Rewards Earner Business Card is a winning proposition. You’ll earn rewards for the expenses you’re already paying, like utilities and advertising costs, and you can easily equip your team to earn points on your account as well. With its minimal annual fee and bonus protection on cell phones, it’s hard to find a down side to this card.