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Wyndham Rewards Earner℠ Plus Card review

Written by Personal Finance Expert Contributor Margaret has written for Money Under 30, MoneyGeek, The Simple Dollar, CreditCards.com, Interest.com and Fiscal Tiger, among other publications. She writes about subjects Sept. 28, 2021 Sept. 28, 2021

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Snapshot

3.2 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon . The points are a great deal when booking stays with Wyndham, although they may not be as valuable as some when it comes to everyday purchases.

Benefits

The Wyndham Rewards Earner Plus Card is a lucrative card for travelers who book frequent stays with Wyndham. It also comes with a host of other benefits, including unlimited earning and perks like free Wi-Fi during qualified stays, late checkouts (subject to availability) and rental car upgrades at participating locations in the U.S. and Canada.

Hotel discounts and perks

The Wyndham Rewards Earner Plus Card really shines when it comes to booking stays with Wyndham. It features both high rewards on qualified bookings, as well as the opportunity to redeem points for free nights and discounted stays. Aside from the lucrative rewards, cardholders also gain access to Platinum member benefits when booking travel with Wyndham, including free Wi-Fi during qualified stays, preferred room choice during qualified stays, late check-out (subject to availability) and early check-in during qualified stays. Without the card, it takes nine nights to qualify for these perks.

Annual bonus

Cardholders receive 7,500 bonus points each anniversary year, which is enough for up to one free night at participating Wyndham properties. While some other offer members a free night flat out, Wyndham's annual bonus is a similar alternative and can also be used with other redemption options.

Unlimited earnings potential

Unlike some other rewards cards, there's no cap on your earnings for the Wyndham Rewards Earner Plus Card. This means that for every dollar you spend, you'll earn points that can be redeemed on future purchases, with no upper limit.

Rental car upgrades

Cardholders who rent a car through Avis or Budget can receive a free upgrade on their car rental at participating locations in the U.S. and Canada. This is a nice extra benefit for frequent travelers.

Purchase intro APR

If you're looking to book a stay at Wyndham Timeshare in the near future, the card's low promotional APR is an attractive perk. When you open the card, you're eligible for 0 percent intro APR for 6 billing cycles on all Wyndham Timeshare Purchases (15.74 percent, 19.99 percent or 24.99 percent variable APR after).

Balance transfer APR

The balance transfer APR for the Wyndham Rewards Earner Plus Card is also a pretty good offer for borrowers looking to transfer a balance from another card. Cardholders are eligible for a 0 percent introductory APR for 15 months on balance transfers made within the first 45 days (15.74 percent, 19.99 percent or 24.99 percent variable APR after).

No foreign transactions fees

In keeping with its robust selection of benefits for frequent travelers, the card charges no foreign transaction fees. This is an appealing perk for borrowers who travel internationally with any regularity.

Fraud liability protection

The Wyndham Rewards Earner Plus Card comes with $0 fraud liability protection. Cardholders aren't responsible for any charge they didn't authorize, which can give borrowers peace of mind when it comes to stolen cards and potential fraudulent charges.

Rates and fees

The Wyndham Rewards Earner Plus Card does come with a few fees. These include: Annual fee: The card comes with an annual fee of $75, although in practice this is almost entirely canceled out by the 7,500-point annual bonus. APR: The variable APR for this card is 15.74 percent, 19.99 percent or 24.99 percent depending on the creditworthiness of the borrower. While the lower end of this spectrum is in line with industry averages, the steep upper limit may deter borrowers with less than perfect credit. Balance transfer fee: The card charges a balance transfer fee of $5 or 3 percent of the amount of each transfer, whichever is greater. Cash advance fee: The card charges a cash advance fee of $10 or 5 percent of the amount of each cash advance, whichever is greater. Late payment fee: If you make a late payment, you may be charged a late payment fee of up to $40. Returned payment fee: The card comes with a returned payment fee of up to $40.

How the Wyndham Rewards Earner Plus Card compares to other hotel rewards cards

There are lots of other hotel credit cards besides Wyndham, and part of your decision will ultimately come down to personal preference and brand loyalty. That said, some cards do offer standout benefits when it comes to welcome offers, rates and extra perks.

Wyndham Rewards® Earner℠ Plus Card

star icon star icon star icon star icon star icon star icon star icon star icon star icon star icon Bankrate Score Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. Annual fee Intro offer Earn 45,000 bonus points, enough for up to 6 free nights at participating properties after spending $1,000 on purchases in the first 90 days. Rewards rate Earn 6 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases. Earn 4 points per $1 spent on eligible dining and grocery purchases (excluding Target and Walmart). Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments). Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Hilton Honors American Express Surpass® Card

Annual fee Intro offer Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in purchases on the Card in the first 3 months of Card Membership. Rewards rate Earn 12X Hilton Honors Bonus Points for each dollar of eligible purchases charged on your Card directly with hotels and resorts within the Hilton portfolio. Earn 6X Hilton Honors Bonus Points for each dollar of eligible purchases on your Card at U.S. restaurants, at U.S. supermarkets, and at U.S. gas stations. Earn 3X Hilton Honors Bonus Points for all other eligible purchases on your Card. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Marriott Bonvoy Brilliant® American Express® Card

on American Express's secure site Annual fee Intro offer Earn 150,000 Marriott Bonvoy bonus points after you use your new Card to make $5,000 in purchases on the Card within the first 3 months. Rewards rate Earn 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy program. 3 points at Worldwide Restaurants and on flights booked directly with airlines. 2 points on all other eligible purchases. Recommended credit A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

Best cards to pair with the Wyndham Rewards Earner Plus Card

The Wyndham rewards credit card excels at a very specific function: generous hotel rewards and travel perks for customers loyal to the Wyndham brand. While this card might not have the versatility of a more general rewards credit card, it pays dividends for committed customers who frequently stay with Wyndham. That said, there are a few other cards that pair especially well with the Wyndham Rewards Earner Plus Card. For frequent travelers interested in this card, an additional for flights and other traveling expenses is a good idea. A robust travel rewards card like the is a nice complement, and earns 2 points per dollar on travel and dining at restaurants, along with discounted travel bookings through Chase Ultimate Rewards.

Bankrate s take-Is the Wyndham Rewards Earner Plus Card worth it

If you travel frequently and prefer to book your stays with Wyndham properties, this card is a clear winner. With up to 6X points per $1 for qualifying hotel stays as a loyalty member, a wide array of travel-related perks and benefits and redemption options for free and discounted stays, the card is well worth the annual fee for Wyndham loyalists. On the other hand, if you travel infrequently or don't want to limit your options to Wyndham properties, there are other more lucrative that could better suit your needs. With a $75 annual fee, the card also isn't the best option for borrowers looking for a truly fee-free card. The information about the Wyndham Rewards® Earner Plus Card and Hilton Honors American Express Surpass® Card has been collected independently by Bankrate.com. The card details have not been reviewed or approved by the card issuer.

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Written by Margaret Wack Personal Finance Expert Contributor Margaret has written for Money Under 30, MoneyGeek, The Simple Dollar, CreditCards.com, Interest.com and Fiscal Tiger, among other publications. She writes about subjects including saving, credit, insurance, investing and other financial topics.

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