Wyndham and Barclays relaunched their cobranded credit card lineup to give travelers four clear options: a no-annual-fee card, two personal cards at different price points for regular guests and premium benefit users, and a business card for owners whose spending matches its bonus categories. The best pick depends on how often you stay with Wyndham, whether you’ll use recurring statement credits and elite perks, and which spending categories align with your everyday or business expenses.
Quick overview
– Wyndham Rewards Earner Card — Annual fee: $0. Best for occasional Wyndham guests who want to earn points without a fee.
– Wyndham Rewards Earner Plus Card — Annual fee: $95. Best for travelers who stay with Wyndham several times a year and want the best overall value.
– Wyndham Rewards Earner Premier Card — Annual fee: $395. Best for travelers who will maximize recurring statement credits and premium Wyndham benefits.
– Wyndham Rewards Earner Business Card — Annual fee: $149. Best for small-business owners whose expenses map to the card’s bonus categories.
Wyndham Rewards Earner Card
Best for: Occasional Wyndham guests who prefer no annual fee.
Welcome bonus: Up to 75,000 bonus points — 30,000 points after $1,000 in purchases in the first 90 days, plus 45,000 additional points after $500 spent at Wyndham properties in the first 180 days.
Annual fee: $0
Why it works: The Earner is a straightforward, no-fee way to earn Wyndham points. It pays elevated rewards on Wyndham stays and bonus rewards on gas, EV charging, groceries (excluding Target and Walmart), and dining — so you can keep earning points between hotel visits. Cardholders also receive automatic Gold status with benefits like preferred room selection, late checkout where available, and a 10% discount on award stays. For guests who visit Wyndham only once or twice a year, this card delivers value without the cost of an annual fee.
Wyndham Rewards Earner Plus Card
Best for: Travelers who stay at Wyndham several times a year and want the best overall value.
Welcome bonus: Up to 100,000 points — 45,000 points after $1,000 in purchases in the first 90 days, plus 55,000 points after $500 at Hotels by Wyndham in the first 180 days.
Annual fee: $95
Why it works: Earner Plus expands bonus categories beyond hotel stays to include travel, dining, and grocery, letting everyday spending generate meaningful points. Key perks include 15,000 anniversary points, Diamond status for the first year (then Platinum after), a free-night certificate worth up to 15,000 points after five or more stays in a calendar year, up to $25 in statement credits every six months on meal delivery, and a 10% discount on award stays. For regular Wyndham guests, these benefits typically justify the $95 fee and make this card the best overall value in the lineup for many members.
Wyndham Rewards Earner Premier Card
Best for: Cardholders who will fully use recurring statement credits and premium benefits.
Welcome bonus: Up to 120,000 points — 90,000 points after $6,000 in purchases in the first 120 days, plus 30,000 points after $750 at Hotels by Wyndham in the first 180 days.
Annual fee: $395
Why it works: The Premier is built around statement credits and high-end perks that can offset the fee when used consistently. Recurring credits include up to $120 per year for food delivery, $100 per year for streaming services, $65 toward a wholesale club membership, and a $100 credit tied to spending at least $100 at Wyndham hotels — together these can nearly cover the $395 fee before counting travel benefits. Additional perks include automatic Diamond status, 25% off award stays, and 30,000 anniversary points. The main caveat: these credits are use-it-or-lose-it. If you won’t reliably use the credits, Earner Plus is likely the smarter, lower-risk choice.
Wyndham Rewards Earner Business Card
Best for: Small-business owners whose spending aligns with the card’s elevated categories.
Welcome bonus: Up to 100,000 points — 45,000 points after $3,000 in purchases in the first 90 days, plus 55,000 points after $500 at Hotels by Wyndham in the first 180 days.
Annual fee: $149
Why it works: The Earner Business rewards business-relevant spend at strong rates: 8 points per dollar at Hotels by Wyndham and 5 points per dollar on gas, EV charging, marketing and advertising, office supply stores, and shipping. It also yields 1 point per dollar on all other purchases. Business cardholders receive automatic Diamond status, 15,000 anniversary points, 20% fewer points required for free nights, and a $65 annual wholesale club credit. If your company spends heavily in the card’s bonus categories, this card can rack up points quickly; otherwise, a personal Earner card may be a better match.
Which card should you choose?
– Choose the Earner if you want to earn Wyndham points with no annual fee and only stay infrequently.
– Choose the Earner Plus if you stay with Wyndham several times a year and want the best combination of everyday earnings and hotel perks for a modest fee.
– Choose the Earner Premier if you will reliably use the recurring statement credits and want premium benefits like ongoing Diamond status, larger anniversary points, and deeper award discounts.
– Choose the Earner Business if you run a small business and your expenses line up with the card’s high-earning categories (advertising, shipping, office supplies, gas, EV charging, and hotel spend).
Bottom line
Wyndham’s four-card lineup covers a wide range of traveler and business needs so you don’t have to settle for a nearly right card. Match the annual fee to how often you stay at Wyndham, be realistic about whether you’ll use statement credits and elite perks, and let your spending patterns point you to the card with the most valuable bonus categories. When you choose the card that fits your habits, it can turn routine spending into meaningful free nights and elite benefits.
