Wyndham Rewards Earner Plus Card Review

The Wyndham Rewards Earner Plus Card is a valuable card for Wyndham loyalists, offering rewards rates on everyday spending categories that rival some of the best credit cards on the market. The rewards program’s hotel redemption options should also appeal to travelers who prefer simplicity.

In addition, the card offers a generous welcome bonus for a low spending requirement with enough bonus points possible for up to 12 nights at certain properties. Note that you’ll need good credit or better to get approved. 

Pros Explained

• Low spending requirement for welcome bonus: When you open an account, you’ll 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. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points. To get this bonus, you just need to spend $334 for the first three or six months of account opening.
• Annual points bonus worth one night’s stay: You’ll get 7,500 bonus points when you renew your account, which is enough for one rewards night at certain Wyndham properties.
• Platinum status benefits: You’ll have Platinum status with Wyndham’s loyalty program as long as your account is open—you typically need to stay nine or more nights in a year to reach that level. Platinum status comes with perks like early check-in, late checkout, car rental upgrades, and points bonuses.
• Excellent rewards on gas, groceries, and dining: You wouldn’t normally expect this from a hotel credit card, but the Wyndham Rewards Earner Plus Card offers rewards rates on eligible gas, grocery, and dining purchases that rival some of the best rewards credit cards in each of those categories.
• 0% APR on balance transfers: You won’t pay any interest for 15 months on balance transfers you make in the first 45 days. Very few hotel rewards cards offer this perk. 

Cons Explained

• Anniversary points limit you to low-tier properties: The 7,500 points you earn on your cardmember anniversary are enough to book Wyndham's lowest-tier properties. Anniversary bonuses from competing cards give you a wider range of properties to choose from. For example, the World of Hyatt card's yearly award night is good for Category 1-4 properties, which include upscale properties like Grand Hyatt and Andaz.

Bonus for New Cardholders

As a new cardholder, you’ll receive 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. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.

Based on data collected by The Balance, Wyndham Rewards points are worth 0.98 cents on average when you use them to book free hotel stays. If you can get that average rate, your welcome offer is worth $441.

Other hotel credit cards offer comparable bonuses to the Earner Plus but with a higher spending requirement. The bonus is worth up to twelve free nights at Wyndham properties, making this card's offer a great value.

Earning Points & Rewards

As a cardholder, you’ll earn 6 points per dollar on eligible Wyndham and gas purchases, 4 points per dollar on eligible grocery and dining purchases, and 1 point per dollar on everything else.

It’s normal for a hotel card to reserve its highest rewards rate for purchases at its properties; giving gas purchases the highest rewards rate is uncommon. Also, earning 4 points per dollar on dining and groceries is a standout rate among hotel cards.

The biggest drawback here is that you’ll earn only 1 point per dollar on all non-bonus spending. This type of setup is typical of most rewards cards, but there are competing hotel cards that offer 2 points per dollar as a base rate.

Redeeming Rewards

You can use your Wyndham Rewards points in several ways, but you’re best off using them strictly to book free hotel stays at Wyndham properties. Again, the points are worth 0.98 cents apiece on average, but you could get more or less than that based on how you redeem.

To figure out how much your points are worth on a particular stay, divide the cash price of the stay by the number of points required to book it.

A lot of hotel chains have convoluted award charts with a long list of property categories and different rates depending on if you’re traveling during off-peak or peak season. Wyndham, on the other hand, has just three category tiers for more than 9,000 properties worldwide. You’ll pay 7,500, 15,000, or 30,000 points per night for award stays. 

If you don’t have enough rewards or you want to save them up for a long vacation, you can also combine your points with cash to book a stay—that option starts at 1,500, 3,000, or 6,000 points per night, and you’d pay the remainder in cash.

Here are some of the other redemption options you can choose:

• Tours and activities: Redemption rates may vary by booking but, in many cases, the rates don’t approach the 1-cent-per-point value you should look for.
• Gift cards: You can redeem your rewards for gift cards at an average rate of 0.37 cents per point. Retailers include Avis, Dave & Busters, Bass Pro Shops, Barnes & Noble, and PetSmart.
• Marathon Gas: Cardholders You can use your points to purchase gas at Marathon Gas stations that accept rewards redemptions. However, Marathon Gas doesn’t have many locations that accept rewards and Wyndham doesn’t specify point redemption values.
• Merchandise: You can redeem points for products from well-known retailers like Bose and Cuisinart, but the redemption rates tend to be far below the desired rate of at least 1 cent per point.
• Charitable donations: Like some other travel rewards programs, you can donate your points to charitable organizations. The minimum redemption is 500 points.
• Maintenance and exchange fees: If you own a Wyndham timeshare, you can use points to cover maintenance and exchange fees at a rate of 0.5 cents per point.

Transferring Points

With some rewards programs, one of the best ways to maximize the value of your rewards is by transferring them to other loyalty programs. To make it worthwhile, though, the ratio has to be good, and that’s not the case with most of Wyndham’s transfer partners. Whereas the Chase Ultimate Rewards program lets you transfer points 1-to-1 to airlines like United, Wyndham’s transfer rates are 5-to-1 for most of its airline partners, including United and Frontier.

If you’re thinking about transferring your Wyndham Rewards points, your best bet is the Caesar Rewards program because its transfer rate is 1-to-1. 

How to Get the Most Out of This Card

As soon as you open your account, create a plan to meet the minimum spending requirement to get the welcome offer (roughly $333 per month) and use the card anytime you’re buying gas or groceries, or when you go out to eat. Use a different card for non-bonus spending, as your Wyndham card will earn just 1 point per dollar on those purchases.

When you’re ready to redeem your points, book hotel rooms because they provide the most value per point. 

Excellent Perks 

The Wyndham Rewards Earner Plus Card offers one perk that The Balance’s editorial team has deemed “excellent”:

• Platinum level benefits: You’ll maintain Platinum status as long as your account is open. You’ll get accelerated earning on cash stays (15% more), late checkout and early check-in, preferred room choice, status match with the Caesar Rewards program, rental car upgrades with Avis and Budget, and several other perks related to booking discounts.

Other Features

• Go free program offers a 10% discount on points bookings at certain properties

Customer Experience

J.D. Power ranked Barclays ninth out of 11 national credit card issuers in its 2020 credit card satisfaction study. The card issuer’s 796-point rating (out of 1,000) was below the average of 810. Barclays offers complimentary FICO-score access as a benefit to its cardholders. You can manage your account online or from the Barclays mobile app, and if you have questions, you can contact customer service anytime.

Security Features 

Barclays uses standard security measures to protect its cardholders, including two-factor authentication for account logins, zero-liability protection if someone uses your card without your permission, and contactless technology, which provides the same level of security as EMV chips but with a quicker process.

Fees

The Wyndham Rewards Earner Plus Card doesn’t charge any fees that are out of the ordinary for similar credit cards.