Wyndham Rewards Earner Plus Card Review

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The Wyndham Rewards Earner Plus Card, issued by Barclays, offers impressive rewards on everyday spending categories and also comes with many of the same perks you’d expect from other top hotel credit cards. It could be an excellent choice for travelers who prefer Wyndham properties.

Wyndham Rewards® Earner℠ Plus Card

Overall Rating
3.0
Wyndham Rewards® Earner℠ Plus Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.99% variable
Annual Fee $75
Rewards Earning 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). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
2.3
for Fees
2.5
for Rewards
2.9
for Credit
2.2
Current 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.

Who Is This Credit Card Best For?

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    Brand Loyalist

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.

That said, the card’s welcome offer falls short compared with some other top hotel credit cards, so keep that in mind if a big intro bonus is important to you. Also, note that you’ll need good credit or better to get approved. 

Pros
  • Low spending requirement for welcome bonus

  • Annual points bonus worth one night’s stay

  • Platinum status benefits

  • Excellent rewards on gas, groceries, and dining

  • 0% APR on balance transfers

Cons
  • Anniversary points limit you to low-tier properties

Pros Explained

  • Low spending requirement for welcome bonus: When you open an account, you’ll earn 45,000 bonus points after you spend just $1,000 in the first 90 days. Welcome bonuses from other cards offer more value, but this one’s among the easiest to earn.
  • 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 if you spend $1,000 in the first 90 days. Based on data collected by The Balance, Wyndham Rewards points are worth 1.05 cents on average when you use them to book free hotel stays. If you can get that average rate, your welcome offer is worth $472.50.

Other hotel credit cards offer more valuable bonuses than the Earner Plus, but the bonus is still worth up to six free nights at Wyndham properties. And, if you aren’t sure you can manage to spend $1,000 a month that other hotel cards require for a welcome bonus, this card’s low spending requirement could make it a good fit.

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.

Target and Walmart are not included in the grocery-rewards category.

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 1.05 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.

Caesars hotel bookings require a resort fee that you can’t pay for with points.

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.

Next Steps
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CURRENT CARD
Wyndham Rewards® Earner℠ Plus Card
overall rating
3.0
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.99% variable
Annual Fee $75
Rewards Earning 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). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. Wyndham Rewards. "Wyndham Rewards Earner Plus Card." Accessed Dec. 15, 2020.

  2. Wyndham Rewards. "How to Redeem." Accessed Dec. 10, 2020.

  3. Wyndham Rewards Catalog. "Charity." Accessed Dec. 10, 2020.

  4. Wyndham Rewards. "Maintenance Fees." Accessed Dec. 10, 2020.

  5. Wyndham Rewards. "Airline Miles & Partner Points." Accessed Dec. 10, 2020.

  6. J.D. Power. "2020 U.S. Credit Card Satisfaction Study." Accessed Dec. 10, 2020.