My Money Blog

Cards refreshed. The Wyndham Rewards Earner credit cards have a refreshed line-up with some limited-time sign-up offers as well. However, to get the full sign-up bonus you now need to spend a certain amount at Wyndham Hotels. Free nights start at 7,500 points and go as high as 30,000 points. Reminder that as of 2026, Vacasa home rentals are no longer a partner of Wyndham Rewards.

Wyndham Rewards Earner Card highlights:

• Up to 75,000 total bonus points. 30,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
• 5X points per $1 spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles.
• 3X points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®), as well as eligible gas and EV charging purchases.
• 1 point per $1 spent on all other purchases (excluding Vacation Club down payments).
• Automatic upgrade to Wyndham Rewards Gold status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases.
• No annual fee.

Wyndham Rewards Earner Plus Card highlights:

• Up to 100,000 total bonus points. Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
• 6X points per $1 spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles.
• 4X points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®), as well as eligible gas and EV charging purchases.
• 1X point per $1 spent on all other purchases (excluding Vacation Club down payments).
• Automatic upgrade to Wyndham Rewards Platinum status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 15,000 bonus points each anniversary year after payment of your annual fee.
• $50 Meal Delivery Credit. Enjoy up to $25 in statement credits back every 6 months on eligible meal delivery purchases when you pay with your card—up to $50 each calendar year.
• $95 annual fee.

Wyndham Rewards Earner Premier Card highlights:

• Up to 120,000 total bonus points. Earn 90,000 bonus points after spending $6,000 on purchases and paying the annual fee in full, both within the first 120 days, and also earn 30,000 bonus points after spending $750 at Hotels by Wyndham in the first 180 days.
• 8X points per $1 spent on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles.
• 4X points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®), as well as eligible gas and EV charging purchases.
• 1X point per $1 spent on all other purchases (excluding Vacation Club down payments).
• Automatic upgrade to Wyndham Rewards Diamond status.
• 10% fewer Wyndham Rewards points required for go free® awards.
• 15,000 bonus points each anniversary year after annual fee renewal.
• $100 Wyndham Hotels annual credit. You are eligible to receive a single statement credit of $100 back after spending $100 or more in the aggregate at Wyndham® hotels, Wyndham Grand® hotels, Dolce Hotels and Resorts® by Wyndham, Trademark Collection® by Wyndham and/or Registry Collection Hotels® each calendar year.
• $65 Wholesale Club annual credit. Receive a $65 statement credit back each calendar year after making qualifying wholesale club membership purchases with your card.
• $120 in Meal Delivery credits annually. Enjoy up to $10 in statement credits back each month–up to $120 each calendar year–after making qualifying meal delivery purchases with your card.
• $100 in Streaming annual credits. Receive statement credits on qualifying streaming subscriptions—stream more of what you love.
• $120 TSA PreCheck/Global Entry credit, once every 4 years.
• Free Wyndham Insider membership ($95/year value).
• $395 annual fee.

Wyndham hotels have a relatively simple system that charges 7,500, 15,000, or 30,000 points for a “Go Free” award hotel night with no blackout dates (as long as a standard room is available for cash, you can book it with points). You can also redeem toward a discounted “Go Fast” cash and points rate. Resort fees may apply and cannot be paid with points. Note that when you have one of these credit cards, you get a 10% discount, so for example the 15,000 points tier would be actually be reduced down to 13,500 points.

Wyndham points expiration – Important!

• Wyndham Rewards points will expire if you have no activity on your account for a period of 18 months.
• In addition, all Wyndham Rewards points expire 4 years after being earned — regardless of account activity.
• NEW: The only exception to this is if you are a Wyndham Rewards Earner® Premier Card Cardmember.

From the official Terms & Conditions:

Except as may otherwise be required under applicable law or set forth herein with respect to Wyndham Rewards Earner® Premier Cardmembers, Wyndham Rewards points expire four (4) years after the date on which the applicable points are posted to the Member’s account (the “Four Year Rule”), unless the points are forfeited or cancelled earlier due to membership inactivity (as more particularly described below), or otherwise in accordance with these Terms and Conditions. For clarity, posting dates vary based on the type of activity for which they were earned. Except as may otherwise be set forth herein with respect to Wyndham Rewards Earner® Premier Cardmembers, all accrued points in a Member’s Wyndham Rewards account may be cancelled or forfeited if the Member has no Account Activity (as defined below) for a period of approximately, but never less than, eighteen (18) consecutive months. For purposes of these Terms and Conditions, “Account Activity” means any (i) point earning, and (ii) redemption or transfer activity involving a change in the Member’s Wyndham Rewards point balance, in each case, conducted in accordance with these Terms and Conditions.

Without limiting any other section of these Terms and Conditions, points earned by a Wyndham Rewards Earner® Premier Card Cardmember do not expire under this Section I(14) as long as Cardmember’s account is open and in good standing.

For example, earning points via this credit card will only reset the 18-month inactivity clock. Look for the exact date in your online account page. Again, there is a new exception for the top-tier Premier credit card.

Wyndham Rewards includes over 9,000 hotels worldwide – from Days Inn motels to Wyndham Grand hotels. You can use this link to filter locations easily by country, state, and/or point level. Participating hotel chains include:

• AmericInn by Wyndham®
• Dolce Hotels and Resorts® by Wyndham
• Hawthorn Suites by Wyndham®
• Howard Johnson by Wyndham®
• La Quinta by Wyndham®
• Ramada by Wyndham®
• Days Inn by Wyndham®
• Super 8 by Wyndham®
• Travelodge by Wyndham®
• Wingate by Wyndham®
• Wyndham Grand®
• Wyndham Hotels and Resorts®
• Wyndham Garden®

I don’t like that the sign-up bonuses now include a requirement for a paid stay at a Wyndham hotel first, so I will probably be skipping this card.