Wyndham’s Hotel Credit Card Portfolio Gets a Full-Scale Makeover

The three new 'Earner' products — two personal cards and a business card — offer elevated rewards on gas and spending with Wyndham, along with other perks.

Erin HurdSeptember 29, 2020
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Wyndham's Hotel Credit Card Portfolio Gets a Full-Scale Makeover

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Wyndham's co-branded hotel credit cards, issued by Barclays, have been upgraded.

As of Sept. 29, 2020, the new "Earner" portfolio will consist of the following cards, which will offer elevated rewards on gas and spending with Wyndham, along with other perks:

Wyndham's Hotel Credit Card Portfolio Gets a Full-Scale Makeover

Image courtesy of Barclays/Wyndham

  • Wyndham Rewards Earner Card: $0 annual fee.

  • Wyndham Rewards Earner Plus Card: $75 annual fee.

  • Wyndham Rewards Earner Business Card: $95 annual fee.

The existing Wyndham Rewards® Visa® Card and Wyndham Rewards® Visa® With No Annual Fee will close to new applicants.

Wyndham Rewards Earner cards: What they offer

Here's a glance at how the three new cards stack up:

Wyndham Rewards Earner Card

Wyndham Rewards Earner Plus Card

Wyndham Rewards Earner Business Card

Annual fee

$0

$75

$95

Sign-up bonus

30,000 points after spending $1,000 on purchases in the first 90 days.

45,000 points after spending $1,000 on purchases in the first 90 days.

45,000 points after spending $1,000 on purchases in the first 90 days.

Rewards

  • 5 points per $1 spent on Wyndham hotel stays and on gas.

  • 2 points per $1 spent on restaurants and grocery store purchases.

  • 2 points per $1 spent on eligible purchases made at Wyndham Timeshare properties (including maintenance fee and loan payments).

  • 1 point per $1 spent on all other purchases.

  • 6 points per $1 spent on Wyndham hotel stays and on gas.

  • 4 points per $1 spent on restaurants and grocery store purchases.

  • 4 points per $1 spent on eligible purchases made at Wyndham Timeshare properties (including maintenance fee and loan payments).

  • 1 point per $1 spent on all other purchases.

  • 8 points per $1 spent on Wyndham hotel stays and on gas.

  • 5 points per $1 spent on marketing, advertising and utilities.

  • 1 point per $1 spent on all other purchases.

Anniversary bonus points

7,500 points after spending $15,000 on purchases

7,500 points (automatic, no spending required)

15,000 points (automatic, no spending required)

Automatic Wyndham status

Gold

Platinum

Diamond

Cell phone protection

None

None

Yes (must pay wireless bill with card each month)

(Note that Target and Walmart will not qualify as "grocery store purchases.")

All three cards also offer:

  • A 10% discount on the number of points redeemed for free nights.

  • No foreign transaction fees.

What this means for existing Wyndham cardholders

In virtually every way, the new Earner cards are better deals than their predecessors, the Wyndham Rewards® Visa® With No Annual Fee and the Wyndham Rewards® Visa® Card.

All of the new Earner products equal or out-earn those legacy cards in terms of spending with Wyndham, and on gas and grocery store purchases. The consumer versions of the Earner cards also add restaurants as a bonus category.

If you have the Wyndham Rewards® Visa® With No Annual Fee or the Wyndham Rewards® Visa® Card, you are eligible to apply for one of the new Earner versions, in which case you'll also be eligible for the sign-up bonus.

Or you can choose to call Barclays and product-change to one of the new versions. You won’t be eligible for the bonus, but you also won’t get a hard pull on your credit.

You can also choose to do nothing and keep your existing card intact.

Are the Earner cards a good deal?

For Wyndham loyalists, they certainly could be. Here's a look at what to consider:

Straightforward redemption options

With Wyndham Rewards, you have two options to redeem your points for award nights:

  • Go free: Free nights cost 7,500, 15,000 or 30,000 points per bedroom.

  • Go fast: A mixture of cash and points. You can get a discounted night for 1,500, 3,000 or 6,000 points per bedroom plus cash at participating properties.

So depending on how you use your points, even the lowest possible sign-up bonus on these cards could snag you up to four free nights with Wyndham.

You won’t have to worry about peak/off-peak pricing as you do with some hotel programs or be concerned with costs changing dynamically, either. If you’re looking to book a specific property, you’ll know how many points you’ll need no matter the date (of course, that doesn’t guarantee an award room will be available).

Decent point values

NerdWallet values Wyndham points at 0.9 cent each. That means the 7,500 anniversary bonus points offered on the Wyndham Rewards Earner Card and the Wyndham Rewards Earner Plus Card are worth about $67, while the anniversary bonus points from the Wyndham Rewards Earner Business card are worth roughly $135 toward Wyndham stays.

Large hotel footprint

Wyndham hotels may not seem as ubiquitous as Marriott and Hilton, but some travelers may be surprised to learn that the company's 9,000-plus property collection makes it the largest hotel chain in the world. So chances are there’s a Wyndham property near you.

If you just need a place to rest your head and don’t care about full-service luxuries, a Wyndham property can often be your best choice for a reasonable amount of points. Or, if you’re looking for a higher-end experience, you can also use your Wyndham Rewards at a small (but growing) number of boutique and resort properties.

No outright 'free anniversary night'

Unlike some other co-branded hotel credit cards — such as the Marriott Bonvoy Boundless™ Credit Card and The World Of Hyatt Credit Card — none of the new Wyndham Earner credit cards comes with an automatic "free night award" every year that you can apply to a wide range of properties.

These cards do offer anniversary bonus points that could, in theory, snag you a free night each year at Wyndham's lowest-end tier — but that's not the same thing as an outright free award night.

Still, it's important to note that Wyndham points don't expire for four years from the time you earn them (or 18 months without any account activity). Most free-night certificates typically expire after one year, making the anniversary bonus points more flexible.

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