Wyndham Rewards Earner

For a card with no annual fee, the Earner covers a surprising amount of ground: 5x points at Hotels by Wyndham, 3x on dining and groceries, automatic Gold status, and a 10% discount on award night redemptions that quietly stretches every point you hold. The 75,000 point signup bonus is easy to reach at these thresholds, 30,000 after $1,000 of spend in the first 90 days plus 45,000 after just $500 at a Wyndham hotel within 180 days, which is a low bar for a bonus this size. There is also a 15 month 0% intro APR on balance transfers, useful if you are carrying a balance elsewhere and want a rewards card doing double duty. The limits are clear enough: the 5x rate applies only at Wyndham properties, groceries exclude Target and Walmart, everything else earns 1x, and Wyndham points are worth less than transferable currencies. Take it as a free companion card if you ever stay at Wyndham brands, not as your primary earner.