For a card with no annual fee, the Earner asks very little and still puts up a 75,000 point welcome offer: 30,000 after $1,000 of spending in the first 90 days, plus 45,000 more after just $500 at Hotels by Wyndham within 180 days. Ongoing it earns 5 points per dollar at Hotels by Wyndham, 3x on dining and groceries excluding Target and Walmart, and 1x on everything else, alongside automatic Gold status and a 10% discount when you redeem for free nights. There is also 15 months of 0% intro APR on balance transfers and no foreign transaction fee. The limits are real: the 7,500 point anniversary bonus only lands after $15,000 of spending in a cardmember year, and the higher hotel rate, Diamond status and larger anniversary bonus are reserved for the paid versions of this card. Treat it as a low-commitment way to keep Wyndham points accumulating rather than a card that earns its way into daily use.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels At Hotels by Wyndham | 5x |
Dining | 3x |
Groceries Excludes Target and Walmart; the 3x tier also covers eligible Wyndham Vacation Club purchases | 3x |
Everything Else | 1x |
| Benefit | Value |
|---|---|
Annual Spend Bonus 7,500 bonus Wyndham Rewards points each anniversary year when you spend $15,000 on eligible purchases, enough for up to one free night. | 7,500 points /yr |
Points Redemption Discount Redeem 10% fewer Wyndham Rewards points when you book free nights. | 10% |
| Total annual credits | 7,500 points |
Card details
Regular APR | 19.24%–29.99% variable |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | None |