The Wyndham Rewards Earner is a no-annual-fee way into Wyndham's program, with 3x points on dining and groceries (excluding Target and Walmart) and 5x at Hotels by Wyndham. Its 75,000-point signup bonus comes in two pieces: 30,000 points after $1,000 in spend within 90 days, and 45,000 more after spending $500 at Hotels by Wyndham within 180 days, so the full amount depends on actually booking a Wyndham stay. You also get automatic Gold status, 10% off the points cost of free nights, and a 15-month 0% intro APR on balance transfers. The tradeoff is that ongoing value is thin compared with the paid versions: the 7,500-point anniversary bonus requires $15,000 in annual spend, and everything outside the bonus categories earns just 1x. It is a solid keeper for occasional Wyndham guests who want no fee and no foreign transaction charges, but frequent guests will likely get more from the Earner Plus.
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 |