Wyndham Rewards Earner Plus

The Earner Plus earns its keep on the anniversary bonus alone: 15,000 Wyndham points every year, enough for up to two award nights, against a $95 annual fee that Barclays raised from $75 in June. The 100,000 point signup offer is generous relative to the spend required, 45,000 after $1,000 in the first 90 days plus 55,000 after $500 at a Wyndham hotel within 180 days, so most applicants will clear it on a single trip and a month of normal spending. Ongoing you get 6x at Hotels by Wyndham, 4x on dining, groceries, and travel, Diamond status in your first year followed by Platinum, a free night worth up to 15,000 points after five nights in a calendar year, and 10% off award redemptions. The honest caveat is that the 6x applies only at Wyndham properties and all non category spend drops to 1x, so this is a hotel card, not a wallet anchor. A 15 month 0% intro APR on balance transfers is a bonus rather than a reason to apply.