The 30,000 anniversary points, enough for up to four award nights, are what this $395 card is really selling, and they arrive each year after the annual fee is paid rather than depending on how much you spend. Stack them with a free night worth up to 30,000 points after five stays in a calendar year, a 25% discount on every award redemption, and up to $385 in annual statement credits spread across Wyndham stays, meal delivery, streaming and a wholesale club membership, and a frequent Wyndham guest can clear the fee without much effort. The limited-time welcome offer is 120,000 points, though it asks more than the cheaper Earners do: 90,000 after $6,000 of spending and paying the annual fee in full within 120 days, plus 30,000 after $750 at Hotels by Wyndham within 180 days. Earning runs 8 points per dollar at Hotels by Wyndham, 4x on travel, dining and groceries excluding Target and Walmart, and 1x on everything else. The honest catch is that all of this value is denominated in Wyndham points, so a $395 fee only pencils out if you are redeeming several award nights a year; an occasional guest is better served by the Plus.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels At Hotels by Wyndham, including Wyndham Travel Bundles | 8x |
Travel | 4x |
Dining | 4x |
Groceries Excludes Target and Walmart | 4x |
Everything Else Also earns 4x on Wyndham Vacation Club purchases | 1x |
| Benefit | Value |
|---|---|
Anniversary Points Bonus 30,000 bonus Wyndham Rewards points each anniversary year after payment of your annual fee, enough for up to four free award nights. | 30,000 points /yr |
Annual Free Night A free night worth up to 30,000 Wyndham Rewards points after you stay five or more nights in a calendar year. | 30,000 points /yr |
Points Redemption Discount Redeem 25% fewer Wyndham Rewards points when you book free nights. | 25% |
Annual Wyndham Hotel Credit Up to $100 in statement credits each calendar year after spending $100 or more at eligible Wyndham hotels. | $100 /yr |
Meal Delivery Credit Up to $120 per year in statement credits, $10 per month, on qualifying third-party meal delivery services. | $120 /yr |
Streaming Credit Up to $100 per year in statement credits on qualifying streaming services. | $100 /yr |
Wholesale Club Statement Credit Up to $65 in annual statement credits toward qualifying wholesale club membership fees. | $65 /yr |
Wyndham Rewards Insider Subscription Complimentary Wyndham Rewards Insider subscription, a $95 value, for as long as the account is open and in good standing. | $95 /yr |
Global Entry or TSA PreCheck Credit Statement credit of up to $120 to reimburse a Global Entry or TSA PreCheck application fee, available again every four years. | $120 |
| Total annual credits | $480 |
Card details
Regular APR | 19.24%–29.99% variable |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | None |