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Wyndham’s 25-brand portfolio includes thousands of hotels around the world. A Wyndham Rewards credit card can enhance eligible stays with benefits such as complimentary elite status, discounted award redemptions, and cardmember booking rates.
Wyndham now offers four credit cards, including a new premium option, plus a separate debit card. Here's an overview of each card to help you decide.
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Current Wyndham Credit Card Sign-Up Bonuses
One of the fastest ways to earn Wyndham Rewards points for free hotel nights is by earning a sign-up bonus from a Wyndham credit card. Here's a look at the offers available now:
- Wyndham Rewards Earner® Card: Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days, plus 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. $0 annual fee.
- Wyndham Rewards Earner® Plus Card: Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days, plus 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. $95 annual fee.
- Wyndham Rewards® Earner℠ Business Card: Earn 45,000 bonus points after spending $3,000 on purchases in the first 90 days, plus 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. $149 annual fee.
$0
- 5X points on Hotels by Wyndham
- 3X points on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®)
- 1X points on all other purchases (excluding Vacation Club down payments).
$95
- 6X points on Hotels by Wyndham
- 4X points on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®)
- 1 point per dollar on all other purchases (excluding Vacation Club down payments)
$149
- 8X points on Hotels by Wyndham
- 5X points on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases
- 1X on all other purchases (excluding Vacation Club down payments)
Related: Best Hotel Rewards Credit Cards
Wyndham Credit Card Comparison: Which One Is Right for You?
Wyndham Rewards offers four credit cards through Barclays — three personal cards and one business card — along with a debit card issued by Sunrise Banks, N.A.
Each card, including the debit card, offers complimentary Wyndham elite status, bonus points on spending, and other perks. Here's a comparison to help you decide which one is right for you.
Wyndham Rewards Earner® Card
The Wyndham Earner Card charges no annual fee but still comes with a solid assortment of perks. It offers a great way to earn Wyndham Rewards elite status and rack up bonus points on your spending without the commitment of an annual fee. Here are some of the card’s key highlights:
- Earn 5X points on eligible purchases at Hotels by Wyndham; 3X points on eligible Vacation Club, dining, grocery store, gas, and EV charging purchases (excluding Target® and Walmart®); and 1X point on other eligible purchases (excluding Vacation Club down payments).
- Receive complimentary Gold status and earn 10% more points on stays, plus benefits like late checkout when available.
- Earn 7,500 bonus points each year when you spend $15,000 on eligible purchases.
- Redemption discount of 10% on the number of Wyndham Rewards points required to obtain free nights.
- No foreign transaction fees.
- Get $0 fraud liability protection for unauthorized transactions.
- $0 annual fee.
- 5X points on Hotels by Wyndham
- 3X points on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®)
- 1X points on all other purchases (excluding Vacation Club down payments).
Related: Wyndham Earner Card Full Review
Wyndham Rewards Earner® Plus Card
The Wyndham Earner Plus Card is a step up from the no-annual-fee Wyndham Earner Card. It charges a modest $95, but that also comes with added benefits. These include:
- Earn 6X points on eligible purchases at Hotels by Wyndham; 4X points on eligible Vacation Club, travel, dining, and grocery store purchases (excluding Target® and Walmart®); and 1X point on other eligible purchases (excluding Vacation Club down payments).
- Receive complimentary Wyndham Rewards Diamond status during the first year and Platinum status thereafter. Diamond members earn a 20% bonus points on qualified stays; Platinum members earn 15%.
- Earn 15,000 bonus points each anniversary year after paying the annual fee.
- Redemption discount of 10% on the number of Wyndham Rewards points required to obtain free nights.
- Get access to a cardmember-exclusive booking discount on the Standard Rate at participating Wyndham properties.
- No foreign transaction fees.
- Get $0 fraud liability protection for unauthorized transactions.
- $95 annual fee.
- 6X points on Hotels by Wyndham
- 4X points on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®)
- 1 point per dollar on all other purchases (excluding Vacation Club down payments)
Related: Wyndham Earner Plus Card Full Review
Wyndham Rewards® Earner℠ Business Card
If you own a business — which is a lot easier than you might think — you’re in luck. Business owners have another option: the Wyndham Earner Business Card. Here’s what the current version offers:
- Earn 8X points on eligible purchases at Hotels by Wyndham; 5X points on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store, and shipping purchases; and 1X point on other eligible purchases (excluding Vacation Club down payments).
- Receive complimentary Diamond status and unlock a 20% points bonus, plus benefits like suite upgrades and a welcome amenity at check-in.
- Earn 15,000 bonus points every anniversary year after paying the annual fee.
- Receive a 20% discount on the Wyndham Rewards points required for free-night redemptions.
- Get access to a cardmember-exclusive booking discount on the Standard Rate at participating Wyndham properties.
- No foreign transaction fees.
- Get $0 fraud liability protection for unauthorized transactions.
- Add employee cards at no extra cost to manage and track business expenses.
- Enroll in Visa SavingsEdge to save automatically on qualifying business purchases.
- $149 annual fee.
- 8X points on Hotels by Wyndham
- 5X points on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases
- 1X on all other purchases (excluding Vacation Club down payments)
Related: Wyndham Earner Business Card Full Review
Wyndham Rewards Debit Card
In early 2025, Wyndham partnered with Sunrise Banks N.A. to launch the Wyndham Rewards Debit Card. While it’s not a credit card, it still offers several perks that make it feel like one, which is great if you like the benefits above but don’t want to open another credit card or aren’t otherwise eligible to apply for one.
Here’s a look at what the debit card offers:
- Earn 1X points per $1 spent on eligible purchases made at participating Hotels by Wyndham and qualifying gas and grocery purchases, and 1X points per $2 spent on all other qualifying purchases.
- Receive complimentary Gold status and earn 10% more points on stays, plus benefits like late checkout when available.
- Earn up to 7,500 bonus points each anniversary year based on your total annual spending: 2,500 points at $5,000, 5,000 points at $10,000, and 7,500 points at $15,000 or more.
- Enjoy a cardmember-exclusive discount on the Standard Rate at participating Hotels by Wyndham.
- $6 monthly fee, but this fee is waived for any statement cycle in which you maintain a $2,500 average monthly balance.
- Pay no ATM fees at more than 2 million Cirrus® ATMs worldwide.
- Earn unlimited Wyndham Rewards points with no cap.
In addition, you can earn 2,500 bonus points after setting up two direct deposits and spending $100 within the first 90 days of opening your account.
Final Thoughts
Wyndham now offers four credit cards issued by Barclays, plus a separate debit card issued by Sunrise Banks. The credit cards differ substantially in annual fee, earning rates, elite status, anniversary bonuses, statement credits, and award-redemption discounts.
If you’re trying to decide which one is right for you, here’s a quick guide based on each card’s standout feature:
- Best for travelers who want to avoid an annual fee: Wyndham Earner Card
- Best for those looking for good perks at a modest cost: Wyndham Earner Plus Card
- Best for business owners or anyone aiming for Diamond status: Wyndham Earner Business Card
Plus, the Wyndham Rewards Debit Card is an alternative for travelers who do not want or cannot qualify for a credit card. But unlike the four Wyndham credit cards, the debit card does not offer a discount on award redemptions.
