This card offers a nice welcome bonus, Wyndham Platinum status, a 7,500 annual bonus, and 6x points at Wyndham Hotels and at gas stations.
This article will cover everything you need to know about this card to determine if you should add this card or a different card to your wallet. Let’s dive right in.
The Wyndham Earner Plus currently offers the following welcome bonus:
Earn 75,000 bonus points after spending $1,000 on purchases in the first 90 days.
The Wyndham Earner Plus earns the points at the following rate:
- 6 points per dollar at Wyndham Hotels;
- 6 points per dollar at gas stations;
- 4 points per dollar on dining;
- 4 points per dollar on grocery store purchases (excluding Target and Walmart); and
- 1 point per dollar on all other purchases.
The Wyndham Earner Plus has a $75 annual fee, which you can offset with an annual bonus of 7,500 points, Platinum Elite status and more.
Card Benefits and Perks
Below are the card benefits and perks of the Wyndham Earner Plus:
7,500 Annual Bonus
You can get 7,500 bonus points every account anniversary year for just holding on to the card, which gets you one free night at a lower-tier hotel.
Complimentary Platinum Elite Status
This card gets you Wyndham Platinum status automatically for just holding that card.
10% Award Discount
Wyndham cardholders automatically get a 10% discount on free night (Go Free) awards, which normally cost 7,500, 15,000, or 30,000 points.
With the discount, the free nights cost 6,750 points, 13,500 points, or 27,000 points, depending on the category.
Cardholders save 7% or 12% off the Best Available Rate. The typical Member Rate is a 5% to 10% discount, so this benefit is only about a 2% extra discount.
0% APR Promotion
The Earner Plus Card has two 0% APR offers:
- 0% introductory APR for 15 months on balance transfers made within 45 days of account opening.
- 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases.
There is a balance transfer fee of the greater of $5 or 5%. After the promotional period, a variable APR will apply: 20.74%, 24.99% or 29.99%, based on your creditworthiness.
No Foreign Transaction Fees
This card has no foreign transaction fees on purchases outside the U.S., which is helpful if you travel internationally to help you avoid paying a 3% fee on those international purchases.
Pros and Cons
Here’s a quick overview of this card’s advantages and disadvantages:
- Wyndham Platinum Elite Status
- 7,500 Points Bonus
- 6x points at Wyndham and Gas Stations
- 10% Award Discount
- $75 Annual Fee
- Only 1 point per dollar on all other purchases is low.
- Lack of travel and purchase protections.
Alternatives to Wyndham Earner Plus
Now that you know about this credit card’s various benefits and pros and cons, it’s time to see its alternatives.
Chase Sapphire Preferred® Card
Better for Travel
- 5x Points on Travel Booked Via Chase
- 3x Points on Dining and Eligible Delivery Services
- 2x Points on All Other Travel Purchases
- 10% Anniversary Points Boost
- Trip Delay and Trip Cancellation Insurance
- Primary Rental Car Insurance
- $95 Annual Fee
For only $95 per year, this card earns 5x Chase Ultimate Rewards points on travel booked through the Chase Ultimate Rewards portal, 3x points on dining, online groceries, and streaming services, and 2x on all other travel purchases.
Cardholders will also get a 10% anniversary points bonus, a 12-month DoorDash DashPass subscription when activated by December 31, 2024, and a $50 anniversary hotel statement credit.
Plus, it provides extensive travel protections, including trip delay, primary rental car, baggage, and purchase protection plans.
Hilton Honors American Express Surpass® Card
If You Prefer Hilton Over Wyndham
- Earn 130,000 Hilton Honors Bonus Points after you spend $2,000 in your first 3 months of Card Membership.
- 12X Points at Hilton Hotels and Resorts
- 6X Points at U.S. Restaurants, U.S. Supermarkets, and U.S. Gas Stations
- Hilton Honors Gold Status
- 10 Complimentary Priority Pass Lounge Visits
- No Foreign Transaction Fees
- $95 Annual Fee (rates & fees)
The Hilton Honors American Express Surpass® Card (review) boasts great earning potential at Hilton properties and comes with complimentary Gold elite status, which features perks like space-available upgrades, better earnings, and free hot breakfast on Hilton stays.
For an affordable $95 fee, this rewards card earns:
- 12 points per dollar at Hilton Hotels and resorts;
- 6 points per dollar at U.S. restaurants, U.S. supermarkets, U.S. gas stations; and
- 3 points per dollar on all other eligible purchases.
You also receive a free weekend night reward after spending $15,000 per year and 10 complimentary lounge visits to Priority Pass lounges.
IHG One Rewards Premier Credit Card
If You Prefer IHG Hotels Resorts Over Wyndham
- 10x Points at IHG Hotels and Resorts
- 5x Points on Travel, Dining, and Gas
- 3x Points on All Other Purchases
- IHG Platinum Elite Status
- Anniversary Free Night
- 4th Night Free on Awards
- Baggage and Trip Interruption/Cancellation Insurance
- Purchase Protection for 120 Days
- $99 Annual Fee
The card_name (review) is the easiest shortcut to obtaining IHG Platinum elite status, which is a higher tier that offers a 60% points bonus, complimentary suite upgrades, milestone rewards, and late check-out.
The $99 annual fee is easy to recoup for IHG loyalists, as the card comes with a free anniversary hotel night at hotels costing 40,000 points or at least $125 per night plus a fourth night free that you can use to maximize the 140,000 welcome bonus points earned after spending $3,000.
The IHG Premier offers solid returns on spending, earning 10x points at IHG properties plus 10x points for your IHG Rewards membership and 6x points for having the Platinum Elite status for a total of 26x points on hotel stays, and 5x points on travel, gas, and dining.
This card has a wide array of protections, including trip cancellation, travel accident, baggage delay, purchase, and secondary rental car insurance.
Is the Wyndham Earner Plus Worth It?
The Wyndham Earner Plus is worth it if you stay at least several times per year at Wyndham Hotels. The 7,500 points helps offset the annual fee, but to make this card worth it, you need to take advantage of the Platinum Elite benefits.
If you prefer other hotel brands, here’s some good options: