Wyndham has become the first major hotel loyalty program to offer a debit card option. The Wyndham Rewards Debit Card, launched on March 17, 2025, provides a rewards-earning alternative for travelers who prefer debit cards.
Wyndham Debit Card Details
The card comes with the following features:
- $6 monthly fee, waived with $2,500 average monthly balance.
- Complimentary Wyndham Rewards Gold status.
- 1 point per dollar on Wyndham hotel stays, gas, and groceries.
- 1 point per $2 spent on all other qualifying purchases.
- Welcome bonus of 2,500 points after making two direct deposits and spending $100 in the first 90 days.
- Annual bonus points based on spending: 2,500 points ($5,000-$9,999), 5,000 points ($10,000-$14,999), or 7,500 points ($15,000+).
- No credit check required.
- Waived ATM fees at Mastercard/Cirrus network ATMs.
The Verdict
Personally, I’m going to pass on this card. While the Wyndham Rewards Debit Card offers an option for travelers who prefer debit over credit, the numbers just don’t add up for me. That $2,500 minimum balance to waive the monthly fee sits in a non-interest-bearing account when it could generate about $100 annually in a high-yield savings account.
The earning rates fall significantly short compared to Wyndham’s credit card offerings. The no-annual-fee Wyndham Rewards Earner Card provides 5x points at Wyndham hotels and on gas, making it a much more lucrative option if you qualify.
This card might work for those who can’t get approved for credit cards, but I suspect many people in that situation would struggle to maintain the $2,500 average balance needed to avoid the $6 monthly fee. With Wyndham points worth about 1 cent each, you’ll need to carefully calculate whether the potential rewards justify keeping your money in a non-interest-bearing account versus other available financial options.
