Which bank card do you have to use for Wyndham stays?

Editor’s word: This can be a recurring submit, frequently up to date with new info and provides.

There’s a variety of resort choices within the Wyndham Rewards program — from budget-friendly motels like Days Inn and Tremendous 8 by way of Ramada and Tryp to upscale manufacturers like Wyndham Grand and Registry Assortment Resorts. That features Caesars Rewards places as effectively, due to its partnership with Wyndham.

With so many choices to select from, which bank card do you have to use to pay for a Wyndham Rewards resort: a Wyndham Rewards card or one thing else? Right here’s a better look.

Evaluating bank cards for a Wyndham resort keep

Except for utilizing a Wyndham cobranded bank card, you may also think about using a great journey rewards card that earns transferable factors. Let’s take a look at some frequent choices and what you possibly can get when utilizing these playing cards.

* Bonus worth is an estimated worth primarily based on TPG’s October 2024 valuations and never the cardboard issuer.

The data for the Wyndham Earner Enterprise, Wyndham Earner Plus, Wyndham Earner and Amex Inexperienced playing cards has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or offered by the cardboard issuer.

Associated: Which Wyndham Rewards bank card is best for you?

Which card do you have to use?

In lots of life’s decisions, you’ll be able to’t have every little thing you need on the similar time. Nevertheless, with Wyndham resort stays, that’s not essentially true. An important advantages given to you by having a Wyndham bank card don’t require you to really pay with that bank card to obtain the perk.

Advantages of getting a Wyndham bank card

In the event you maintain the Wyndham Earner Plus card, you’ll take pleasure in advantages like late checkout and room upgrades no matter what bank card you pay with throughout your keep.

Apparently, this even applies to the “cardmember discounted price” for saving cash on resort bookings. The phrases and circumstances of this profit don’t require you to pay with a Wyndham card to unlock the cardmember discounted charges.

You’ll be able to take pleasure in this profit so long as you might be logged in to your related account when reserving on-line or by offering your account quantity if reserving over the cellphone.

You’ll additionally take pleasure in different advantages with Wyndham Rewards no matter which card you employ to settle your remaining invoice. This consists of incomes bonus factors related along with your elite standing tier.

Members earn 10 factors per greenback, and elite members can earn 10%, 15% or 20% further factors, relying on their standing. This isn’t contingent on paying with a Wyndham bank card. You additionally don’t must pay with a Wyndham bank card to benefit from the decreased price on Go Free (free evening awards) redemptions; this profit permits cardholders to make use of 10% fewer factors on award stays.

Moreover, you’ll be able to take pleasure in a novel good thing about Wyndham Rewards: rollover nights. Right here’s how this works: You want 15 nights per yr to qualify for Platinum standing and 40 nights to qualify for Diamond.

In the event you keep 20 nights with Wyndham this yr, you’ve gotten 5 nights greater than you wanted for Platinum however not sufficient to achieve Diamond standing. These further nights will roll over into subsequent yr to provide you a head begin. This profit is on the market no matter the way you pay on your stays all year long.

What sort of factors do you need to earn?

In the event you maintain a Wyndham card, these advantages will apply no matter the way you pay, so the query turns into what sort of factors and what number of of them you need to earn.

Do you need to earn an 8.8% return on spending (in accordance with TPG’s October 2024 valuations) and are OK with factors that may solely be utilized in a technique (i.e., with Wyndham Rewards)? That is your path should you pay with the Wyndham Earner Enterprise card.

Or would you favor to earn a 5.4% return on spending with the Citi Strata Premier and have choices for how you can use your factors, together with transferring them to Wyndham for resort redemptions?

It’s additionally price declaring that you would be able to earn extra rewards by reserving by way of Chase Journey or Capital One Journey with the appropriate card. Nevertheless, you’ll probably forgo your standing perks and advantages, since these are thought-about third-party bookings.

Associated: 17 methods to earn Wyndham Rewards factors on your subsequent redemption 

Backside line

There are various resort bank cards and quite a few different journey rewards bank cards that you possibly can use to pay for an upcoming resort keep at a Wyndham property. Whether or not you’re staying at the most costly or most inexpensive resort within the Wyndham Rewards program, the way in which you earn factors and the perks accessible to you gained’t change.

Thus, the choice hinges on the kind of factors you need to earn — Wyndham Rewards factors or transferable factors — and the worth you assign to them.

Associated: It’s straightforward to earn Wyndham Diamond standing — right here’s how and why it’s best to care