Wyndham Rewards Earner Card evaluation: Full particulars

Wyndham Rewards Earner Card overview

The Wyndham Rewards Earner® Card is a no-annual-fee card from an underrated resort model with some properties that actually present outsize worth. You do not have to remain steadily at Wyndham properties to contemplate including this card to your pockets. It presents strong perks like computerized elite standing and first rate earnings on Wyndham stays and fuel. Card ranking*: ⭐⭐⭐

*Card ranking relies on the opinion of TPG’s editors and isn’t influenced by the cardboard issuer.

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Wyndham is not the primary title I consider in the case of motels, however the model has some terrific properties across the globe and a strong lineup of cobranded bank cards.

With no annual price, the Wyndham Rewards Earner Card is an entry-level bank card in Wyndham’s portfolio. Even in the event you do not steadily keep at Wyndham properties, you may nonetheless profit from the cardboard’s computerized elite standing, award redemption reductions and different advantages.

The really helpful credit score rating for this card is not less than 670. Nevertheless, it’s attainable to get permitted with a decrease rating.

Let us take a look at whether or not the Wyndham Rewards Earner Card must be in your pockets.

The data for the Wyndham Rewards Earner Card 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.

Wyndham Rewards Earner Card execs and cons

Wyndham Rewards Earner Card welcome provide

New candidates for the Wyndham Rewards Earner Card can earn 45,000 bonus factors after spending $2,000 on purchases inside the first 180 days. These factors can be utilized for as much as six free nights. This limited-time provide is out there by way of Jan. 8, 2025.

In keeping with TPG’s September 2024 valuations, these 45,000 bonus factors are price $495.

It is essential to notice that Barclays will be very inquiry-sensitive, so I like to recommend being underneath 6/24 earlier than making use of for this card. In different phrases, you should not have greater than 5 exhausting inquiries in your credit score report previously 24 months earlier than making use of for the Wyndham Rewards Earner Card.

Moreover, I like to recommend being at 0/6 earlier than making use of, as some reviews from Reddit customers point out that Barclays is delicate to very latest inquiries. That implies that, ideally, you should have no exhausting inquiries in your credit score report inside the previous six months.

It might not make the distinction between approval or rejection, however being at 0/6 and underneath 6/24 can elevate your odds for approval.

Associated: Tips on how to earn Wyndham factors on your subsequent redemption

Wyndham Rewards Earner Card advantages

The Wyndham Rewards Earner Card comes comes with computerized Wyndham Rewards Gold standing. This standing stage consists of perks like 10% bonus factors on stays, most well-liked room choice, free Wi-Fi and late checkout.

Wyndham Rewards Gold will be invaluable, particularly in the event you do not frequent Wyndham properties usually. Along with the automated Gold standing, the cardboard presents:

• A reduction on paid and award stays: Wyndham Rewards Earner Card members obtain a particular card member charge on paid stays and a ten% low cost on Go Free award stays.
• An annual factors bonus: Cardholders obtain 7,500 bonus factors (price $83 based mostly on TPG’s September 2024 valuations) after spending $15,000 on eligible purchases in an anniversary 12 months.
• $0 Fraud Legal responsibility Safety
• No overseas transaction charges

Whereas these advantages positively do not stack up towards a premium resort card just like the Hilton Honors American Categorical Aspire Card or the Marriott Bonvoy Sensible® American Categorical® Card, I view them as greater than ample for a card with no annual price.

The data for the Hilton Honors Amex Aspire card 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: The last word information to incomes and redeeming Wyndham Rewards

Incomes factors on the Wyndham Rewards Earner Card

The Wyndham Rewards Earner Card earns:

• 5 factors per greenback spent on Wyndham motels and fuel
• 2 factors per greenback spent on eating and at grocery shops (excludes Walmart and Goal)
• 1 level per greenback spent on all different purchases (excluding Wyndham Trip Membership down funds)

Do not forget that you will earn an additional 10% bonus factors from Gold standing on each Wyndham buy you make with this card. In keeping with TPG’s September 2024 valuations, this equates to a return on spend of 5.5% on Wyndham purchases and fuel, 2.2% on eating and groceries and 1.1% on all different purchases.

Associated: How to decide on a resort bank card

Redeeming factors on the Wyndham Rewards Earner Card

With the Wyndham Rewards Earner Card, you may redeem your factors for stays, airline tickets, occasion tickets and experiences, fuel, reward playing cards, merchandise, charitable donations, excursions and actions, and an AARP membership. I sometimes do not see this many redemption choices for resort rewards currencies, in order that’s a giant perk if you’d like versatile resort rewards.

I at all times suggest utilizing factors to ebook Wyndham resort stays, as that is probably the most invaluable option to redeem your factors.

Wyndham is among the few resort manufacturers that also makes use of a set award chart fairly than dynamic pricing, which means you may nonetheless get outsize worth. There aren’t any blackout dates for Wyndham properties.

Wyndham presents two forms of award redemptions: Go Free and Go Quick. Go Free makes use of factors to cowl the overall price of the room, and Go Quick makes use of a mix of factors and money. Cardholders will obtain a ten% low cost on all Wyndham Go Free resort redemptions.

Go Free award nights are priced in three tiers: 7,500, 15,000 and 30,000 factors per night time. Peak-season journey and upscale or luxurious properties will sometimes price 30,000 factors per night time.

Go Quick award nights are priced in three tiers, beginning at 1,500, 3,000 and 6,000 factors per night time plus money.

Katie Genter, a senior factors and miles author at TPG, was in a position to safe award stays for simply 7,500 factors per night time in Jeju, South Korea, and 15,000 factors per night time in Hawaii. She has additionally gotten wonderful worth redeeming for Vacasa stays.

You should utilize your factors to ebook a Wyndham Trip Membership keep beginning at 7,500 factors per bed room, per night time. You may as well use your factors to ebook Caesars Rewards properties, Vacasa trip leases, Landal GreenParks properties and reservations on cottages.com.

Caesars properties price 15,000 to 30,000 Wyndham Rewards factors per bed room, per night time. Sure blackout dates apply.

I need to word you can solely ebook Vacasa trip leases with Wyndham factors if the common nightly price, inclusive of all charges, is underneath $500. It prices you 15,000 factors per bed room, per night time for leases with a mean nightly charge underneath $250 and 30,000 factors per bed room, per night time for leases with a mean nightly charge between $250.01 and $500.

Moreover, Wyndham timeshare house owners can use factors to cowl upkeep charges by changing them to Upkeep {Dollars}.

Associated: Ebook low-end or luxurious motels to get the very best worth out of your factors

Transferring factors on the Wyndham Rewards Earner Card

Wyndham has a small however mighty record of airline switch companions. Though it has a formidable record of switch companions, you typically will obtain higher worth while you redeem your factors for Wyndham stays than when transferring them. Companions embody notable airways like Air Canada, Avianca, Turkish Airways and United Airways.

Factors are transferred at a 5:1 ratio, and it’s essential to switch not less than 6,000 factors. This equates to six,000 Wyndham factors, equaling 1,200 companion factors or miles.

Given this switch ratio, I strongly advise towards utilizing this as a redemption methodology until you must prime off your current factors or miles steadiness for an award ticket.

Associated: Must you switch resort factors to airline companions?

Which card competes with the Wyndham Rewards Earner Card?

The data for the Wyndham Rewards Earner Plus Card and the Wyndham Rewards Enterprise Earner Card 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.

For added choices, try our full record of the greatest resort bank cards and greatest journey rewards bank cards.

Is the Wyndham Rewards Earner Card price it?

Since this card has no annual price, I see it as simple to justify having, whether or not you keep at Wyndham motels steadily or not. It presents computerized Wyndham Gold standing, a terrific earnings charge on Wyndham stays and fuel, and a ten% low cost on all award redemptions. Nevertheless, in the event you keep extra steadily with Wyndham, I like to recommend wanting on the $75 annual price Wyndham Rewards Earner Plus Card as an alternative.

Backside line

The Wyndham Rewards Earner Card has no annual price, presents a terrific earnings charge and comes with computerized elite standing. It is sensible for vacationers no matter whether or not they keep steadily at Wyndham properties.

Plus, a strong welcome bonus might help enhance your Wyndham Rewards account steadiness. So, if you have not thought of opening a Wyndham bank card earlier than, I say now could be a greater time than ever.

Associated: Greatest resort rewards applications on the planet: Which one is best for you?