Wyndham Rewards Earner® Plus Card Review
Overview
The Wyndham Rewards Earner Plus adds stronger earning and a bigger welcome bonus over the free Wyndham card, for a modest $75 fee. If you stay at Wyndham enough, the higher earning rates and the discount on award nights can outweigh the small fee.
It is still a budget-program card, so the value is in cheap, flat-rate award nights rather than luxury, but for a frequent Wyndham guest, the Plus is a reasonable step up.
Think twice if: you stay at Wyndham only occasionally, since the free Earner card may be enough without the fee.
Our 3.0 out of 5 rating
Each score weighs the rewards rate, value after the annual fee, welcome offer, points flexibility, and perks, with every point valued at a flat 1 cent. This is our editorial assessment to help you compare cards, not a guarantee of approval or of the value you will get.
Rewards: how it earns
You earn 4x on gas, dining, and groceries, plus points at Wyndham, and a discount on the points cost of award nights. The 4x categories beat the free card, and combined with Wyndham's already-low award pricing, your points go a long way. Use it for the bonus categories and Wyndham stays.
| Category | Rate | Notes |
|---|---|---|
| Dining and restaurants | 4x | Bonus category |
| Groceries | 4x | Bonus category |
| Gas | 4x | Bonus category |
| Travel | 4x | Bonus category |
| Streaming | 1x | Base rate |
| Everything else | 1x | Everything else |
Brand and bonus rates: beyond the everyday categories above, this card also earns:
- 6x points on Hotels by Wyndham stays
Every point and mile above is valued at a flat 1 cent, the same honest standard we use for every card. Run your own spending through the calculator to see what this card would actually return for you.
Pros and cons
- 4x on gas, dining, and groceries
- Discount on Wyndham award nights
- Generous 100,000-point welcome bonus
- Low $75 fee
- Points locked to Wyndham
- Built for budget stays, not upscale travel
- Free Earner card may suffice for occasional guests
The welcome bonus
The welcome bonus is generous: up to 100,000 points after meeting the spending and Wyndham-stay requirements. That is a serious number of budget award nights.
Is it worth the annual fee?
The $75 fee is modest, and the higher earning plus the award-night discount can outweigh it for a regular Wyndham guest. If you only stay occasionally, though, the free Earner card gives you most of the benefit without the fee.
First-year value vs ongoing value
| Welcome bonus | Up to 100,000 points |
| To earn it | $1,000 in 90 days + $500 on Wyndham in 180 days |
| Est. first-year value* | $1,605 |
| Est. ongoing value / yr* | $605 |
The welcome bonus makes year one the high point: roughly $1,605 in value once you count the bonus, this card’s rewards, and its credits, minus the $75 fee. After that, the honest figure is about $605 a year, so judge whether it earns its keep on the ongoing number, not the first-year headline.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent, on average spending.
Benefits and protections
Beyond the rewards, the perks and protections worth knowing about include:
- Wyndham Rewards Diamond status the first year, then Platinum
- Anniversary bonus points and a discount on award-night redemptions
- $75 annual fee
Statement credits
This card does not come with recurring statement credits. Its value is in the rewards rate and welcome offer.
Who should get it, and who should skip it
If you stay at Wyndham often, the Earner Plus is a sensible upgrade, the 4x categories and the award-night discount can more than cover the small fee.
If your Wyndham stays are occasional, the free version is probably enough. Step up only if your usage justifies the fee.
Frequently asked questions
Best-card guides featuring this card
Offer details verified against issuer sources as of July 2026. Editorial opinions are our own. Cardocrat values all points at a flat 1 cent and never inflates redemptions.
