Wyndham Rewards Earner® Premier Card Review

Overview

The Wyndham Rewards Earner® Premier Card is a category rewards card from Barclays, running on the Visa network. The Wyndham Rewards Earner® Premier Card earns up to 4x on dining, groceries, and gas, so it pays you the most exactly where you already spend. It carries a $395 annual fee, so the real question is whether its rewards, credits, and perks clear that bar for the way you spend. New cardholders can earn Up to 120,000 points after $6,000 in 120 days + $750 on Wyndham in 180 days.

It sits at the premium end of the market, trading a steep annual fee for lounge access, statement credits, and travel protections. That makes the decision less about the rewards rate and more about whether you will use the perks enough to come out ahead.

Our 4.5 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

Where the Wyndham Rewards Earner® Premier Card earns its rewards is its bonus categories: 4x on dining (about $120 a year on the $3,000 a typical household spends there), 4x on groceries (about $240 a year on the $6,000 a typical household spends there), and 4x on gas (about $86 a year on the $2,160 a typical household spends there). Across a full year of average household spending, the card returns roughly $680 in rewards before any welcome bonus, so the more your spending overlaps those categories, the better it does.

Brand and bonus rates: beyond the everyday categories above, this card also earns:

• 8x 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

The welcome bonus

The current welcome offer is Up to 120,000 points, earned after you spend $6,000 in 120 days + $750 on Wyndham in 180 days. Valued honestly at a flat 1 cent per point, that is worth about $1,200. Stacking the welcome offer on top of a typical year of rewards and accounting for the $395 annual fee, the first year is worth roughly $1,485.

Is the annual fee worth it?

To come out ahead on the Wyndham Rewards Earner® Premier Card you need to clear its $395 annual fee. On typical spending it earns about $680 a year in rewards, and it carries up to $220 in statement credits. For anyone who spends in its categories, the fee is easy to justify.

Benefits and protections

Beyond the rewards, the perks and protections worth knowing about include:

• Top-tier Wyndham Rewards Diamond status
• $100 annual Wyndham hotel credit after $100 in Wyndham spend
• Up to $120 per year in meal delivery credits ($10 per month)
• Complimentary Wyndham Rewards Insider membership and points that never expire
• $395 annual fee

Statement credits

• $100 annual Hotels by Wyndham statement credit (after $100 in Wyndham spend)
• $120 annual meal delivery statement credit ($10 per month)

Who should get it, and who should skip it

It is best for regular guests of this hotel brand who will use the free anniversary night and elite status to more than cover the annual fee.

Skip it if you will not use the lounge access and annual credits, or if you would rather not float a high fee and chase reimbursements every year.

Frequently asked questions

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