Wyndham Rewards Earner Plus card assessment: Full particulars

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

Within the aggressive resort panorama, Wyndham is probably not the primary identify you consider, however they’ve some glorious resort choices and a household of cobranded bank cards to match.

With an annual price of $75, the Earner Plus card lands simply above the entry-level Wyndham Rewards Earner card. Even in the event you do not often keep at Wyndham properties, you’ll be able to nonetheless profit from the cardboard’s automated elite standing and award redemption reductions.

The really useful credit score rating for this card is at the least 670. Nonetheless, it’s potential to get authorised with a decrease rating.

Let’s look at whether or not the Wyndham Rewards Earner Plus card deserves a spot in your pockets.

The knowledge for the Wyndham Rewards Earner Plus card has been collected independently by The Factors Man. The cardboard particulars on this web page haven’t been reviewed or supplied by the cardboard issuer.

Wyndham Rewards Earner Plus Card welcome provide

New Wyndham Rewards Earner Plus candidates can earn 45,000 bonus factors after spending $1,000 on purchases within the first 90 days from account opening. That is sufficient factors for as much as 6 nights.

Based mostly on TPG’s January 2025 valuations, this bonus provide is price $495. Given how low the spending requirement is, it is a unbelievable worth for the variety of factors you may earn.

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We have beforehand seen a proposal on this card for 75,000 factors, so it might be price ready for the next provide if you do not have a deliberate Wyndham keep any time quickly.

It is essential to notice that Barclays could be inquiry-sensitive, so I like to recommend being beneath 6/24 earlier than making use of for this card. In different phrases, it is best to have 5 or fewer laborious inquiries in your credit score report up to now 24 months earlier than making use of for the Wyndham Rewards Earner Plus.

Associated: E-book low-end or luxurious resorts to get one of the best worth out of your factors

The Wyndham Rewards Earner Plus comes with automated Wyndham Platinum standing. This standing stage grants perks like free Wi-Fi, early check-in and late checkout, most well-liked room choice, bonus factors on stays and automobile rental upgrades at Avis and Finances.

Wyndham Rewards Platinum standing alone might simply be well worth the $75 annual price the cardboard holds. Along with the automated Platinum standing, the cardboard presents:

• Anniversary bonus factors: Earn 7,500 bonus factors every anniversary after you pay the annual price, price $83 in response to TPG’s January 2025 valuations
• Low cost on paid and award stays: Earner Plus cardmembers obtain entry to a particular cardmember price on stays paid with money and a ten% low cost on Go Free award stays
• No overseas transaction charges

Associated: The final word information to incomes and redeeming Wyndham Rewards

• 6 factors per greenback on Wyndham resorts and fuel
• 4 factors per greenback on eating and at grocery shops (excludes Walmart and Goal)
• 1 level on all different purchases (excluding Wyndham Trip Membership down funds)

Based mostly on TPG’s January 2025 valuations, these charges equate to a 6.6% return on Wyndham and fuel purchases, 4.4% on eating and grocery purchases and 1.1% on all different purchases.

These are nice earnings for Wyndham stays and fuel; nevertheless, some playing cards earn higher in on a regular basis classes, akin to eating at eating places and U.S. supermarkets, just like the American Specific® Gold Card (topic to spending caps).

With the Wyndham Earner Plus card, you’ll be able to redeem your factors for stays, fuel, airline tickets, tickets and experiences, present playing cards, merchandise, charitable donations, excursions and actions and AARP membership.

Probably the most precious strategy to redeem factors is for Wyndham resort stays.

Wyndham is among the few resort manufacturers that also makes use of a hard and fast award chart and never dynamic pricing, that means you’ll be able to nonetheless get outsize worth. There are not any blackout dates for Wyndham properties.

Wyndham presents two sorts of redemptions: Go Quick and Go Free. Go Free makes use of factors to guide the entire 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 evening. Increased-end properties and properties booked throughout peak-season journey will sometimes price 30,000 factors per evening.

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

TPG senior factors and miles author Katie Genter says, “[I’ve] used Wyndham factors for 15,000-point nights in Hawaii and seven,500-point nights in South Korea, together with on the attractive island of Jeju. I’ve additionally gotten glorious worth redeeming for Vacasa stays, though that is tougher to do now with the decrease cap on the typical price per bed room for 15,000-point nights.”

You can too use your factors to guide a Wyndham Trip Membership keep beginning at 7,500 factors per bed room per evening. As a cardholder, your factors can be used to guide Caesars Rewards properties, Vacasa trip leases, Landal GreenParks and reservations on Cottages.com.

Wyndham timeshare house owners can use factors to cowl upkeep charges by changing them to Upkeep {Dollars}. Caesars properties price 15,000 to 30,000 Wyndham factors per bed room per evening. Sure blackout dates apply.

Vacasa trip leases can solely be booked with Wyndham factors if the typical nightly price, inclusive of all charges, is beneath $500. You may pay 15,000 factors per bed room per evening for leases with a median nightly price beneath $250 and 30,000 factors per bed room per evening for leases with a median nightly price between $250.01 and $500.

Wyndham has a stable checklist of airline switch companions. Nonetheless, you usually obtain higher worth once you redeem your factors for Wyndham stays than once you switch them to companions.

Wyndham has 9 complete airline switch companions, together with Air Canada Aeroplan miles, Avianca LifeMiles, Frontier Airways Frontier Miles, Turkish Airways Miles&Smiles and United MileagePlus miles.

All factors are transferred at a 5:1 ratio; you should switch at the least 6,000 factors. This implies 6,000 Wyndham factors are equal to 1,200 accomplice factors. Given this switch ratio, I strongly advocate avoiding this as a redemption methodology.

Associated: Do you have to switch resort factors to airline companions?

• In the event you want no annual price: The Wyndham Rewards Earner® Card is the little brother of the Earner Plus and has no annual price. It presents perks like automated Wyndham Gold standing and earns 5 factors per greenback on Wyndham stays and fuel. You may nonetheless obtain reductions on award and money stays. To study extra, take a look at our full assessment of the Wyndham Rewards Earner card.
• In the event you want to earn versatile foreign money: The Capital One Enterprise Rewards Credit score Card earns at the least 2 miles per greenback on all purchases, comes with a International Entry/TSA PreCheck price credit score and has a $95 annual price (see charges and costs). Capital One miles could be transferred to Wyndham. To study extra, take a look at our full assessment of the Capital One Enterprise Rewards.
• In the event you want a enterprise card and better standing: The Wyndham Rewards Enterprise Earner® Card comes with complimentary Wyndham Diamond standing. The cardboard additionally earns 15,000 bonus factors after every cardmember anniversary and comes with reductions for award and money stays. To study extra, take a look at our full assessment of the Wyndham Enterprise Earner.

For extra choices, take a look at our full checklist of the finest resort bank cards.

The knowledge for the Wyndham Rewards Earner card and 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 supplied by the cardboard issuer.

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