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Wyndham Rewards Earner® Card

Wyndham Rewards Earner Card

Limited-Time Offer: Earn up to 60,000 bonus points

Enough for up to 8 free nights2,3

Earn 5 points

per $1 spent on Hotels by Wyndham and gas3    

Earn 2 points

per $1 spent on dining and grocery store purchases3    


annual fee1    


  • Earn up to 60,000 bonus points—enough for up to 8 free nights at participating properties

    Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days, plus earn an additional 15,000 bonus points after spending a total of $2,000 in the first 6 months. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.2,3

  • Earn 5 points per $1 spent    

    on eligible purchases made at Hotels by Wyndham as well as on qualifying gas purchases.3

  • Earn 2 points per $1 spent

    on eligible dining and grocery store purchases (excluding Target® and Walmart®).3

  • Earn 1 point per $1 spent

    on all other purchases (excluding Wyndham Timeshare resort down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation!3    

  • Annual Bonus

    Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that’s enough for up to one free night at participating properties.2,3

  • Automatic GOLD Level Benefits!

    Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like free WiFi, preferred room selection, late checkout, and more.3 See details

  • Enjoy a Cardmember Booking Discount

    Wyndham Rewards Earner Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham.4

  • Unlimited Earning

    There is no limit to the number of points you can earn.

  • go free® Faster

    Redeem 10% fewer Wyndham Rewards points for go free® awards.5

  • Redeem your points for free nights

    at participating Wyndham Rewards properties, online shopping, gift cards and so much more.6


  • Contactless Technology

    Use Tap to Pay for faster, easier, contactless purchasing.    

  • Chip Technology

    so paying for your purchases is more secure at chip-card terminals in the US and abroad.

  • $0 Fraud Liability protection

    You’re not responsible for charges you did not authorize.

  • No foreign transaction fees

    on international purchases.1

Interest Rates and Charges Summary

APR for purchases

15.74%, 19.99% or 24.99% variable based on your creditworthiness.


0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases (see Terms and Conditions for details). After that, your APR will be 15.74%, 19.99% or 24.99%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.

APR for balance transfers

Enjoy a 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply: 15.74%, 19.99%, or 24.99%, based on your creditworthiness. There is a fee for balance transfers.1

APR for cash advances

25.24% variable

Fee Summary

Annual fee


Balance transfer fee

Either $5 or 3% of the amount of each transfer, whichever is greater.

Important Information