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Wyndham Rewards Earner® Card

Wyndham Rewards Earner(Registered Trademark) Card

Earn 30,000 bonus points

enough for up to 4 free nights2

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 30,000 bonus points, enough for up to 4 free nights at participating properties

    after spending $1,000 on purchases in the first 90 days. 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.3

  • 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.3

  • Redeem your points for free nights

    at participating Wyndham Rewards properties, online shopping, gift cards and so much more.4


  • 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

20.99%, 25.24% or 29.99% variable based on your creditworthiness.


Enjoy a 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases (see Terms and Conditions for details). After that, your APR will be 20.99%, 25.24% or 29.99%, 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: 20.99%, 25.24% or 29.99%, based on your creditworthiness. There is a fee for balance transfers.1

APR for cash advances

29.99% variable

Fee Summary

Annual fee


Balance transfer fee

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

Important Information