Wyndham Rewards Earner® Plus Card
The Earner Plus rewards travelers who keep coming back to Wyndham brands. It earns 6X points at Hotels by Wyndham and 4X on travel, dining and grocery purchases. New cardmembers hold Diamond member level for the first year, then Platinum. The 15,000-point anniversary bonus on its own covers a typical go free award night, which answers the $95 fee for anyone who stays at Wyndham at least once a year.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- 15,000 anniversary points, roughly one go free award night, every year the fee is paid
- Up to 100,000 bonus points for new cardmembers
- Diamond member level in year one: suite upgrades where available and other top-tier treatment
- 4X on travel, dining and groceries reaches beyond hotel stays
- Up to $50 a year back on meal delivery
- 10% points discount on go free award nights
- Annual fee: $95
- Purchase APR: 19.24% - 29.99% Variable, depending on the issuer's review of your application
- Intro purchase APR: none
- Intro balance transfer APR: 0% for the first 15 billing cycles on transfers made within 45 days of account opening
- Balance transfer fee: 5% of the amount of each transfer ($5 minimum)
- Cash advance APR: 29.99% Variable, with a fee of 5% of each advance ($10 minimum)
- Late payment fee: see the issuer's pricing and terms
- Foreign transaction fee: none
- Rates and offers verified on the issuer's website on August 27, 2026 and may change. See the issuer's pricing and terms for current details.
- You stay at Wyndham brands at least once or twice a year: the anniversary points effectively refund the fee in award nights.
- You want top-tier Diamond treatment in year one without earning it through stays.
- Your spending includes travel, dining and groceries, which all earn 4X here.
- You should skip it if your Wyndham stays are rare: the no-fee Earner keeps most of the earning without the $95 commitment.
Wyndham Rewards Earner® Plus Card Review
The Earner Plus is the middle card in the Wyndham lineup, and the anniversary points do most of the work. This review weighs the $95 fee against 15,000 yearly points, first-year Diamond status and the meal delivery credit.
How You Earn
Rates rise a notch over the base Earner across the board.
- Wyndham Rewards member earning stacks on top of card points at stays
| Category | Earn rate |
|---|---|
| Hotels by Wyndham | 6X points per $1 |
| Travel, dining, grocery, Vacation Club | 4X points per $1 |
| All other purchases | 1X point per $1 |
How You Redeem
Flat-rate go free awards keep the math simple.
- Most Wyndham properties price at a flat award rate, discounted 10% for cardmembers
- Anniversary points arrive after each annual fee payment and can bank toward stays
- Points Payback offers statement-credit redemption when nights are not needed
Benefits and Protections
Status and credits carry the value beyond earning.
- Diamond member level first year, Platinum thereafter
- Up to $25 in meal delivery statement credits every 6 months
- Complimentary Emerald Club Executive status with National Car Rental
- $0 fraud liability protection
Who This Card Is For
This card is for travelers who already give Wyndham a few nights a year and want the program to give back. The anniversary points nearly cover the fee by themselves. If your stays are occasional, start with the no-fee Earner; if you live on the road, the Premier tier adds larger credits.
- Wyndham regulars with recurring drive-to stays
- Travelers who value instant high-tier hotel status
- Households whose grocery and dining spend can work at 4X
Comparison
| Feature | Wyndham Rewards Earner® Plus Card | IHG One Rewards Premier Credit Card | Hilton Honors American Express Surpass® Card |
|---|---|---|---|
| Annual Fee | $95 | $99 | $150 |
| Welcome Offer | Up to 100,000 points | 140,000 points after $3,000 in 3 months | 130,000 points after $3,000 in 6 months |
| Rewards Rate | 6X Wyndham, 4X travel, dining, grocery, 1X other | 10X IHG, 5X travel, dining, gas, 3X other | 12X Hilton, 6X dining, groceries, gas, 3X other |
| Intro APR | 0% on balance transfers, 15 billing cycles | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Wyndham loyalty on a budget | IHG free night value | Hilton mid-tier earning |
Issuer Comparison
| Feature | Wyndham Rewards Earner® Plus Card | Wyndham Rewards Earner® Card | Wyndham Rewards Earner® Premier Card |
|---|---|---|---|
| Annual Fee | $95 | $0 | $395 |
| Welcome Offer | Up to 100,000 points | Up to 75,000 points | Up to 120,000 points |
| Rewards Rate | 6X Wyndham, 4X travel, dining, grocery, 1X other | 5X Wyndham, 3X dining, grocery, gas, 1X other | 8X Wyndham, 4X travel, dining, grocery, 1X other |
| Key Credits | $50 meal delivery credit yearly | None | Over $400 in credits, Insider membership |
| Best For | Frequent Wyndham stays | No-fee entry | Wyndham heavy travelers |
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Reader reports, not issuer data. Not a prediction of your result. Ranges only, reviewed before publishing.