by Daniel | Last Updated August 17th, 2022
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If you’re looking for an affordable hotel reward credit card that comes with a decent range of benefits and a sign-up bonus that can quite easily cover the cost of the annual fee then any of the cards in this review are worth considering.
In this article, I’m going to review and compare the Wyndham Rewards Earner card, Wyndham Rewards Earner+ card and the Wyndham Rewards Earner Business credit card.
So first of all, Who Are These Cards Good For?
Generally speaking these cards are good for anyone that is looking to get more value from their hotel stays throughout the year.
And the fact that Wyndham has over 9,000 hotels that spans over 22 different brands that are located in over 80 countries around the world, it shouldn’t be too hard to find some decent value with either of these cards.
Both of the personal cards are not expensive to maintain and are perfect for anybody that is new to credit cards or anyone that doesn’t want to spend fortune on a reward card.
All of the cards offer a generous sign-up bonus and points earning potential that make them good value and worth considering.
Annual Fee
Now when it comes to the annual fee, all of these credit cards are relatively inexpensive compared to a lot of other hotel reward credit cards.
The entry-level Wyndham Rewards Earner credit card has no annual fee which makes it good for anyone that is brand new to credit cards or someone that is not interested in spending money on an annual fee each year.
Next up, with the Wyndham Rewards Earner + credit card, the annual fee is $75, which works out to be just $6.25 a month.
And finally, with the Wyndham Rewards Earner Business credit card, the annual fee is $95, which works out at just over $7.90 each month.
So all of these credit cards are quite affordable, and as you will see in the next section of this review, they all offer a valuable sign up bonus that quite easily covers the cost of the annual fee.
Sign-up Bonus
Now for this section of the review, I’ll cover what the sign-up bonus is for each card and how much they actually differ.
Starting with the entry-level Wyndham Rewards Earner credit card it is possible to earn 45,000 points after spending $1,000 on purchases within the first 90 days of card ownership.
And with Wyndham points being valued at around 1 cent per point, this sign-up bonus is worth about $450.
Next up, with the Wyndham Rewards Earner + credit card, it is possible to earn 60,000 points if you can spend the same $1,000 within the first 90 days of card ownership.
So this sign-up bonus is worth approximately $600.
Finally, with the Wyndham Rewards Earner Business credit card it is possible to earn 75,000 points.
And this is split into two sections.
The first is the ability to earn 65,000 points after spending $2,000 on purchases within the first 90 days of card ownership.
Then it is possible to earn an additional 10,000 bonus points if there is a purchase made on an employee card within the same 90-day period of opening the account.
And this sign-up bonus is worth about $750.
So as you can see, all three of these cards offer a pretty decent sign-up bonus that easily covers the cost of the annual fee and then some.
Earning Points
Now when it comes to earning points, both of the personal credit cards have similar points earning potential, with the more expensive card offering slightly higher points earning potential.
Then the business card has a slightly different point earning structure than both the personal cards.
So starting first with the entry-level Wyndham Rewards Earner credit card it is possible to earn 5x points at hotels by Wyndham and at gas stations.
Then it is possible to earn 2x points at participating Club Wyndham, WorldMark by Wyndham, and Shell Vacations Club properties.
Purchases made at restaurants and grocery stores will also receive 2x points.
And then all other purchases earn 1 point per dollar spent.
Next up, with the Wyndham Rewards Earner + credit card, it is possible to earn 6x points for purchases made at Wyndham hotels and for gas station purchases.
Then it is possible to earn 4x points at participating Club Wyndham, WorldMark by Wyndham, and Shell Vacations Club properties.
Dining and grocery store purchases will also receive 4x points.
Then everything else will earn 1 point per dollar spent.
Finally, the Wyndham Rewards Earner Business credit card offers the following points earning potential.
8x points for purchases made at Hotels by Wyndham and at gas stations.
Then it is possible to earn 5x points on marketing, advertising, and utility purchases that include Google Ad Words, Facebook, and other digital advertising platforms.
Finally, everything else will earn 1 point per dollar spent.
Benefits and User Perks
So for the next section of this review, I’ll go over all of the benefits and perks that each card currently offers.
Starting first with the entry-level Wyndham Rewards Earner credit card it is possible to earn 7,500 bonus points that are worth about $75 each card anniversary year if you manage to spend at least $15,000 on the card throughout the year.
Then there is a complimentary Wyndham Rewards GOLD member level that has a few perks when staying at Wyndham hotels which include preferred room and late checkout.
Next up, with the Wyndham Rewards Earner + card, it is possible to receive the same 7,500 bonus points that are worth $75 each card anniversary year after paying the card renewal fee.
Basically, you won’t have to meet the $15,000 purchase threshold that is required with the entry-level card.
Then there is a complimentary Wyndham Rewards PLATINUM member level that includes early check-in and late check-out at Wyndham resorts and then Avis and Budget Car Rental Upgrades.
Finally, with the Wyndham Rewards Earner Business credit card it is possible to earn 15,000 bonus points worth $150 each card anniversary year.
There is access to complimentary employee cards.
Then it is possible to receive a Wyndham Rewards DIAMOND member level which includes all of the perks that the other tier levels provide and include Suite Upgrades and a welcome amenity at check-in.
Insurance Related Benefits
Now in terms of insurance-related coverage, there isn’t a whole lot that these cards offer, but to be fair, they are not exactly expansive credit cards in terms of the annual fee they charge.
With both of the personal credit cards, there is $0 Fraud Liability protection that covers any unauthorized charges that are made to your account.
Then with the Wyndham Rewards Earner Business credit card, there is a bit more coverage on offer.
First of all, there is cell phone protection that covers up to $600 per claim and $1,000 per card per 12-month period, with each claim incurring a $50 fee.
There is then Extended Warranty protection that provides one additional year on any eligible U.S. manufacturer’s warranty that are 3 years or less.
And just the same as the personal cards there is $0 Fraud Liability protection.
APR
So for the last part of this review, I’m just going to go over what the current APR is for these cards and what fees are associated with getting a cash advance or doing a balance transfer.
And both personal credit cards have the same APR and fees whereas the Business card is slightly different.
So starting first with the personal Wyndham Rewards Earner credit cards the APR for purchases and balance transfers is currently between 17.99%, 22.24%, or 27.24%.
For Balance transfers, there is a 0% introductory APR for 12 months if the balance transfer is done within 45 days of opening the account.
After this time period is up, a Balance transfer will revert back to the normal rate of between 17.99%, 22.24%, or 27.24%.
Now a balance transfer will incur a fee of either $5 or 5% of the amount of each transfer, basically whichever amount is more.
Getting a cash advance will have an APR of 27.49% and will also incur a fee of either $10 or 5% of the amount of each cash advance.
Any late payments or payments returned by your bank will incur a fee of up to $40.
And there are no foreign transaction fees associated with these cards.
Next up, with the Wyndham Rewards Earner Business credit card the APR for purchases and balance transfers is between 18.24%, 22.24%, or 27.24%.
There is a 0% promotional APR for 6 billing cycles for any qualifying Wyndham Timeshare Purchases.
Balance transfers can be anywhere from a minimum of $100 up to a maximum of $20,000 and must be from another business credit card account or other business-related expenses.
Any balance transfers will incur a fee of either $5 or 3% of the amount of each transfer, whichever amount ends up being more.
Getting a cash advance will have the same APR as the personal cards which is currently 27.49%, then there will be a fee of either $10 or 3% of the amount of each cash advance.
As for penalty fees, late payments for account balances of less than $250 will incur a fee of up to $19, and any account balance over $250 will incur a fee of $39.
Any returned payments will also incur a fee of $39
And just like the personal card, there are no foreign transaction fees.
Final thoughts
So that pretty much covers everything there is to know about these 3 credit cards.
And considering that they are are quite cheap on an annual basis, I think they all offer a decent amount of value.
Now in my option, either the Wyndham Rewards Earner + Credit it card or the Wyndham Rewards Earner Business credit card would be the best cards to choose between.
With the personal card offering a sign-up bonus worth around $600 and the business card offering up to $750, it is more than enough to offset the cost of the annual fee for quite a few years.
Also the points earning potential with both of these cards should see you earning a reasonable amount of points each year which can then be used towards receiving even more value.
Now if you’re looking for some more exclusive Hotel reward credit cards, check out this review here where I review and compare the Hilton Honors American Express Aspire Card, the World of Hyatt Credit Card and the Marriott Bonvoy Brilliant American Express Card.