Wyndham Rewards Earner® Card
The Earner fits road trippers and value travelers who sleep at Days Inn, La Quinta, Super 8 and other Hotels by Wyndham. It earns 5X points at Wyndham hotels and 3X on dining, grocery stores, gas and EV charging. Gold member level comes automatically, and cardmembers redeem 10% fewer points for go free awards. There is no annual fee; the anniversary bonus of 7,500 points requires $15,000 in yearly spend.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to 75,000 bonus points, enough for multiple go free award nights
- 5X at Hotels by Wyndham with no annual fee to earn back
- 3X on gas and EV charging, useful for the road trips Wyndham properties line
- Automatic Gold member level from day one
- 10% discount in points on go free award nights
- 0% introductory APR on balance transfers for 15 billing cycles
- Annual fee: $0
- Purchase APR: 19.49% - 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 October 26, 2026 and may change.
- You drive and stay at roadside brands like La Quinta, Days Inn or Microtel, where 15,000-point award nights are easy to earn.
- You want hotel perks without any annual fee commitment.
- You have a balance to move: the 15-billing-cycle 0% transfer window is rare on a hotel card.
- You should skip it if you prefer full-service hotels: Wyndham's footprint is strongest in economy and midscale brands.
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Your guess: 700
Approved at 670 to 739
Wyndham Rewards Earner® Card Review
The Earner is the free entry point to Wyndham Rewards, a program where most hotels cost a flat 15,000 points a night. This review looks at how the 5X rate, Gold status and the 10% award discount add up on a card with no fee.
How You Earn
Earning favors the road: hotels, gas and everyday basics.
- Wyndham Rewards member earning stacks on top of card points at stays
| Category | Earn rate |
|---|---|
| Hotels by Wyndham | 5X points per $1 |
| Dining, grocery, gas and EV charging, Vacation Club | 3X points per $1 |
| All other purchases | 1X point per $1 |
How You Redeem
Wyndham Rewards keeps redemption simple with flat-rate awards.
- go free award nights at a flat points rate at most properties
- Cardmembers redeem 10% fewer points per award night
- Points can also apply to Vacation Club stays and Points Payback options
Benefits and Protections
The card keeps a lean but useful benefit set.
- Automatic Gold member level with late checkout and preferred room selection where available
- $0 fraud liability protection on unauthorized charges
- 15% discount when buying Wyndham Rewards points
Who This Card Is For
This card is for budget-minded travelers who pass Wyndham properties on the highway more than they pass full-service resorts. With no fee, it earns its keep on a single award night a year. Travelers wanting richer status and credits should look one step up at the Earner Plus.
- Road trippers and value travelers
- Wyndham guests who want a first hotel card at $0
- Cardholders consolidating a balance transfer with a travel card
Comparison
| Feature | Wyndham Rewards Earner® Card | IHG One Rewards Traveler Credit Card | Marriott Bonvoy Bold® Credit Card |
|---|---|---|---|
| Annual Fee | $0 | $0 | $0 |
| Welcome Offer | Up to 75,000 points | 80,000 points after $2,000 in 3 months | 45,000 points after $1,000 in 3 months |
| Rewards Rate | 5X Wyndham, 3X dining, grocery, gas, 1X other | 5X IHG, 3X dining, utilities, gas, 2X other | 3X Marriott, 2X select everyday, 1X other |
| Intro APR | 0% on balance transfers, 15 billing cycles | N/A | N/A |
| Foreign Transaction Fee | None | None | None |
| Best For | Budget road trips | IHG award stays | Marriott status at $0 |
Issuer Comparison
| Feature | Wyndham Rewards Earner® Card | Wyndham Rewards Earner® Plus Card | Wyndham Rewards Earner® Premier Card |
|---|---|---|---|
| Annual Fee | $0 | $95 | $395 |
| Welcome Offer | Up to 75,000 points | Up to 100,000 points | Up to 120,000 points |
| Rewards Rate | 5X Wyndham, 3X dining, grocery, gas, 1X other | 6X Wyndham, 4X travel, dining, grocery, 1X other | 8X Wyndham, 4X travel, dining, grocery, 1X other |
| Key Credits | None | $50 meal delivery credit yearly | Over $400 in credits, Insider membership |
| Best For | No-fee entry | Frequent Wyndham stays | Wyndham heavy travelers |
Approval results for this card
12 results: 12 approved, 0 denied. Approval rate 100% of decided applications.
| Result | Score | Bureau | Income | State | Applied |
|---|---|---|---|---|---|
| Approved | 580 to 669 | TransUnion | $100k to $150k | AL | Nov 2025 |
| Approved | Under 580 | Equifax | $150k and above | TN | Jan 2024 |
| Approved | 670 to 739 | TransUnion | $25k to $50k | NY | Nov 2022 |
See all 12 results · Add your result
Reported by Banrox readers or cited from public data points, never issuer data. Not a prediction of your result. Ranges only.
