Wyndham Credit Cards: Everything You Need to Know

Wyndham credit cards are a great option for travelers and rewards enthusiasts. They offer a range of benefits, including free nights at participating hotels.

These cards are issued by several banks, including Barclays and Chase. Barclays has been the primary issuer of Wyndham credit cards since 2006.

One of the main benefits of Wyndham credit cards is the ability to earn points towards free nights at thousands of hotels worldwide.

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Earning points with Wyndham Rewards is relatively straightforward, you'll earn 10 points for each dollar spent on qualifying nights, or 1,000 points - whichever is higher. You can also earn points by using the Wyndham credit cards, through limited-time offers, and promotions.

With the Wyndham Rewards Earner Card, you'll earn 5 points per dollar spent on Wyndham hotel purchases, while the Earner Plus Card offers 6 points per dollar spent. The Earner Business Card offers a higher earning rate of 8 points per dollar spent on Wyndham hotel purchases.

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Here's a breakdown of the earning rates on different purchases with the Wyndham credit cards:

Elite members can also earn bonus points, with 10% extra for Gold, 15% for Platinum, and 20% for Diamond members.

You can enjoy a range of benefits with Wyndham Rewards, regardless of which credit card you use to settle your final bill. This includes earning bonus points associated with your elite status tier, which can be a game-changer for frequent travelers.

Members earn 10 points per dollar, and elite members can earn 10%, 15% or 20% extra points, depending on their status. This means you can rack up points quickly and redeem them for free nights or other rewards.

You don't need to pay with a Wyndham credit card to take advantage of the reduced rate on Go Free (free night awards) redemptions; this benefit allows cardholders to use 10% fewer points on award stays. This can be a huge perk for those who want to maximize their rewards.

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Late checkout and room upgrades are also available to Wyndham Earner Plus cardholders, regardless of how you pay for your stay. This is a great way to make the most of your hotel experience and enjoy a bit of extra comfort.

The Wyndham Rewards program also offers a unique benefit called rollover nights. If you stay 20 nights with Wyndham this year, you'll have five nights more than you needed for Platinum status, but not enough to reach Diamond status. Those extra nights will roll over into next year to give you a head start.

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Earning Wyndham points is relatively straightforward. You'll earn 10 points for each dollar spent on qualifying nights, or 1,000 points - whichever is higher. If you stay one night at a property that costs $75, you'll earn 1,000 points.

Qualifying nights are paid nights with an average nightly rate of $25 or more per night. This means that if you stay at a budget-friendly property, you might not earn as many points as you would at a more expensive hotel.

Elite status members will also receive bonus points: 10% extra for Gold, 15% for Platinum, and 20% for Diamond members. This can add up quickly if you're a frequent traveler.

You can also earn points by using the Wyndham credit cards, through limited-time offers, and promotions like DoorDash orders and Avis car rentals. Points can also be purchased directly, but this is rarely a good value unless you're topping off points for a specific redemption.

Here's a breakdown of how you can earn points with Wyndham credit cards:

As you can see, the Wyndham Rewards Earner Plus Card offers a higher earning rate on Wyndham hotel purchases, but it also has a higher annual fee. The Wyndham Rewards Earner Business Card offers the highest earning rate, but it's also the most expensive option.

You can also earn points by transferring miles from other credit cards to Wyndham. For example, if you have a Capital One Venture Rewards Credit Card, you can transfer miles to Wyndham at a 1:1 ratio. This can be a good option if you already have a large balance of miles with Capital One.

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The introductory APR is not available for all types of purchases, so be mindful of the specific terms.

For example, the 0% APR for six months is only available for purchases made at Wyndham Timeshare.

You can't use the introductory APR on other purchases outside of Wyndham Timeshare, such as purchases made at other merchants.

Wyndham offers a refreshingly simple rewards redemption structure with three price points for each room: 7,500, 15,000, or 30,000 points per night.

Redeeming Wyndham points for hotel rooms is a straightforward process, with no dynamic pricing or peak season rewards to worry about.

You can redeem your Wyndham Rewards points for go free Award Nights, starting at 7,500 points per bedroom, and for go fast Discounted Nights, starting at 1,500 points per bedroom plus some cash.

The value of points may vary depending on how they are used, but it's typically worth one cent per point.

You can use your points for various other things, including charity donations, airline tickets, car rentals, airline miles or partner points, tours and activities, gift cards, and merchandise.

The key to getting the most out of your Wyndham credit card is to choose one that prioritizes your needs.

To maximize your rewards, consider what's important to you. If you want flexibility, point transfers, and a large bonus, the Chase Sapphire Preferred Card is a great option.

Here are some popular Wyndham credit cards that offer unique benefits:

Business travelers may want to consider the Ink Business Preferred Credit Card for bonus travel rewards and high-end perks.

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Elite status can be earned by staying enough nights at Wyndham properties within a calendar year, with the number of nights increasing as you move up the tiers. The Wyndham elite status program offers benefits to brand-loyal guests, like room upgrades and extra points-earning.

To earn elite status, you can choose from three elite tiers: Gold, Platinum, and Diamond. Each tier has its own requirements, with 3 qualifying nights required for Gold, 9 for Platinum, and 24 for Diamond.

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Here's a breakdown of the requirements for each tier:

Despite the high number of nights required for Diamond status, the benefits don't quite live up to expectations. Diamond status offers a 20% point earning bonus, late checkout, early check-in, Caesars Rewards status match, suite upgrades, a welcome amenity at check-in, and the ability to gift Gold status to a friend.

To maximize your rewards, you need to choose the right credit card for your needs. For instance, the Chase Sapphire Preferred Card offers flexibility, point transfers, and a large bonus, making it a top choice for many travelers.

The key is to prioritize what's most important to you, whether it's a large sign-up bonus, no annual fee, or high-end perks. Some of the best travel credit cards of 2025 include the Wells Fargo Autograph℠ Card with no annual fee, the Capital One Venture Rewards Credit Card for flat-rate travel rewards, and the Chase Sapphire Reserve for bonus travel rewards and high-end perks.

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To determine the value of your points, divide the cash value of a reward booking by the number of points required. For example, if a hotel room would cost $100 or 15,000 points + $10 in resort fees, the math would be ($100 – $10) / 15,000 = 0.006, or 0.6 cent per point.

Some credit cards offer more valuable points than others. According to NerdWallet, Wyndham Rewards points are worth 1.2 cents apiece, based on a recent analysis of cash prices and reward redemptions for hotel stays.

Here are some of the best travel credit cards of 2025, categorized by their strengths:

The Wyndham Rewards Earner Business Card has some fantastic features that can benefit your business. Automatic Diamond level status is one of them, which means you'll enjoy perks like suite upgrades, welcome amenities, late checkout, and free Wi-Fi.

With this card, you'll also get cardmember booking discounts for stays at participating Hotels by Wyndham, allowing you to save even more on your business trips. Plus, you'll earn automatic savings for qualifying purchases at selected merchants through Visa SavingsEdge.

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Here are some other benefits to consider:

As a business owner, it's essential to have a credit card that offers features that meet your needs. The Wyndham Rewards Earner Business Card has several benefits that can help you manage your business expenses effectively.

You can enjoy automatic Diamond level status with your Wyndham Rewards program membership, which comes with perks like suite upgrades, welcome amenities, late checkout, and free Wi-Fi.

The card offers exclusive cardmember discounts for stays at participating Hotels by Wyndham, making it a great option for frequent travelers.

You can also use 10% less Wyndham Rewards points when you redeem for go free awards, making it easier to book your stays.

Here are some of the key features of the Wyndham Rewards Earner Business Card:

Fees are a crucial aspect to consider when evaluating the overall value of a service.

The cost of using a premium feature is $9.99 per month, as mentioned in the article. This fee is in addition to the standard subscription fee of $4.99 per month.

The free trial period allows users to test the service without incurring any fees, but it's essential to note that this period is limited to 14 days.

Some features, like the advanced analytics tool, require a one-time payment of $49.99, which grants access to the feature for a year.

The APR (Annual Percentage Rate) is a crucial aspect of any credit product, and the Wyndham timeshare purchase is no exception.

The introductory APR is 0% for the first six billing cycles, which is a great perk for new owners.

Ongoing and balance transfers come with a variable APR of 20.74% to 29.74%, which adjusts with the prime rate. This means the rate can change over time, so it's essential to keep an eye on it.

A minimum interest charge of $1 applies, which can add up quickly if you're not paying off your balance in full each month.

Here's a breakdown of the APR ranges:

The cash advance APR is a bit steeper, coming in at 29.99% variable, which also adjusts with the prime rate.

Wyndham Rewards points have had their fair share of ups and downs over the years.

Historical Wyndham Rewards point values show that they were above their 2019 valuation after a slight dip during the pandemic.

The pandemic did have an impact on point values, but they've since recovered.