Wyndham Rewards Earner Plus Review 2026
Wyndham Earner Plus is useful for travelers who frequent Wyndham hotels, Vacasa-style redemptions or road-trip properties. Anniversary points can offset the fee if redeemed well.
Your card estimate
Net first-year value
First year
+$1,105
Base rewards + bonus - fee - interest drag
Ongoing year
+$205
Excludes one-time welcome offer
This card’s headline rate applies to bonus categories, not all spend. The figures above use a conservative $300 base; maxing the bonus categories could earn up to $1,800 in rewards.
SwitchWize take
Intro APR planning card
Bonus value
$900
Rewards
6x points
Annual fee
$95
APR
15mo 0%
Pros & cons
- Anniversary points can offset fee
- Strong gas and grocery earning
- No foreign transaction fee
- Intro balance transfer offer
- Wyndham footprint is less premium
- Some perks are niche
- Best bonus requires Wyndham spend
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
Product card image shown
$95 annual fee
19.24%-29.99% variable
Spend requirement: $1,000 in first 3 months and $500 at Hotels by Wyndham in first 6 months
Citi terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
The intro window is 15 months. Plan the payoff before the standard APR starts.
Wyndham footprint is less premium
Comparison set