Wyndham Rewards Earner Premier Card

Rewards by category

Our take

Barclays relaunched this card in June 2026 as Wyndham's premium option, and the headline catch arrives with the fee: $395 a year, and the 90,000-point welcome bonus requires both $6,000 in purchases and paying that annual fee in full within the first 120 days. Miss the fee payment and the bonus is off the table — a string most issuers never attach.

The earn structure is the strongest in the Wyndham lineup: 8 points per $1 at participating Hotels by Wyndham — roughly 5.6% back at our conservative 0.7-cent point valuation — plus 4x on dining and at grocery stores, with Target and Walmart excluded. The travel bucket is where it gets unusual: Barclays defines qualifying travel by merchant category code to cover airfare, car rentals, rideshare, gas, EV charging, tolls and trains, so a chunk of ordinary driving costs earns the 4x rate.

The $395 fee buys ongoing perks rather than statement credits: Wyndham Rewards Diamond status, an annual points bonus with cardmember rate discounts at Wyndham properties, and no foreign transaction fees. Keep the point math honest, though — a Wyndham point runs about 0.7 cents, so 4x works out closer to 2.8% than 4%, and everything outside the bonus categories earns just 1x.

In your wallet, this is the card for Wyndham stays and for that MCC-defined travel bucket — gas, EV charging, tolls, rideshare and trains — where few competitors pay 4x. Against its $95 sibling, the Wyndham Earner Plus, the everyday categories are identical at 4x; the extra $300 buys 8x instead of 6x at Wyndham plus Diamond status, so the Premier only earns its keep if Wyndham hotels are a serious line item in your year. Otherwise the Plus does the same daily work for a quarter of the fee.

The math

Run $400 a month of dining through this card and you're earning about $134 a year at our conservative valuations. Against the $395 annual fee, that top rate needs roughly $4,125 a month of dining spend before it beats a no-fee flat 2% card.

Store bonuses

• Wyndham8x

Key benefits

• Wyndham Rewards Diamond status
• Annual points bonus and cardmember rate discounts at Wyndham properties
• No foreign transaction fees

Common questions

Does Wyndham Rewards Earner Premier Card have an annual fee?

Yes — $395 per year.

What does Wyndham Rewards Earner Premier Card earn on dining?

4x on dining.

What rewards does Wyndham Rewards Earner Premier Card earn on everything else?

1x on all other purchases, in Wyndham Rewards.

What's the catch with the 90,000-point welcome bonus?

Two conditions share the same 120-day window: you must spend $6,000 in purchases and pay the $395 annual fee in full. Most bonuses hinge on spend alone; here, leaving the fee unpaid within that window can cost you the entire 90,000 points, so settle that first statement early.

What counts as travel for the 4x rate?

Barclays defines qualifying travel by merchant category code, and the list is broader than most: airfare, car rentals, rideshare, gas stations, EV charging, tolls and trains all earn 4x. Anything outside that list — and outside dining, groceries and Wyndham stays — falls back to the card's 1x base rate.

Is the Premier worth $395 over the Wyndham Earner Plus?

Both cards earn 4x on the same everyday categories; the $300 difference buys 8x instead of 6x at Wyndham hotels plus Diamond status. On earn rate alone, at a 0.7-cent point value you would need roughly $21,000 a year in Wyndham stays to close the gap, so the annual points bonus, cardmember rate discounts and Diamond perks have to carry the case for most people.

Related reading

• How we value points and miles (and why our numbers are lower than everyone else's)SwipeCaddy ranks cards by reward rate × a conservative cash value per point: 1¢ for cash back and transferable points (Chase, Amex, Citi, Capital One, Bilt), 1.1–1.3¢ for airline miles, 0.4–1.4¢ for hotel points, and 0.8–0.9¢ for store currencies. Optimistic transfer values are recorded for context but never ranked, because most people never achieve them.