Best cards at Wyndham

Good to know at Wyndham

Wyndham takes cards on every major network, so the question is value, not acceptance. There is a new leader: the Wyndham Rewards Earner Premier Card, relaunched in June 2026 at $395 a year, earns 8x at participating Hotels by Wyndham, which our valuation puts near 5.6 percent back. That moves it ahead of its $95 sibling, the Wyndham Rewards Earner Plus Card at 6x (roughly 4.2 percent), which led this ranking until the relaunch — and both sit well clear of the free 3 percent tier held by the Costco Anywhere Visa Card by Citi and the Wells Fargo Autograph Card.

The ranking is the same whether you book online or pay at the front desk, but the fine print matters more than it used to. The 8x applies at participating Wyndham properties only — non-participating brands like Echo Suites Extended Stay drop to 1x — and the Premier's 90,000-point welcome bonus carries an unusual condition: on top of $6,000 in spending, you must pay the $395 annual fee in full within the same 120 days or the bonus is forfeit. And as always, don't compare hotel cards by multiplier alone: the IHG One Rewards Premier Credit Card advertises 5x that works out to roughly 2.5 percent back at our point valuations.

The Wyndham Rewards Earner Plus Card stays the sane, no-drama pick. Its $95 fee buys 6x at Wyndham, Diamond status for the first year, and a 100,000-point welcome bonus that is actually larger than the Premier's while requiring just $1,500 of total spending. The $300 step up to the Premier buys 2 extra points per dollar — about 1.4 percent — so on rate alone you'd need north of $20,000 a year at Wyndham before it pays for itself; ongoing Diamond status is the real reason to stretch. If neither co-brand appeals, the no-annual-fee 3 percent tier remains close enough for occasional stays.

The math

Spend $250 a month at Wyndham and Wyndham Rewards Earner Premier Card returns about $168 a year at our valuations — a flat 2% card returns $60.