Wyndham Rewards Earner Premier Card

Earn rates · how we got this

See how it ranks: best dining cards · best groceries cards · best travel cards · best gas cards.

Signup bonus: 90,000 points after $6,000 in 4 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. 90,000 after $6,000 in the first 120 days, plus 30,000 after $750 at Hotels by Wyndham in the first 180 days (up to 120,000 total); we count only the spend-anywhere tier Bonus figure confirmed on the issuer's page 2026-09-14.

Statement credits — $625/yr on paper · how we got this

Monthly and quarterly credits expire if unused — that's where most of their printed value quietly disappears.

Non-cash perks

• Automatic Wyndham Rewards Diamond elite status (program's top published tier)
• 25% fewer points required for standard award-night redemptions
• Complimentary Wyndham Rewards Insider membership (approx. $95 value)
• National Car Rental Emerald Club Executive status
• TSA PreCheck or Global Entry application fee statement credit, up to $125, once every four years
• Points never expire (first Wyndham co-brand card with this feature; other Wyndham cards' points expire after 18 months of inactivity / 4 years max)
• Access to Points Payback: redeem Wyndham points for statement credits toward eligible purchases

Does the fee earn out? · how we got this

The printed statement credits ($625/yr) cover the $395 fee on paper — if you'd spend that way anyway. Credits you have to remember, enroll in, or change behavior for are worth less than face value. Our app tracks each one against your actual charges.

Is this $395 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. three things on this card rule out a kind of spender:

• Anyone who doesn't spend at Wyndham. Its largest printed rate, 8x on hotels, pays only at Wyndham. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
• Anyone who won't work the statement credits. The $395 fee is argued for by $625 of printed credits, spread across 5 separate credits, 1 of them monthly or quarterly — an unused month is gone, not banked, and 1 that must be enrolled in before it pays. Each one only pays if you were going to spend that way anyway; ignore them and the whole $395 has to come back through earn rates instead.
• Spending outside its bonus categories. Everything else earns 1x, worth about 0.6¢ per dollar at our value for Wyndham Rewards — less than the 1¢ a plain cash-back card pays on the same dollar. This card only wins where its bonus categories do.

Compared head-to-head

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• Wyndham Rewards Earner Premier Card vs Capital One Venture X — which earns more?
• Wyndham Rewards Earner Premier Card vs AAA Daily Advantage Visa Signature — which earns more?
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