Wyndham Rewards Card (No Fee) - Wyndham Point Calculator

Wyndham Rewards (Gold) Card

3X Wyndham
3X La Quinta
2X Gas Station
2X Utilities
2X Grocery Stores
Wyndham Gold Status

Calculate total Wyndham Points and the cash value of the no annual fee Wyndham Rewards Card based on monthly/yearly spend and the card benefits.

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The Wyndham Rewards Gold Card offers several perks that would benefit anyone staying at Wyndham Hotels but comes up short when compared to it's annual fee counterpart, the Wyndham Rewards Platinum Card. The Platinum version offers a 6,000 Wyndham Point bonus annually worth $72 since Wyndham Points are worth 1.2 cents. The annual fee of the Wyndham Rewards Platinum is $75 which means you'll end up with a true annual fee of around $3. If you stay at Wyndham a few times a year, your best bet is to go with the card that earns you more Wyndham Rewards Points.

Bonus Categories

The Wyndham Rewards Gold features four bonus categories which are Wyndham Purchases, gas, utility, and grocery store purchases. There is not limit to the amount of Wyndham Rewards Points you can earn spending in these categories. Below is a breakdown of each bonus category.

3x Wyndham Properties

The Wyndham Rewards Gold earns 3 Wyndham Rewards Points per $1 spent on Wyndham Properties. This includes Wyndham Hotels & Resorts, North American vacation properties, on-property spend, and maintenance fees for timeshare properties. This is equal to a 3.6% return which is a little under par compared to other no-annual fee credit cards such as the Choice Privileges Card (5% return) and Hilton Honors Card (4.2% return). If you're really looking to earn Wyndham Rewards Points, I would recommend grabbing up the Wyndham Rewards Platinum since it earns a 6% return on Wyndham Properties.

3x La Quinta Inn

Due to the merging of Wyndham and La Quinta, the Wyndham Rewards Platinum earns 3 Wyndham Rewards Points per $1 spent at La Quinta brand hotels. This is a great benefit for anyone that stays at La Quinta Inn that still wants to earn Wyndham Rewards Points. Just remember that both programs aren't yet merged entirely and that La Quinta properties are not qualified stays and therefore do not yet earn Wyndham Rewards points with the Wyndham Rewards Loyalty Program. So while you will earn Wyndham Rewards Points using the card, you will earn La Quinta Returns Points for the actual stay.

2x Gas Station

Spending on gas with the Wyndham Rewards Gold earns 2 Wyndham Rewards Points per $1 spent. The 2x bonus will only apply to merchants whose primary job is to offer gas. This will include gas stations such as Exxon, Hess, Speedway, and BP. Using the Wyndham Rewards Gold in this category will earn you a 2.4% return which is okay if you're looking to earn Wyndham Rewards Points, but it can be beat with several no-annual fee cash back cards. Some excellent gas cards consist of the PNC Cash Rewards Card (4% cash back) and Bank of America Cash Rewards (3% cash back). Depending on how much you spend on gas, you can earn Wyndham Rewards nights faster by earning a higher rate of cash back with those cards and using the rewards to cover Wyndham Purchases.

2x Utility

Using your Wyndham Rewards Gold to pay for your utilities will earn you 2 Wyndham Rewards Points per $1 spent. Gas, water, and electric bills are some of the purchases that fall under this category. This is not a common bonus category in the credit card world, so this is good return if you're looking to earn Wyndham Rewards Points.

2x Grocery

The Wyndham Rewards Gold earns 2 Wyndham Rewards Points per $1 spent on grocery purchases. This includes supermarkets, but not super stores and warehouses. Vons, Meijer, Winn Dixie, and Publix are some examples of grocery stores that qualify for this bonus. Places such as Target and Walmart will not apply for the double Wyndham Points.

This card provides the same return of 2.4% which is on the low side. The AMEX Blue Cash Everyday earns a slightly higher rate of 3% cash back. If you want to bump it up a notch and don't mind paying an annual fee, you can go for the AMEX Blue Cash Preferred which earns 6% cash back on up to $6,000 in grocery purchases.

1x Non Category

Purchases outside of the categories listed above will earn you 1 Wyndham Rewards Points per $1 spent. I would not recommend putting non-category spend on this card unless you're a few points away from earning a redemption. Non-category spend should be placed on higher earning cards such as the Capital One Quicksilver (1.5% cash back) or Citi Double Cash (2% cash back).

Perks and Benefits

Wyndham Rewards Gold Status

Holders of the Wyndham Rewards Gold will receive complimentary Wyndham Rewards Gold Status. This is uaully obtained after staying 5 nights at Wyndham Properties. Gold status comes with free Wifi, a preferred room at check-in, late check-out, and more. Other no-annual fee cards that offer status are the Choice Privileges Card (Gold Status) and the Hilton Honors Card (Silver Status).

Sign Up Bonus

The standard Wyndham Rewards Gold sign up bonus is 15,000 bonus points after the first purchase. Wyndham points are worth about 1.2 cents each so this is equal to about $180 which isn't bad for not having a spend goal.

Credit Card Fees

Annual Fee
Authorized User Fee
Foreign Transaction Fee

Annual Fee

The Wyndham Rewards Gold card does not have an annual fee. You will always be earning Wyndham Points at maximum value assuming no interest is accumulated using the card.

Authorized User Fee

There is no fee on the Wyndham Rewards Gold for adding authorized users. If you have friends or family that spend in these bonus categories often and you're looking to earn Wyndham Rewards Points, I would recommend adding them.

Foreign Transaction Fee

The Wyndham Rewards Gold does not have a foreign transaction fee. This means you will not be penalized for spending out of country with this card.

and Card Value Calculator

You can use this rewards calculator to calculate how many points, miles, or cash back you can earn based on your spend per category. This calculator will also give you the dollar value of the card based on rewards earned and how much each benefit is worth to you minus the fees. You can click the Compare A Card button to compare this card against another card in the same calculator.

All category spend entered in the primary card's column will carry over to all credit card pages on the site so you don't have to re-enter the same information over again.

Credit Card
This calculator will calculate the cash value of the selected credit card(s) based on spend, benefits, and fees. You can compare this card against any another rewards card side-by-side by clicking on the Compare A Card button.
Compare A Card
Compare A Card
Select a card from the list below to compare it side by side against this card. You can search by card name (e.g. chase sapphire reserve, uber visa) or by rewards program (e.g. thankyou points, membership rewards points).
Currency Worth
This is the cash value of points and miles used in these calculations. You can click on the amount to change the value or you can select View Rewards As to calculate your rewards when transferred to partners.
View Rewards As...
0 Cent(s)
View Rewards As...
This section allows you to view your rewards as if you transferred them to a partner. Select a transfer partner below and the calculator will alter the calculator to reflect the transfer ratio and the reward currency of the receiving program. This only applies to the currency of the selected card. Not all programs have transfer partners. I also do not have the cash value of points and miles for all transfer partners.
Edit Value
Enter the cash value of these rewards in cents per point/mile. You can enter the value as X.XX cents or 0.0XXX cents. The maximum value allowed is 15 cents ($0.15) and the minimal value is 0.1 cents ($0.001).
Loyalty/Rewards Programs
Covers hotel loyalty status, status with bank rewards programs, and few others. These are added automatically based on card selection, but can be manually added as well.
/ Loyalty Programs
Add/Remove Loyalty Programs
Select which loyalty programs you want to include in the calculations. You will be able to select your status with the program and it will calculate additional points/bonuses based on what you enter in the calculator.
Loyalty Programs
Other Bonuses
All card card specific bonuses will be listed here. These are added automatically based on the selected card(s).
Categories Spending
Enter how much you spend in each category listed. You can click on the amount to edit the value. You can use +/- Categories to add and remove categories from the list and Options to copy spend between columns and clear all spend.
/ Categories
Add/Remove Categories
Select which categories you want to appear in this calculator. You can search categories by typing in a keyword below. De-selecting categories will remove them from this calculator. Categories are changed once you hit 'Update'.
Currently Selected:
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Clear Spend
This will clear the spend in all of the categories in both columns. This will also clear all saved values.
Copy Spend
Copy Right will take the spend from the left column and copy it to the right column. Copy Left will take the spend from the right column and copy it to the left column. The spend amount ($) and unit of time (month, day, quarter) will be copied over.
Reward Bonuses
This section holds sign up bonuses, loyalty bonuses, and bonus bonuses. Most bonuses here will be listed automatically based on certain criteria. You can click 'Extra Bonus' if you wish to enter your own bonus amount.
Extra Bonus
Any additional bonuses you wish to add such as a sign up bonus or point bonus for adding authorized users
Total Earnings
Sum of all rewards above this line.
Cash Value of Earnings
Based off of currency worth.
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Monetary Bonuses/Perks
This is a list of cash perks and bonuses associated with the selected card(s). Some perks will be listed here automatically. You can click on 'Perk Bonus' if you want to add additional value for the card.
Perk Bonus
Enter how much you value any unmentioned perks this card offers.
Annual Fees
This section contains the annual fee and authorized user fee (if applicable) to hold on to the listed card(s).
Edit Fees
Edit the annual fee and authorized user fee of the Card (if applicable).
Annual Fee: -
Auth Fee: -
Grand Total
The total estimated value you can get out of this card and the amount of return for your spend.
Total Card Value
The value of the card when everything is taken into account.
Total Return
The percent you are earning per dollar spent on this card.

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Page Last Updated: 2019-12-27

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About These Calculators: These calculators are provided to help you estimate the value of points, miles, and cash back you can earn with various rewards programs and using reward earning credit cards. These calculators are meant to provide an estimate of rewards earned and are not meant to reflect the exact amount of points you may receive. Be sure to read the terms and conditions of any credit card before you apply as benefit and perk changes may not be reflected immediately on this website.

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