Earn 5X at Wyndham hotels with no annual fee and automatic Gold status

Wyndham Rewards Earner Visa Card: Calculator & Hotel Points Guide

Fees

Earning Rates

Earn 5X points at Wyndham hotel brands and at gas stations.
Earn 2X points on dining and grocery.
Earn 2X points on all other Wyndham purchases.
Earn 1X point on all other purchases.

Main Benefits

Discounts on bookings
10% point discount on go free awards
Complimentary Wyndham Gold status
7,500 anniversary points when you spend $15K on the card

Our Take

The Wyndham Rewards Earner Visa Card is not a bad option if you're looking to earn a good return on Wyndham and gas station purchases at no annual fee.

Last Updated: 04-07-2025

Wyndham Earner Visa Points Calculator

Use this calculator to estimate how many Wyndham Rewards® points you’ll earn with the Earner Card based on your monthly spend. This no-annual-fee option is great for casual travelers—factor in bonus categories and Gold status to assess overall value.

Quick Card Overview

Calculator Options

Add Card Categories

When On, adding a card to the calculator will add that card's bonus categories if they aren't already present.

Change Card Name

Name the card something else for your own records.

Add To Column

Edit Card Name

Set the name of the card to something of your choosing. Leave it blank to default back to normal card name.

Quick Assign

Use quick assign to quickly toggle this card on for Spend Categories in the calculator. If the card is already assigned, toggling off will set the category to No Selection.

Any currencies you add to the tool will be selectable when entering spend into the Spend Categories section of the calculator.

Do note that any foreign currencies selected will automatically be converted to the card's default currency when calculating rewards.

You can add elite status to one or more columns. This allows you to calculate the extra points you would receive from having status with that program.

If the status is already added, you can update the currency the status is based on by specifying a different currency than what the one in the calculator already has.

NOTE: Elite status is automatically added to the calculator for most credit cards that grant it.

Statuses

Add To Column

Status Value Based On

Clears all spend from a single column or all columns in the calculator. This resets the spend to 0 (zero) for each field, sets the time unit back to 'Monthly' and resets the currency to column's default.

Remove all credit card selections from a single column or all columns in the calculator.

^*NOTE: This has no impact on columns that feature only one credit card.

If you're looking to quickly assign cards to multiple categories, click on the card itself under the Credit Cards section.

Removes all categories from the Spend Categories section (for all columns).

Category:

Spend:

Select the card you will use for this category.

Do note that the order of the categories in the Category Spending section makes a difference. Spend is calculate by month in order of categories listed.

No Selection

Apply the selected card to all categories in this column.

Credit Cards

Search Cards

Search through our credit card database by keyword. This is the most basic of searches. Keywords include:

Credit card name (e.g. Chase Sapphire Reserve, American Express Gold Card)
Credit card code (e.g. PLAT, CSR, VEN)
Issuing bank (e.g. American Express, Chase, U.S. Bank)
Currency (e.g. Membership Rewards Points, Altitude Points, Delta SkyMiles)
Network (e.g. Visa, Mastercard, Discover)

Enter spaces between keywords. Click on a card to view the details as well as the option to add it to the tool.

Show Unavailable Cards

When On, credit cards that are discontinued or currently unavailable will show up in the list.

Credit Card Codes

Enter credit card codes (3-13 characters each).

Use (+) plus sign to add multiple cards to the same column. (e.g. PLAT + PRG2)
Use (,) comma to start a new column. (e.g. PLAT + PRG2, BINKP, CSR + CSP)
Skip columns with empty entries (,,). (e.g. ,, PRG2)
Spaces are ignored.
Max: 10 columns. No max on cards in a column... at the moment.

New cards will be added to the tool along with any already existing entries. When adding more than one card to a column, there will be no selected cards for the column (as in, you will have to select which cards you'll use for each category manually).

(I apologize in advance for some of the codes these credit cards have.)

Not Found:

Add All Categories

When On, adds all the spend categories from each of the cards above.

Welcome To Our Credit Card Calculator Tool

Use this tool to calculate total credit card earnings and the overall cash value of credit cards side-by-side.

To get started, to the calculator.

Currency Worth

Memberships / Loyalty

Spend Categories

Add Categories

Search for categories and click 'Add Category' to add selected categories to the calculator.

Show selected categories

When On, only shows currently selected categories.

Show category descriptions

When On, shows the descriptions for each of the categories.

Bonus Rewards

Total Rewards

Monetary Bonuses

Fees

Total Column Value

Breakdown By Card

Wyndham Rewards Earner Visa Card Details

Earning Rates

The Wyndham Rewards Earner Card earns Wyndham Rewards points at the following rates:

5 Wyndham points per $1 spent at Wyndham properties and gas stations.
2 Wyndham points per $1 spent on dining and grocery.
2 Wyndham points per $1 spent on all other Wyndham purchases which includes Club Wyndham, WorldMark by Wyndham, Shell Vacations Club, and both maintenance fee payments and timeshare loan payments related to Wyndham.
1 Wyndham point per $1 spent on all other purchases.

Rewards Value & Calculator

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Key Benefits

Here are the main benefits of the Wyndham Rewards Earner Card:

Gold Status: Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like free WiFi, preferred room selection, late checkout, and more.
Annual Point Bonus: Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year.
Booking Discount: Wyndham Rewards Earner Cardmembers can save even more with the Best Available Rate at participating Hotels by Wyndham.
Save Points On Redemptions: Redeem 10% fewer Wyndham Rewards points for go free® awards, so you earn your free nights faster.

Transfer Partners & Conversion Calculator

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Fees

Annual Fee

The Wyndham Rewards Earner Card has no annual fee.

Authorized User Fee

There is no fee to add authorized users to the Wyndham Rewards Earner Card.

Foreign Transaction Fee

The Wyndham Rewards Earned Card has a 0% foreign transaction fee. This means you will not be penalized when using the card outside of the United States.