Wyndham Rewards Earner® Plus Card vs Wyndham Rewards Earner® Premier Card
Side-by-side comparison
| Wyndham Rewards Earner® Plus Card | Wyndham Rewards Earner® Premier Card | |
|---|---|---|
| Annual fee | $75 | $395 |
| Welcome offer | Up to 100,000 points | Up to 120,000 points |
| Dining | 4x | 4x |
| Groceries | 4x | 4x |
| Gas | 4x | 4x |
| Travel | 4x | 4x |
| Streaming | 1x | 1x |
| Everything else | 1x | 1x |
| Est. yearly rewards* | $680 | $680 |
| Points type | Locked to Wyndham Rewards | Locked to Wyndham Rewards |
| Network | Visa | Visa |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Wyndham Rewards Earner® Plus Card | Wyndham Rewards Earner® Premier Card |
|---|---|---|
| Welcome bonus | Up to 100,000 points | Up to 120,000 points |
| To earn it | $1,000 in 90 days + $500 on Wyndham in 180 days | $6,000 in 120 days + $750 on Wyndham in 180 days |
| Est. first-year value* | $1,605 | $1,705 |
| Est. ongoing value / yr* | $605 | $505 |
This one splits by time horizon. In year one the Wyndham Rewards Earner® Premier Card is ahead by roughly $100, thanks largely to its welcome offer. But the Wyndham Rewards Earner® Plus Card earns more every year after, so if you keep it, it overtakes the Wyndham Rewards Earner® Premier Card after about 2 years. Chasing the sign-up bonus and open to canceling before the second annual fee? Take the Wyndham Rewards Earner® Premier Card. Planning to keep it for years? The Wyndham Rewards Earner® Plus Card pulls ahead.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Wyndham Rewards Earner® Plus Card | Wyndham Rewards Earner® Premier Card |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | ~$220/yr (2 credits) |
| Points & redemptions | Locked to a single program | Locked to a single program |
On perks and redemptions, the Wyndham Rewards Earner® Premier Card carries the heavier credit stack (about $220 a year). Weigh those against the fee, since credits and lounge access only count if you will actually use them.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Wyndham Rewards Earner® Plus Card earns about $680 a year in rewards and the Wyndham Rewards Earner® Premier Card about $680, valuing every point at a flat 1 cent. The Wyndham Rewards Earner® Plus Card charges $75, which you clear through its rewards and perks. The Wyndham Rewards Earner® Premier Card charges $395, but carries about $220 in annual statement credits that offset it for anyone who uses them. Counting rewards, fees, and any credits, the Wyndham Rewards Earner® Plus Card delivers more total value, about $210 a year more for a typical spender, mostly because it skips the annual fee the other charges. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use. On the sign-up bonus, the Wyndham Rewards Earner® Premier Card currently has the larger welcome offer. A welcome bonus is a one-time event, so weigh it apart from the ongoing rewards.