01 · overview
Annual fee
$0
No fee
Sign up bonus
75K pts
After $1,500 in 6 mo
Credits
7,500 points
2 credits
Median FICO
—
Approved
Median income
—
Approved
Our take
The no-fee entry to Wyndham's lineup: 5x at Hotels by Wyndham, 2x on dining, groceries, and gas, automatic Gold status, and a 10% discount on award-night redemptions, with no foreign transaction fee. Because Wyndham free nights cap out at a flat point cost, the value here can be very high for budget hotel stays. If you stay often, the $95 Plus (6x hotels, 4x on the bonus categories) earns enough more to justify its fee, but the base card is a reasonable keeper precisely because it costs nothing.
Welcome bonus
75K pts
After $1,500 in 6 mo
Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
Apply now02 · earn & credits
Earn rates & credits
Earn rates
| Category | Rate |
|---|---|
Hotels At Hotels by Wyndham | 5x |
Dining | 2x |
Groceries | 2x |
Gas | 2x |
Everything Else | 1x |
Statement credits
| Credit | Value |
|---|---|
Annual Spend Bonus 7,500 bonus Wyndham Rewards points each anniversary year when you spend $15,000 on eligible purchases, enough for up to one free night. | 7,500 points /yr |
Points Redemption Discount Redeem 10% fewer Wyndham Rewards points when you book free nights. | $10 |
| Total annual value | 7,500 points |
03 · card details
Card details
Regular APR | 19.24%–29.99% variable |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | None |
04 · approval odds
Approval odds
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05 · news