This is the no annual fee entry point to Wyndham Rewards, and the pitch is simple: 5 points per dollar at Hotels by Wyndham, plus 3 points per dollar on dining and groceries, with no foreign transaction fee. The welcome offer is 75,000 points, structured as 30,000 after $1,000 in purchases in the first 90 days and 45,000 more after $500 at Hotels by Wyndham within 180 days, so you need an actual Wyndham stay to collect all of it. There is also a 15 month 0% intro APR on balance transfers, which is a reasonable side benefit but not the reason to apply. The tradeoffs are that the 5x rate is limited to Wyndham properties, the grocery category excludes Target and Walmart, everything else earns a flat 1 point per dollar, and the anniversary bonus of 7,500 points requires $15,000 of spending to trigger. Automatic Gold status and a 10% discount on award redemptions round it out: modest, but at $0 a year there is little to lose.
Earn rates & credits
| Category | Rate |
|---|---|
Hotels At Hotels by Wyndham | 5x |
Dining | 3x |
Groceries Excludes Target and Walmart; the 3x tier also covers eligible Wyndham Vacation Club purchases | 3x |
Everything Else | 1x |
| Benefit | 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 credits | 7,500 points |
Card details
Regular APR | 19.24%–29.99% variable |
Intro APR on balance transfers | 0% for 15 months |
Foreign transaction fee | None |