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Most people think of Marriott and Hilton when they think of large-scale hotel chains. The world's largest hotel franchising company is Wyndham Hotels & Resorts, which has more than 9000 hotels in over 90 countries.

The claim that you're about 10 minutes from a hotel by Wyndham is substantiated by the fact that the company has 22 brands. Along with locations worldwide and an impressive portfolio of budget and midscale brands, the Wyndham Rewards loyalty program offers a straightforward way to redeem points at thousands of hotels, vacation club resorts and vacation rentals around the world.

The refresh of the co branded credit card lineup was announced in 2020. It was the first credit card created for small businesses.

The points guy collected the information for the business card. The card issuer did not review or provide the card details on this page.

You might be wondering which card is best for you. You can make the right decision based on your spending habits and travel goals by looking at the differences between them.

Wyndham credit cards

Wyndham Rewards Earner® Card

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If you spend $1,000 in the first 90 days, you'll get 30,000 bonus points.

The earning rate is 5 points per dollar on eligible hotels, 2 points per dollar on gas station purchases, and 1 point per dollar on all other purchases.

Free wi-fi, preferred room selection, and late checkout are included in the benefits. You can earn bonus points after spending $15,000 on eligible purchases. There is a discount on redemptions for free nights.

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There is an annual fee.

The no-annual-fee card may provide you with useful benefits while you're at the hotel. It earns 2 points per dollar at grocery stores and dining establishments, and 5 points per dollar at gas stations, but only if you spend at least 5 dollars.

The welcome offer of up to 30,000 bonus points can be used to cover multiple hotel nights on your next vacation. The sign-up bonus from a no-annual-fee hotel card is worth $320).

The no-annual-fee Wyndham rewards earner card is ideal for people who rarely stay at a Wyndham hotel. There is more value to be had with the Wyndham rewards card if you spend a lot of time at the properties.

The official application link is for theWyndham rewards card.

Wyndham Rewards Earner® Plus Card

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If you spend $1,000 in the first 90 days, you'll get 45,000 bonus points.

You can earn 6 points per dollar on eligible hotels purchases, 4 points per dollar on dining and grocery store purchases, and 1 point per dollar on all other purchases.

All of the benefits of Gold status plus early check-in, car rental upgrades with Avis and Budget, and Caesars rewards status match are included in the Platinum status. There is no spending requirement for cardholders to receive bonus points.

The fee is every year.

If you stay at any of the hotels that are part of the Wyndham group, you may be able to take advantage of the Wyndham rewards earner card. Platinum status gives you perks such as early check-in, car rental upgrades and a 10% discount when you redeem points for free nights.

The annual fee is offset by the automatic 7,500 point bonus each anniversary year. Even if you only spend a few nights a year at a Wyndham hotel, the higher elite status, improved earning rates on everyday purchases and superior welcome offer make the Wyndham rewards card worth considering.

The link for the application is official.

Wyndham Rewards Earner® Business Card

JOHN GRIBBEN/THE POINTS GUY

If you spend $2,000 in the first 90 days, you'll get a bonus of 45,000 bonus points.

There is an earning rate of 8 points per dollar on purchases at Hotels by Wyndham, 5 points per dollar on marketing, advertising and utilities, and 1 point per dollar on all other purchases.

All the perks of Platinum plus suite upgrades, a welcome amenity at check-in and the ability to gift gold status to a family member or friend are included in the benefits. There is no spending requirement for cardholders who receive 15000 points each year. If you use the card to pay your wireless bill, you must have cell phone insurance.

The fee is every year.

The business version of the Wyndham rewards earner card is a great card for travelers who stay at hotels by Wyndham a few times a year. This card has two unique features that make it stand out from the others.

Small business owners can earn 5 points for every dollar they spend on utilities. Telecommunications services, cable, satellite, electric, gas, heating oil and water are included in the definition of utility purchases. Electricity and water are bonuses that are designed for your bills at home.

There are two distinctions between the personal cards and the business cards. If you break your phone or it's stolen, this benefit can save you up to $600. The business card is hard to pass up if you are a small-business owner who wants to join the rewards program.

The sign-up bonus is worth almost half a million dollars.

The information for the business card has been collected by a third party. The card issuer did not review or provide the card details on this page.

How to use Wyndham Rewards points

There are a lot of ways to earn and redeem your points. You can convert your points into miles with your airline partners. The most value can be found in the redemption of points for hotel reservations at more than 9000 hotels around the world. Hotel stays are the best use of Wyndham rewards points.

There is a guide to earning and redemption with the Wyndham rewards.

The free night tiers are 7,500, 15,000 and 30,000 points. There are award nights for Timeshare properties. It's important to keep in mind that the price of the timeshare is per bedroom per night. A one-bedroom unit costs 15000 points per night. A two bedroom unit costs 30,000 points per night.

Cash and points can be used to redeem for nights. If you want to stay at a property that costs 15,000 points per night but doesn't have enough points in your account, you can use 3000 points and a reduced cash amount. If you are short on points, you can transfer your Capital One miles or Citi ThankYou points to another rewards program. Booking a more expensive hotel can be done this way.

Wyndham Rewards allows you to redeem points for standard free nights or use a combination of cash and points. WYNDHAM

The go fast awards are 1,500, 3,000 or 6,000 points and have a copay. The amount of cash you pay depends on the property and the room rate. If you redeem your points for hotel stays, you will receive a 10% discount, regardless of which card you have.

A standard free night award starts at 6,750 points. Though hotel stays will deliver the best value,Wyndham rewards points can be redeemed in a variety of ways.

Some of the best properties to book with points.

Which card comes out on top?

If you are averse to annual fees and are a novice to hotel rewards, the no-annual-fee Wyndham rewards earner card is a good choice. The card has a welcome offer of up to 30,000 bonus points that can be used to cover up to four free nights at one of the many brands. A starter card with that value is worth a lot.

If you want a more rewarding card, the Wyndham rewards earner plus card has better earning rates, higher elite status, and more benefits in exchange for a $75 annual fee.

The card with the most to offer might be the business version of the personalWyndham rewards card.

There is an elevated earning structure with 8 points per dollar on gas purchases and a unique utilities bonus category that awards 5 points per dollar on common office or household expenses. Adding top-tier Diamond elite status, 15,000 anniversary bonus points with no spending requirement and a 10% discount on award redemptions makes the business version a serious contender for a hotel co branded card.

Bottom line

You should consider these three credit cards if you frequent the hotel brands by Wyndham. Up to 45,000 bonus points can be earned with the current sign-up bonuses.

All cards have a valuable sign-up bonus which can be used for multiple free night rewards at the many Wyndham properties.

Every variation of the Wyndham card has a higher points-earning structure, complimentary elite status, no foreign transaction fees, and a 10% discount when redeemed for free nights.

If you don't plan to visit the properties often, consider an alternative travel card such as the Capital One Venture rewards credit card.

The official application link is for the Wyndham rewards earner card.

The additional reporting was done by Emily Thompson and others.