Wyndham Rewards Earner Plus Card

• The 45,000-point welcome bonus (after $1,000 in 90 days) is up to 6 free nights — a strong haul, though "up to 6" assumes 7,500-point properties; pricier hotels run up to 30,000/bedroom.
• Worth it over the $0 base Earner if you stay with Wyndham more than occasionally: the $75 buys 6x (vs 5x) on Wyndham + gas, automatic Platinum (vs Gold), and the 7,500 anniversary bonus with NO spend requirement — the free base card makes you spend $15,000 for that same 7,500.
• Automatic Platinum adds early check-in and car-rental upgrades on top of Gold's perks — just for holding the card.
• It's a Wyndham-only currency: points redeem for Go Free nights at a flat 7,500 / 15,000 / 30,000 per bedroom, with no useful airline transfer.
• The 4x dining/grocery EXCLUDES Target and Walmart — if that's your grocery store, the 4x is mostly decorative.
• NO travel, rental, cell-phone, or purchase insurance despite the $75 fee (just $0 fraud liability), and no lounge access — you're paying for earn rate + Platinum, not protections.

The Wyndham Rewards Earner Plus is a solid mid-tier hotel card for Wyndham loyalists — automatic Platinum status, a 10% points discount on free-night redemptions, and a 7,500-point anniversary bonus sweeten the $75 annual fee. The 6x on gas is a sneaky-good everyday multiplier for road warriors who love stopping at La Quinta.