Wyndham Rewards Earner Premier Card

• Welcome bonus up to 120,000 points: 90,000 after $6,000 spend in the first 120 days, plus 30,000 after $750 on Hotels by Wyndham in the first 180 days.
• The $395 fee is offset only if you use the credits: up to $120 meal delivery ($10 per month), up to $100 streaming, and up to $125 TSA PreCheck or Global Entry every four years. The streaming and TSA credits are set-and-forget; the meal credit is monthly use-it-or-lose-it.
• 25% off free nights is the deepest discount of any Wyndham card - a 30,000-point top-tier night drops to 22,500.
• Automatic Diamond (top published tier), complimentary Wyndham Rewards Insider, National Emerald Club Executive status, a 30,000-point anniversary bonus, and a free night each year after five nights (30,000 points).
• Points never expire while the card is open and in good standing - the only Wyndham card that removes the standard 4-year expiration.
• 4X on dining, grocery, and a broad travel category (gas, EV charging, air, car rental, rideshare, tolls, trains); 1X on all else. Grocery excludes Target and Walmart. Points are Wyndham-only, with no useful airline transfer out.

The Wyndham Rewards Earner Premier is Wyndham's first premium card, and it swings for frequent guests: 8X on Hotels by Wyndham, a 25% discount on free-night redemptions (the deepest in the lineup), automatic Diamond status, complimentary Wyndham Rewards Insider, and points that never expire while the card is open. The $395 annual fee is steep for a midscale hotel program, so it only pays off if you stay with Wyndham often and actually use the credits.