Premium Rewards Elite vs Wyndham Rewards Earner
Premium Rewards Elite
$550/yr
5.5/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Premium Rewards Elite charges $550/yr with 1X base rewards. Wyndham Rewards Earner charges no annual fee with 1X base rewards. Wyndham Rewards Earner offers better overall value for most spenders when comparing fees, rewards, and benefits side by side.
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Winner by Category
Annual Fees
Wyndham Rewards Earner
Lower annual fee ($550 vs $0)
Rewards Earning
Wyndham Rewards Earner
3 earning categories
Benefits & Protection
Premium Rewards Elite
0 benefits vs 0
Statement Credits
Premium Rewards Elite
$550 in annual credits
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $550 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Premium Rewards Elite wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium Rewards EliteRewards Earning: Detailed Comparison
Premium Rewards Elite
| Travel & dining | 2.0X |
| Everything else | 1.5X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |