Premium Rewards vs Wyndham Rewards Earner
Premium Rewards
$95/yr
7.5/10
VS
Wyndham Rewards Earner
$0/yr
7.0/10
Quick Answer
Premium Rewards charges $95/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 ($95 vs $0)
Rewards Earning
Premium Rewards
3 earning categories
Benefits & Protection
Premium Rewards
5 benefits vs 0
Flexibility
Tie
Both cards have similar redemption flexibility
OUR PICK
Wyndham Rewards Earner wins for most people
The $95 fee difference is hard to justify unless you maximize premium benefits.
Apply for Wyndham Rewards EarnerPREMIUM PICK
Premium Rewards wins for heavy spenders
If you can offset the higher fee with credits and perks, this card delivers more value.
Apply for Premium RewardsRewards Earning: Detailed Comparison
Premium Rewards
| Travel purchases | 2.0X |
| Dining | 2.0X |
| Everything else | 1.5X |
Wyndham Rewards Earner
| Wyndham hotel & resorts | 5.0X |
| Gas stations & restaurants | 2.0X |
| Everything else | 1.0X |
Card Benefits: Detailed Comparison
Premium Rewards (5 benefits)
- Trip Cancellation and Interruption Insurance (up to $2,500)
- Trip Delay Reimbursement
- Auto Rental Collision Damage Waiver
- Purchase Protection (up to $1,000)
- Extended Warranty
Wyndham Rewards Earner (0 benefits)
No benefits data available