Is the Wyndham Rewards Earner Plus Card worth $95/yr?

The honest math on the Wyndham Rewards Earner Plus Card: which credits you'd actually use, what its points earn beyond a plain 2% card, and what its protections would cost to buy — against the $95 annual fee.

Barclays · $95 annual fee · earns Wyndham Rewards points

Earning rates

6x Hotels by Wyndham
4x Restaurants
4x Grocery stores
4x Airfare
4x Car rentals & trains
4x Tolls & ride-shares
4x Gas & EV charging
4x Club Wyndham / WorldMark / Shell Vacations Club purchases
1x Everything else

Statement credits (1)

Anniversary Bonus Points — 15,000 Wyndham Rewards points each account anniversary year after your annual fee posts.

Certificates (1)

Free Night After 5 Nights Stayed — A free night worth up to 15,000 Wyndham Rewards points after you stay 5 or more nights at Hotels by Wyndham in a calendar year.

Protections and perks (7)

Wyndham Diamond (Year 1), then Platinum — Automatic Wyndham Rewards Diamond status for your first cardmember year, stepping down to automatic Platinum status every year after.
No Foreign Transaction Fees — No surcharge on purchases abroad.
Trip Cancellation / Interruption — Up to $1,500 per covered person for trip cancellation, and up to $1,500 per covered person for trip interruption, on prepaid non-refundable travel charged to the card.
Baggage Delay Insurance — Up to $100 a day (up to 3 days) for essentials when checked baggage is delayed more than 4 hours.
Travel Accident Insurance — Accidental death & dismemberment coverage while riding as a passenger on a common carrier, when the fare is charged to the card.
Auto Rental Collision Damage Waiver — Coverage for theft of or collision damage to a rental car, up to its actual cash value, on rentals of up to 31 consecutive days paid with the card.
Extended Warranty — Doubles the manufacturer's US warranty by up to one extra year on eligible warranties of 3 years or less.

Card data verified against Barclays on 2026-08-23.

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