Breaking Points: Credit Card News

Wyndham Rewards Earner is offering 30,000 points after spending $1000 in 3 months, plus an additional 30,000 points by spending $500 at Hotels by Wyndham in 6 months. That’s up from their standard offer of 30,000 points with the same spending requirement. The card has no annual fee.

This elevated offer comes on the heels of Wyndham's recent card refresh. The Earner still earns 5x on Wyndham stays and now earns 3x on dining, grocery stores (excluding Walmart and Target), and Wyndham Vacation Club purchases. The downside is that the card no longer earns 5x on gas purchases, but the dining and grocery store mulipliers have increased from 2x. Existing cardholders will keep their current benefits, while the refreshed benefits apply only to new applicants.

Wyndham Rewards Earner Plus is offering 45,000 points after spending $1000 in 3 months, plus up to 55,000 additional points by spending $500 at Hotels by Wyndham within the first 6 months. That’s up from their standard offer of 45,000 points with the same spending requirement. The annual fee is $95.

This elevated offer comes on the heels of Wyndham's recent card refresh. The annual fee increased from $75 to $95, but the anniversary bonus also doubled from 7,500 to 15,000 points, more than offsetting the higher fee for most cardholders. New cardholders also receive Wyndham Diamond status for the first year, followed by Platinum status each year they renew the card, plus a $25 statement credit every six months on eligible food delivery purchases. Existing cardholders will keep their current benefits, while the refreshed benefits apply only to new applicants.

Wyndham Rewards Earner Business is offering 45,000 points after spending $3000 in 3 months, plus up to 55,000 points by spending $500 at Hotels by Wyndham within 6 months. That’s up from their standard offer of 45,000 points with the same spending requirement. The annual fee is $149.

This elevated offer comes on the heels of Wyndham's recent card refresh. The annual fee increased from $95 to $149, but we think the added benefits make the higher fee worthwhile for anyone who stays at Wyndham properties semi-regularly. The award stay discount doubled from 10% to 20%, and the card now includes a $65 annual wholesale club membership credit and a $50 annual accounting software credit. Existing cardholders will keep their current benefits, while the refreshed benefits apply only to new applicants.

Update: The easy Newegg gift card play described below is now dead, as Newegg has disabled gift card purchases through Paze. Alternative options still exist, but they require significantly more effort and may not be worth pursuing unless you were already planning a purchase.

Paze is offering $10 back on purchases of $10 or more, up to $100 back per eligible card. While many banks have cards that qualify, Chase cardholders can stack this promotion with the separate 10x Ultimate Rewards offer currently available when checking out through Paze with eligible Chase cards. One easy option is buying $10 gift cards from Newegg, which accepts Paze. Complete ten $10 purchases and you'll receive $100 back from the Paze promotion while also earning 1,000 Chase Ultimate Rewards points from the 10x offer. The deal becomes even more attractive if you purchase gift cards for merchants where you already receive additional value through card credits or other promotions, like Instacart and DoorDash.

Amex Membership Rewards is offering a 15% transfer bonus to Avianca LifeMiles. The standard transfer ratio is 1:1, so with the bonus, you’ll receive 1,150 Avianca LifeMiles for every 1,000 Amex Membership Rewards points transferred. Offer expires July 15, 2026.