Wyndham has just overhauled its credit card lineup, launching a new premium card and tweaking benefits and annual fees across existing products. But for current Wyndham cardholders, the most important news is this: you’ll keep your existing card’s earning rates and perks for now, with the option to switch to the new lineup in the future.
Our Take
Good news for loyal Wyndham cardholders. Unlike many card refreshes that force everyone onto new terms, Wyndham is letting existing customers keep their current earnings and benefits. This means you can hang onto legacy perks or higher earning rates if they suit your travel style, and only migrate if the new cards offer more value for your needs.
What Changed
- Existing Wyndham cardholders keep their current earning rates and benefits (no forced migration)
- New Wyndham card lineup launched, including a premium card and changes to annual fees and earning categories
- Cardholders will have the option to migrate to the new products at a future date (timeline not yet announced)
- No changes to the no-annual-fee Earner card
Who Benefits Most
- Longtime Wyndham Earner+ or Earner Business holders: If you have a legacy card with a lower annual fee or more generous earning rates, you can continue to maximize those perks—potentially saving $50–$75/year versus the new lineup.
- Travelers who value old benefits: For example, if your current card offers anniversary points or elite status not matched by the new cards, you retain those perks. At our 0.65¢ per point valuation, a 15,000-point anniversary bonus is worth ~$98/year.
- Points optimizers: If your card earns 6x on gas or utilities and the new cards drop those categories, you keep the higher earning potential—worth hundreds of extra points annually for big spenders.
- Cardholders not ready for a higher annual fee: You avoid the increased costs until you choose to switch, keeping your out-of-pocket lower.
Who Should Be Cautious
- Those eyeing new premium benefits: If the new premium card offers perks (like airport lounge access or higher elite status) you want, you’ll need to migrate eventually to access them.
- Travelers who want the latest protections or insurances: New cards often add improved travel protections—if those matter to you, compare carefully before sticking with your legacy card.
- Anyone who rarely uses Wyndham: If you’re not maximizing your card’s perks, now is a good time to reassess whether to keep, upgrade, or downgrade.
What To Do Right Now
- Review your current Wyndham card’s earning rates and benefits—compare them to the new lineup.
- Calculate your annual value: multiply your typical points earned by 0.65¢ to see your real return.
- Watch for migration offers—Wyndham may incentivize switching in the coming months.
- Hold off on making changes until the migration process is announced, unless the new perks are a clear win for your travel style.
- If you’re considering a new Wyndham card, wait for the full details and possible new application bonuses.
