Is the Wyndham Rewards Earner® Plus Card Worth the $95 Annual Fee?
On rewards alone, the Wyndham Rewards Earner® Plus Card never out-earns the no-fee Hilton Honors American Express Card — its $95 fee has to be justified by credits and perks, not the earn rates.
Rates verified 2026-05-12.
Method: we compare what the Wyndham Rewards Earner® Plus Card earns against the best no-annual-fee card in the same category — the Hilton Honors American Express Card — because the alternative to paying a fee is not earning nothing, it is a good free card. Full methodology.
Three spending levels
| Profile | Wyndham Rewards Earner® Plus Card | Hilton Honors American Express Card | After the $95 fee |
|---|---|---|---|
| Light spender ($1,200/mo) | $317/yr | $542/yr | −$321 behind |
| Typical spender ($2,400/mo) | $634/yr | $1,082/yr | −$544 behind |
| Heavy spender ($4,500/mo) | $1,188/yr | $2,030/yr | −$937 behind |
The breakeven curve
| Monthly spend | Margin vs. Hilton Honors American Express Card (after fee) | Verdict |
|---|---|---|
| $500 | −$189 | keep the free card |
| $1,000 | −$282 | keep the free card |
| $1,500 | −$376 | keep the free card |
| $2,400 | −$544 | keep the free card |
| $3,500 | −$749 | keep the free card |
| $5,000 | −$1,030 | keep the free card |
| $7,500 | −$1,498 | keep the free card |
Caveats that can move this math: 6X on Wyndham. Statement credits and perks are not counted unless you would have spent that money anyway.