Extra Card: The Debit Solution for Better Credit

Wyndham Rewards Introduces U.S. Debit Card — Earn Hotel Points Every Time You Spend

About  Wyndham Rewards Debit Card
Wyndham Rewards has launched a new debit card aimed at U.S. consumers who prefer to avoid credit cards but still want travel perks. The card is issued by Sunrise Banks, N.A., FDIC-insured, and operates on the Mastercard network. Banking services are handled via Sunrise Banks, while the rewards side is part of Wyndham’s loyalty program.

Quick Overview

• Launch date / Purpose: Introduced in March 2025, the Wyndham Rewards Debit Card is designed for those who favor debit over credit, younger spenders, and people who want to earn hotel loyalty rewards without a credit card.
• Welcome bonus: Earn 2,500 bonus points if you make at least two recurring direct deposits and spend $100 in net purchases within the first 90 days of account opening.
• Points earning structure:
  • 1 point per $1 spent at Hotels by Wyndham, and on qualifying gas and grocery purchases.
  • 1 point per $2 spent on all other eligible purchases.
• Anniversary bonus: Up to 7,500 bonus points each card anniversary year, depending on your annual net purchases.
• Fees & conditions:
  • $6 monthly fee — this fee is waived if you maintain an average monthly balance of at least $2,500.
  • No ATM surcharges when using ATMs in the Cirrus network. For out-of-network ATMs, there may still be fees.
• Other perks:
  • Complimentary Wyndham Rewards Gold membership status, which includes benefits like preferred room selection, late checkout, etc.
  • Discounted rates when booking at participating Wyndham Hotels as a cardmember.

Direct Link To Offer

The Wyndham Debit Card That Turns Everyday Purchases Into Hotel Stays

Key Features

Feature	What It Means
Minimum Balance to Waive Fee	Keep $2,500 average monthly balance to avoid the $6 monthly fee. If you can’t maintain that, you’ll pay the fee.
Bonus Timeline	Welcome bonus requires completion of both direct deposits and minimum spend within first 90 days.
Point Redemption	Points can be used for Wyndham free nights, discounted nights, etc., subject to standard program restrictions.
FDIC Insurance	Funds in the account are insured up to $250,000 via Sunrise Banks, N.A.

Is this offer profitable for the customer ?

• Yes, it can be — under certain conditions. If you are someone who maintains around $2,500 in the account (thus waiving the monthly fee), uses the card regularly for groceries, gas, Wyndham hotel stays, etc., and values the perks that come with Wyndham Gold status, you’ll earn meaningful benefits.
• However, there are trade-offs. The point earnings are modest (especially 1 point per $2 on non-hotel/grocery/gas purchases). If you don’t keep the required balance, the monthly fee eats into rewards. Also, compared to Wyndham’s credit card options, the credit cards offer higher earning rates and more benefits in many cases (but come with credit checks, potential interest, etc.). If you can handle a credit card responsibly and want more rewards, one of Wyndham’s credit cards might still deliver more value.

Review

So, for debit-only users or those trying to avoid credit, this is a solid offer. For heavy spenders or those who want maximum rewards, a credit card might still deliver more value.