Wyndham Rewards Earner® Plus

Yes, if you stay with Wyndham often enough to use the card's hotel-specific value. The $95 annual fee is easier to justify than it may look because the card gives you 15,000 anniversary points each year, and that alone can outweigh the fee if you redeem Wyndham points well. The elevated earnings on Wyndham purchases, gas, dining, and groceries also make it more usable between trips than many hotel cards.

This is a weaker fit if you do not expect to stay with Wyndham regularly. The points are most valuable inside the Wyndham program, and the ongoing perks are tied closely to Wyndham stays and elite status. If you want flexible travel rewards or a card for all-purpose spending, you will likely get more practical value elsewhere.