The launch of the new Wyndham debit rewards card, powered by Galileo Financial Technologies, signals a shift in how loyalty and financial inclusion converge. In a conversation with PYMNTS.com’s Karen Webster, Galileo CEO Derek White discussed how this offering meets modern consumer preferences, helps brands better connect with their audiences, and sets the stage for a new rewards ecosystem built around debit usage.
How debit rewards cards are revolutionizing loyalty programs
At the heart of the launch is an underserved population: 45 million Americans lack established credit, and many of them rely heavily on debit cards for everyday purchases. Despite this, they’ve historically been left out of traditional rewards programs tied to credit cards.
“90% of Americans have a debit card,” White noted. “They're making point-of-sale decisions with debit, but they’re not earning rewards. That disconnect represents a major opportunity—for consumers, for brands like Wyndham, and for the ecosystem.”
Galileo’s platform bridges that gap by connecting consumers, brands, and sponsor banks into a single technology-powered ecosystem that enables seamless debit-based rewards offerings.
Why Wyndham pioneered debit-based travel rewards
Wyndham Hotels & Resorts is a global brand with more than 9,000 properties across 95 countries, welcoming over 130 million guests annually. With a robust loyalty program already in place, Wyndham saw a chance to expand that experience to customers who prefer or rely on debit over credit.
For Wyndham, the move is strategic. Many guests were already enrolled in loyalty programs but missing out on rewards when they paid with debit. Galileo’s solution enables earn and burn functionality directly from debit purchases, all integrated into Wyndham’s broader rewards platform. Customers receive perks like sign-on bonuses, points for every purchase (including outside Wyndham), complimentary Gold status, and annual point bonuses—mirroring the benefits once exclusive to co-branded credit cards.
How Galileo's platform accelerates loyalty program deployment
What differentiates this launch is speed and simplicity. According to White, traditional card programs often involve juggling multiple vendors and year-long timelines. Galileo’s API-first, cloud-based platform streamlines issuing, processing, program management, and user experience—all in one stack. The Wyndham debit card was launched within a few months from idea to live product.
“By eliminating inefficiencies and integrating everything into a single ecosystem, we reduce complexity and enable brands to go live quickly—and at scale,” White explained.
Beyond hotels: the future of brand-powered debit rewards
While hospitality is the first vertical, Galileo sees the Wyndham card as the start of a broader movement. With loyalty being such a dominant force in U.S. consumer behavior—particularly in travel, retail, and lifestyle segments—the potential for expansion is significant.
White sees debit rewards not just as a product, but as a new category. He likens the opportunity to the early days of co-branded credit cards, a market he helped grow earlier in his career. And while debit economics and regulations are different today, the technology, timing, and demand now align in a way they didn’t in the past.
“We’re seeing brands that want to offer financial products not as an add-on, but as an extension of their loyalty strategy,” White said. “This debit card is the beginning. Our platform can power an entire ecosystem of rewards-connected financial tools.”
What's next?
White hinted at a strong pipeline of brand partners exploring similar offerings. He also noted that Galileo’s ecosystem supports ongoing personalization, dynamic promotions, and even SKU-level data integration—opening the door for deeply tailored loyalty experiences.
For now, the Wyndham card is setting the tone: combining financial access, brand engagement, and consumer rewards into one experience. As White put it, “We’re just getting started. Watch this space.”
Contact us to learn how your brand can leverage the power of debit-based loyalty.
The Future of LatAm Financial Inclusion: Education as a Growth Driver
Financial literacy education drives Latin America’s next inclusion phase, transforming account access into customer engagement.
Why Do Banking Chatbots Have Such Low Customer Satisfaction Rates?
Traditional banking chatbots achieve only 29% satisfaction versus 72% for modern conversational AI. Discover why legacy systems fail and how intelligent digital assistants reduce response times by 65% while cutting abandonment rates in half.
The Evolution of Fleet Financial Management
Revolutionize fleet operations with Galileo’s comprehensive fleet card program featuring advanced spending controls, extensive merchant networks, and real-time decision making.
Bridging the Financial Literacy Gap with Galileo’s Parent/Teen Program
Close financial literacy gaps with Galileo's parent/teen platform to differentiate your institution while building customer loyalty.
Why Co-Branded Debit Cards Are Revolutionizing Loyalty Programs for the Credit-Wary Generation
Co-branded debit cards target 90% of US adults who own debit cards, reaching debt-averse consumers through turnkey loyalty platforms. Learn how Wyndham achieved 60% direct deposit rates and why brands are choosing debit over credit for customer engagement.