Room keys do allow charging except for the restaurants that are part of the hotel versus the timeshare. That’s Back Bay Bar & Grille, Deep Blu Seafood, Tesoro Cove, and the Starbucks in the hotel. That can be tricky because Back Bay is one that looks like it’s part of the timeshare section (It’s on the walk around the lake). The rest are all located inside the hotel.
The timeshare restaurants: Poolside Pizza Company, Escudos, and the sandwich shop / Starbucks / lobby shop place can be charged to the room. Escudos has great breakfast and for lunch and dinner is Mexican. Poolside Pizza is a pizza joint and has some limited other Italian offerings. Back Bay is the sit down burger joint place.
The shops and other amenities (again outside the Wyndham Grand) can be charged to the room.