Wyndham Rewards Earner Card Review: Rewards, Fees & Benefits

Welcome Bonus

30,000 Points

Welcome Bonus

Spend $1,000 in the first 90 days

Bonus Posted Bonus points will be awarded within 6-8 weeks after you meet the spending requirement.

Rewards

Reward TypePoints

Base Rate1x / 1%

Bonus RateUp to 5x

Travel Portal1x

ExpirationPoints earned with your Wyndham Rewards Earner Card are subject to the terms and conditions of the Wyndham Rewards program.

Category	Rate	Type	Cap
Hotels Eligible purchases made at Hotels by Wyndham.	6x	Points	No cap
Gas Eligible purchases made on gas.	6x	Points	No cap
Groceries Eligible purchases made at grocery stores (excluding Target and Walmart).	4x	Points	No cap
Dining Eligible purchases made on dining.	4x	Points	No cap
All Other Purchases All other eligible purchases.	1x	Points	No cap

Benefits & Protections

No Foreign Fees

Hotel Status: Wyndham Rewards Gold

Benefit	Category	Value / Coverage
No Annual Fee The credit card does not charge an annual fee for card membership.	Cost Saving	$0 annual fee Up to $0
Anniversary Bonus Points Receive bonus Wyndham Rewards points each anniversary year after meeting a specified annual spending threshold.	Rewards	7,500 bonus points every anniversary year after spending $15,000 on eligible purchases Up to $7,500
Welcome Bonus Points Earn bonus Wyndham Rewards points after meeting a specified spending requirement within the initial period of account opening.	Rewards	45,000 bonus points after spending $1,000 on purchases in the first 90 days Up to $45,000
Everyday Purchase Earning Earn Wyndham Rewards points on all other eligible purchases not covered by accelerated earning categories.	Rewards Earning	1x point per $1 spent
Gas & Grocery Purchase Earning Earn accelerated Wyndham Rewards points on eligible gas purchases and eligible grocery store purchases (excluding Target and Walmart).	Rewards Earning	4x points per $1 spent
Wyndham Hotels & Resorts Purchase Earning Earn accelerated Wyndham Rewards points on eligible purchases made at Wyndham Hotels & Resorts properties.	Rewards Earning	6x points per $1 spent
Visa Fraud Protection Monitors for suspicious activity and provides alerts to help prevent fraudulent use of the card.	Security	Fraud monitoring and alerts
Visa Lost/Stolen Card Reporting Assistance with reporting a lost or stolen card to the issuer and canceling the account to prevent unauthorized use.	Security	Assistance with lost/stolen card reporting
Visa Zero Liability Protection Protects cardholders from unauthorized purchases made with their card or account information. Cardholders are not responsible for fraudulent charges.	Security	Full protection against unauthorized charges
Automatic Wyndham Rewards Gold Status Cardmembers automatically receive Wyndham Rewards Gold status, which includes benefits such as preferred room choice, late checkout, and bonus points on stays.	Status Benefits	Wyndham Rewards Gold Status
Go Free Award Night Discount Receive a discount on the number of points required for Go Free award nights at participating Wyndham Hotels & Resorts properties.	Travel	10% discount on Go Free award nights
Visa Emergency Card Replacement Provides expedited replacement of a lost or stolen card, typically within 1-3 business days, in most locations worldwide.	Travel Assistance	Expedited card replacement
Visa Emergency Cash Disbursement Allows cardholders to receive emergency cash from a convenient location, typically within hours of approval, if their card is lost or stolen.	Travel Assistance	Access to emergency cash
Visa Roadside Dispatch A pay-per-use roadside assistance program available 24/7. Services include towing, tire changing, jump starting, lockout service, fuel delivery, and winching. Cardholders are responsible for service fees.	Travel Assistance	Pay-per-use roadside assistance
Visa Travel and Emergency Assistance Services Provides a range of referral services for cardholders when traveling, including medical and legal referrals, emergency transportation assistance, and pre-trip assistance. Cardholders are responsible for the cost of services rendered.	Travel Assistance	Referral services for travel emergencies

Interest Rates

0%

Intro Purchase APR for 15 months

0%

Intro BT APR for 15 months

Purchase APR21.24%–30.24% Variable

Cash Advance APR30.49%

Penalty APR29.99%

Min. Interest Charge$2

Deferred Interest Warning: If you do not pay the full promotional balance by the end of the promotional period, interest will be charged to your account from the purchase date at the standard purchase APR.

Fees

Annual Fee $0 — No Annual Fee

Authorized User FeeFree

Foreign Transaction FeeNone

Balance Transfer FeeEither $5 or 5% of the amount of each transfer, whichever is greater.

Cash Advance FeeEither $10 or 5% of the amount of each cash advance, whichever is greater.

Late Payment FeeUp to $40

Returned Payment FeeUp to $40

Approval & Eligibility

670 Recommended minimum FICO · Range 670–739

300 Poor580 Fair 670 Good740 Very Good 800+ Exceptional

Approval DifficultyModerate

Credit ProfileGood

Approval OddsGood

Decision TimeInstant

Pre-QualificationNot available

Student EligibleNo

Co-ApplicantNot allowed

Business EligibleNo

Issuer Rules & Restrictions

Maximum Cards per Issuer

You can hold up to 3 cards from this issuer simultaneously.

Shutdown Risk Triggers

Manufactured spending, high cumulative credit limit across all Barclays cards relative to income, sudden uncharacteristic spending patterns, repeated opening and closing of cards solely for bonuses, bust-out behavior (maxing out cards and failing to pay), providing inaccurate information on applications, excessive credit inquiries or new accounts opened with other issuers shortly after approval.

Cliff Effect Rules

Barclays primarily enforces a 'one bonus per product' rule within a specific timeframe (typically 24 months). This means eligibility for the sign-up bonus is tied directly to whether you've received a bonus for the specific 'Wyndham Rewards Earner Card' product recently, rather than a broader 'Wyndham' card family rule.

International Friendly

This card works well for international travel and transactions.

Additional Issuer Rules

To be eligible for the sign-up bonus, applicants must typically not have received a bonus for the Wyndham Rewards Earner Card product within the last 24 months. Barclays also enforces a '6/24 Rule,' meaning applicants generally cannot be approved if they have opened more than 6 credit cards from any issuer in the past 24 months. General eligibility requires applicants to be 18 years or older, a U.S. resident, and possess a good to excellent credit score (typically 700+ FICO). Barclays is known to be sensitive to recent credit inquiries and new accounts.

Wyndham Rewards Earner Card

Welcome Bonus

Rewards

Benefits & Protections

Interest Rates

Fees

Approval & Eligibility

Issuer Rules & Restrictions

Quick Summary