12
Benefits5
Reward Categories6x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Wyndham Hotels & Resorts | 6x | Points | Eligible purchases made at Hotels by Wyndham | No Cap | |
| Gas | 6x | Points | Eligible gas purchases | No Cap | |
| Groceries | 4x | Points | Eligible purchases made for groceries | No Cap | |
| Dining | 4x | Points | Eligible purchases made for dining | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Wyndham Hotels & Resorts, 2x Gas, 2x Grocery Stores (excluding Target & Walmart)
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as the Wyndham Rewards Earner Card account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: American Airlines, United Airlines, Southwest Airlines, Frontier Airlines, Hawaiian Airlines, Turkish Airlines
Redemption Penalties: None directly tied to point redemption; standard hotel cancellation policies apply.
Benefits & Protections (Detailed) 12 Total
PENDINGAnniversary Bonus 1
Annual Anniversary Bonus Points
7,500 bonus pointsEarn 7,500 bonus Wyndham Rewards points after your account anniversary each year.
Card Benefits 1
Visa Signature Benefits
Access to Visa Signature benefitsAccess to a suite of standard Visa Signature benefits, which may include travel and purchase protections, concierge services, and more.
Earning Points 3
Accelerated Earning on Wyndham Hotels and Gas
6X pointsEarn 6X Wyndham Rewards points on eligible purchases at Hotels by Wyndham and on gas purchases.
Accelerated Earning on Dining and Groceries
4X pointsEarn 4X Wyndham Rewards points on eligible dining and grocery store purchases (excluding Target® and Walmart®).
Standard Earning on All Other Purchases
1X pointEarn 1X Wyndham Rewards point on all other eligible purchases.
Fees 2
No Annual Fee
$0 annual feeThis credit card has no annual fee.
No Foreign Transaction Fees
$0 foreign transaction feesThere are no foreign transaction fees on purchases made with this card.
Loyalty Status 1
Complimentary Wyndham Rewards Gold Status
Wyndham Rewards Gold statusReceive complimentary Wyndham Rewards Gold status as a cardmember.
Redemption 2
Free Nights Redemption
Free nights starting at 7,500 pointsRedeem Wyndham Rewards points for free nights at thousands of Hotels by Wyndham, with redemption options starting at just 7,500 points per night.
Alternative Redemption Options
Redeem for vacation rentals, tours, activitiesRedeem Wyndham Rewards points for vacation rentals, tours, and activities.
Travel Discount 1
Hotel Stay Discount
10% discountReceive a 10% discount on the Best Available Rate for eligible hotel stays at Hotels by Wyndham.
Welcome Bonus 1
Welcome Bonus Points
7,500 bonus pointsEarn 7,500 bonus Wyndham Rewards points after you spend $1,000 on purchases in the first 90 days of account opening.
Benefits Summary (Flags)
PENDINGExtended Warranty
Purchase Protection
Cell Phone Protection
Travel Insurance
Primary Rental Protection
Airport Lounge Access
Trip Delay Coverage
Lost Luggage Coverage
Price Protection
Concierge Service
No Foreign Fees
ShopRunner
Hotel Status: Wyndham Rewards Gold
Sign-Up Bonus
PENDING60,000
Points/MilesRequirement: Spend $1,000 in 90 days
Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Fee Structure
PENDING| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 0.30% |
| Min Interest Charge: | $2.00 |
Additional Fees
PENDING| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 5% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates & APR
PENDINGStandard APR
Purchase APR: 21.24% - 29.24%
Balance Transfer APR: 21.24%
Cash Advance APR: 29.99%
Intro APR Offers
Intro Purchase APR: 0% for 15 months
Intro BT APR: 0% for 15 months
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Eligibility for the Wyndham Rewards Earner Card in 2026 requires applicants to be 18 years or older, a U.S. resident, and possess a good to excellent credit score (typically FICO 700+). A primary application rule for Barclays is the '6/24 Rule,' meaning applicants are generally not approved if they have opened more than 6 credit card accounts with *any* issuer in the past 24 months. The sign-up bonus (e.g., X Wyndham Rewards points after Y spend) is typically available only to new cardmembers who have not had this specific card product in the past 24 months and do not currently hold it. Barclays also considers recent credit inquiries and overall credit exposure when evaluating applications.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Barclays generally offers sign-up bonuses once per specific product. While there isn't a strict 'family' rule preventing bonuses across different Wyndham card tiers (e.g., Earner vs. Earner Plus), the 6/24 rule is the primary 'cliff' for general Barclays application eligibility. Holding multiple Barclays cards may also impact approval for new applications due to total credit exposure limits.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.8 / 5.0
Top Positive:
Strong rewards on Wyndham stays, no annual fee, and a decent sign-up bonus. Includes a 10% discount on Wyndham Rewards redemptions.
Top Negative:
Foreign transaction fees, limited redemption flexibility outside of Wyndham properties, and lower earning rates on non-bonus categories.
Approval Experience: 78.0 / 100
Recommended Alternatives
- Marriott Bonvoy Boundless Credit Card
- Hilton Honors American Express Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 82.0 / 100
Est. Annual Rewards: $333.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: v1.0