Wyndham Rewards Earner Card
Basic Information
Program ID: wyndham-rewards-earner-card
Issuer: Barclays
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 08:18
Last Scraped: 01/15/2026 06:15
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 2,999.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $60,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Typically within 8-12 weeks after requirement is met, but often within 48-72 hours
Rewards Program
Reward Type: Wyndham Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 5.00%
Bonus Categories: 5x Hotels by Wyndham, 5x Gas, 2x Dining, 2x Groceries
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the credit card account is open and in good standing.
Transfer Partners: American Airlines, United Airlines, Southwest Airlines, Frontier Airlines, Spirit Airlines, Air China, Air Canada, Avianca, China Eastern, Etihad Airways, Hainan Airlines, Turkish Airlines, Virgin Atlantic
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
- Hotel Status: Wyndham Rewards Gold
Approval Criteria
Recommended FICO Range: 690 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: To be eligible for the Wyndham Rewards Earner Card, applicants typically need an excellent credit score (generally 700+ FICO) and sufficient income. Barclays enforces a strict '6/24 Rule,' meaning applicants will likely be denied if they have opened more than 6 new credit card accounts from *any* issuer in the past 24 months. Furthermore, eligibility for the sign-up bonus is usually restricted if the applicant has received a bonus for *this specific product* within the last 24 months (or a longer period, depending on current Barclays policy). The sign-up bonus typically requires meeting a specified spending threshold (e.g., $1,000) within the first 3 months of account opening.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending, high cumulative credit limit across all Barclays accounts, rapid application for multiple Barclays cards, defaulting on payments, unusual spending patterns inconsistent with credit profile, or suspected abuse of rewards programs.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for Wyndham loyalists, good sign-up bonus, strong earning on gas and Wyndham stays, no annual fee, includes automatic Gold status.
Top Negative Feedback:
Limited redemption options outside of Wyndham, 3% foreign transaction fees, not ideal for general spending outside bonus categories, points value can vary.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Hilton Honors Card from American Express
- Marriott Bonvoy Boundless Credit Card
- Capital One VentureOne Rewards Credit Card
Card Value Score: 85.0 / 100
Est. Annual Rewards: $396.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 100% Co-brand / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0