8
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 | |
| Grocery Stores | 4x | Points | Eligible purchases made at grocery stores (excluding Target® and Walmart®). | No Cap | |
| Dining | 4x | Points | Eligible dining purchases. | No Cap | |
| All Other Purchases | 1x | Points | All other eligible purchases not falling into bonus categories. | No Cap |
Rewards Summary
PENDINGReward Type: Wyndham Rewards Points
Base Rate: 1x
Bonus Rate: 6x
Categories: 6x Wyndham Hotels & Resorts, 4x Gas, 4x Groceries (excluding Target & Walmart)
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points expire four years from issuance or if no account activity for 18 consecutive months.
Point Value: 0.01¢
Travel Portal Multiplier: 1x
Transfer Partners: American Airlines AAdvantage, United MileagePlus, Southwest Rapid Rewards, Frontier Miles
Redemption Penalties: None specified for point redemption; standard hotel cancellation policies apply for award stays.
Benefits & Protections (Detailed) 8 Total
PENDINGAnnual Bonus 1
Annual Bonus Points
7,500 points annuallyReceive 7,500 bonus Wyndham Rewards points every year after your account anniversary.
Loyalty Program Status 1
Wyndham Rewards Gold Status
Gold StatusAutomatically receive Wyndham Rewards Gold status.
Rewards Earning 2
Accelerated Earning - Wyndham, Gas, Groceries
6 points per $1Earn 6 Wyndham Rewards points for every $1 spent on eligible purchases made at Hotels by Wyndham, on gas, and on eligible purchases at grocery stores (excluding Target® and Walmart®).
Accelerated Earning - Other Purchases
4 points per $1Earn 4 Wyndham Rewards points for every $1 spent on all other eligible purchases (excluding Wyndham timeshare purchases).
Rewards Redemption 1
Points Redemption Discount
10% discountEnjoy a 10% discount on the redemption of Wyndham Rewards points for a free night stay.
Security 1
Fraud Liability Protection
$0 liabilityYou are not responsible for unauthorized charges made on your card.
Travel Savings 1
No Foreign Transaction Fees
0% foreign transaction feePay no foreign transaction fees on purchases made outside the United States.
Welcome Offer 1
Sign-up Bonus
45,000 bonus pointsEarn 45,000 bonus Wyndham Rewards points after spending $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
Global Entry Credit: $0
TSA PreCheck Credit: $0
Hotel Status: Wyndham Rewards Platinum
Sign-Up Bonus
PENDING75,000
Points/MilesRequirement: Spend $2,000 in 90 days
Timing: Typically within 6-8 weeks after meeting the spending requirement for bonus points to post to your Wyndham Rewards account.
Fee Structure
PENDING| Annual Fee: | $75.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $75.00 |
| 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 3% of the amount of each transfer, whichever is greater (minimum $5). |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater (minimum $10). |
| 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
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: Application Rules: Applicants are subject to Barclays' general credit card application policies. This includes a known '6/24 Rule' where applicants cannot have opened more than 6 credit cards across all issuers in the past 24 months. Barclays is also sensitive to recent credit inquiries and new accounts, preferring applicants with a strong credit history (typically FICO score 700+) and a manageable existing credit exposure. Bonus Eligibility: To be eligible for the sign-up bonus, applicants typically must not have had the Wyndham Rewards Earner+ Card in the past 24 months. Bonus Rule: Earn a significant Wyndham Rewards points bonus after meeting a specified minimum spend requirement within the first 90 days (3 months) of account opening.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: Generally, you cannot hold two of the exact same Wyndham Rewards Earner+ Card. However, you may be eligible for different Wyndham co-branded cards (e.g., Earner, Earner+, Earner Business) concurrently, subject to individual application approval and Barclays' overall application rules and credit exposure limits.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.7 / 5.0
Top Positive:
Excellent earning rates on Wyndham and gas purchases, valuable anniversary bonus points, automatic Wyndham Rewards Platinum status, and no foreign transaction fees. Good for frequent Wyndham guests.
Top Negative:
The annual fee may be high for some, points value can vary, and redemption options are primarily limited to Wyndham properties. Not ideal for those without strong Wyndham loyalty.
Approval Experience: 80.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One Venture Rewards Credit Card
- Marriott Bonvoy Boundless Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $500.00
Approval Probability: 85.0%
Version Control
PENDINGVersion ID: v1.0