Wyndham Rewards Earner+ Card
Basic Information
Program ID: wyndham-rewards-earner-plus-card
Issuer: Barclays
Card Type: Credit
Network: Visa
Card Tier: Signature
Data Complete: Yes
Created: 01/07/2026 08:19
Last Scraped: 01/15/2026 06:16
Fee Structure
| Annual Fee: | $75.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $75.00 |
| 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 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
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 15 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $45,000.00
Spending Requirement: $1,000.00
Time Period: 90 days
Bonus Timing: Bonus points are typically credited to your Wyndham Rewards account 6-8 weeks after you have met the spend requirement, though they may post sooner.
Rewards Program
Reward Type: Wyndham Rewards Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 6.00%
Bonus Categories: 6x Wyndham Hotels & Resorts, 4x Gas, 4x Grocery (excluding Target & Walmart)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as the credit card account is active (due to automatic Gold status).
Transfer Partners: American Airlines, United Airlines, Southwest Airlines, Frontier Airlines, Spirit Airlines (note: transfer ratios are generally poor)
Card Benefits
Protection Benefits
Travel Benefits
- No Foreign Transaction Fees
Premium Benefits
- Hotel Status: Wyndham Rewards Platinum
Approval Criteria
Recommended FICO Range: 670 - 750
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: TransUnion
Issuer Rules
Rules: Applicants for the Wyndham Rewards Earner+ Card must adhere to Barclays' general application policies, which are projected to remain consistent through 2026. This includes the known '6/24 Rule,' meaning you cannot have opened more than 6 credit card accounts across all issuers in the past 24 months to be approved. Barclays is also sensitive to recent credit inquiries and new accounts, both from Barclays and other issuers. Eligibility typically requires a good to excellent credit score, being 18 years or older, and a U.S. resident. Sign-up bonuses are generally offered once per product family, and there may be a cooldown period (e.g., 24 months) after receiving a bonus on a similar Wyndham card before being eligible for another. The bonus requires meeting a specified minimum spending requirement within the initial 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 issuers, rapid application for multiple credit cards (especially Barclays products), suspicious spending patterns inconsistent with income, repeated late payments, or bouncing payments.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Excellent for Wyndham loyalists, offering strong rewards on Wyndham stays, gas, and groceries. The annual bonus points and automatic Gold status add significant value for frequent travelers.
Top Negative Feedback:
The $75 annual fee can be a deterrent for infrequent travelers, and the value of Wyndham points can fluctuate, making redemptions sometimes challenging to maximize.
Approval Experience Score: 78.5 / 100
Recommended Alternatives
- Wyndham Rewards Earner Card
- IHG One Rewards Traveler Card
- Marriott Bonvoy Boundless Credit Card
Card Value Score: 75.0 / 100
Est. Annual Rewards: $424.50
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 80% General / 20% Store
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: 2024-01-01