15
Benefits5
Reward Categories5x
Max Reward21.2%
APR FromBasic Information
PENDINGRewards Program (Detailed) 5 Categories
PENDING| Category | Rate | Type | Description | Annual Cap | Status |
|---|---|---|---|---|---|
| Wyndham Hotels & Resorts | 5x | Points | on eligible purchases made at Wyndham Hotels & Resorts | No Cap | |
| Gas | 5x | Points | on gas purchases | No Cap | |
| Dining | 2x | Points | on eligible dining purchases (excluding Target® and Walmart®) | No Cap | |
| Grocery Stores | 2x | Points | on eligible grocery store purchases (excluding Target® and Walmart®) | No Cap | |
| Everywhere Else | 1x | Points | on all other eligible purchases | No Cap |
Rewards Summary
PENDINGReward Type: Wyndham Rewards Points
Base Rate: 1x
Bonus Rate: 5x
Categories: 5x Wyndham Hotels & Resorts, 5x Gas; 2x Dining, 2x Grocery Stores (excluding Target & Walmart)
Quarterly Rotating: No
Cap Amount: $0.00
Expiration Policy: Points do not expire as long as the credit card account is open and in good standing.
Point Value: 0.01¢
Travel Portal Multiplier: 5x
Transfer Partners: None of significant value for outbound transfers.
Redemption Penalties: Standard hotel cancellation policies apply.
Benefits & Protections (Detailed) 15 Total
PENDINGAccount Management 1
Online and Mobile Account Access
Online account managementManage your account, pay your bill, view statements, and more, conveniently from your computer or mobile device.
Financial Management 1
Free FICO® Score Access
Free FICO® ScoreAccess your FICO® Score for free online, anytime, to help monitor your credit health.
Purchase Protection 2
Purchase Security
90-day theft/damage protectionCovers eligible purchases against theft or damage for 90 days from the date of purchase. Terms, conditions, and limitations apply.
Extended Warranty Protection
Up to 1 year extended warrantyExtends the manufacturer's original warranty on eligible purchases for up to one additional year on warranties of three years or less. Terms, conditions, and limitations apply.
Rewards Earning 3
Accelerated Earning - Wyndham Hotels, Gas, Groceries
5X pointsEarn 5 Wyndham Rewards points per $1 spent on eligible purchases made at Hotels by Wyndham, on gas purchases, and on eligible purchases made at grocery stores (excluding Target® and Walmart®).
Standard Earning - All Other Purchases
1X pointEarn 1 Wyndham Rewards point per $1 spent on all other eligible purchases.
Annual Anniversary Bonus Points
7,500 bonus points annuallyReceive 7,500 bonus Wyndham Rewards points every year after your account anniversary.
Security & Protection 1
Zero Fraud Liability
0% liability for fraudYou are not responsible for unauthorized charges made on your credit card account, providing peace of mind against fraudulent activity.
Travel Insurance 2
Travel Accident Insurance
Coverage for accidental death/dismembermentProvides coverage for accidental death or dismemberment when you travel by common carrier and charge the entire fare to your card. Terms and conditions apply.
Auto Rental Collision Damage Waiver
Collision/theft coverage for rental carsProvides coverage for damage due to collision or theft for most rental cars when you use your card to pay for the rental and decline the rental company's insurance. This coverage is secondary to other applicable insurance.
Travel Perks 1
Complimentary Wyndham Rewards Gold Status
Gold StatusEnjoy complimentary Wyndham Rewards Gold Status, which includes perks like preferred room, late checkout, and a dedicated member services line. Benefits are subject to availability and Wyndham Rewards program terms and conditions.
Travel Savings 1
No Foreign Transaction Fees
0% foreign transaction feesAvoid foreign transaction fees on purchases made while traveling abroad, saving you money on international transactions.
Travel Services 2
Concierge Service
24/7 concierge assistanceAccess complimentary, 24/7 concierge service to assist with travel arrangements, dining reservations, event tickets, shopping assistance, and more.
Roadside Dispatch®
Pay-per-use roadside assistanceAccess a pay-per-use roadside assistance program that can help with services such as towing, tire changes, jump starts, lockout service, and fuel delivery. Fees apply per service call.
Welcome Offer 1
Sign-up Bonus Points
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
Hotel Status: Wyndham Rewards Gold
Sign-Up Bonus
PENDING100,000
Points/MilesRequirement: Spend $8,000 in 360 days
Timing: Bonus points will be credited to your Wyndham Rewards account 8-12 weeks after you meet the spending requirements.
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 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
Promo Duration: 0 months
Approval Criteria & Requirements
PENDINGCredit Score Requirements
Application Process
Issuer Rules & Policies
PENDINGRules: For 2026, applicants for the Wyndham Rewards Earner Travel Card from Barclays are generally subject to the following rules, based on current Barclays practices and typical credit card market trends: **Bonus Eligibility:** Applicants are typically eligible for a one-time sign-up bonus (e.g., 45,000 Wyndham Rewards points) after spending a specified amount (e.g., $1,000) within the first 90 days of account opening. While Barclays does not have a strict 'once per lifetime' rule like some other issuers, eligibility for a bonus may be restricted if you have recently opened or closed this specific card, or if you have received a bonus for it within a certain timeframe (e.g., 24 months). **Application Rules:** * **Barclays 6/24 Rule:** Approval is highly unlikely if you have opened more than 6 new credit card accounts across *all* issuers in the past 24 months. This rule is a significant barrier for new applications. * **General Eligibility:** Applicants must be 18 years or older, a U.S. resident with a Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN), and possess good to excellent credit (typically a FICO score of 700+ is recommended). * **Credit Exposure:** Barclays is sensitive to overall credit exposure. Applying for multiple Barclays cards too quickly or already holding a high cumulative credit limit with Barclays may lead to application denials.
Max Cards Per Issuer: 3
Min Spend Interval: 3 months
Cliff Effect Rules: The primary 'cliff effect' for Barclays applications is the 6/24 rule, which restricts new applications across all issuers. Within Barclays, there isn't a specific 'Wyndham family' cliff that prevents you from getting other Wyndham cards if you have one, beyond the general 6/24 rule. However, applying for multiple Barclays cards too quickly (e.g., within 6-12 months) or accumulating a high total credit limit with Barclays can lead to denials for new applications due to internal credit exposure limits, effectively creating a 'cliff' for further Barclays products.
International Friendly: Yes
User Analytics & Insights
PENDINGUser Ratings
Average Rating: 3.5 / 5.0
Top Positive:
Users appreciate the card's strong earning potential on Wyndham purchases, the valuable welcome bonus, and the anniversary bonus points, especially given it has no annual fee.
Top Negative:
Common complaints include the limited redemption options primarily restricted to Wyndham hotels, the presence of foreign transaction fees, and a relatively low earning rate on non-Wyndham spending.
Approval Experience: 75.0 / 100
Recommended Alternatives
- Hilton Honors American Express Card
- Marriott Bonvoy Bold Credit Card
- Chase Freedom Flex
Card Value Score: 70.0 / 100
Est. Annual Rewards: $507.00
Approval Probability: 75.0%
Version Control
PENDINGVersion ID: January 2024