Wyndham Rewards Earner® Card
Basic Information
Program ID: wyndham-rewards-earner-travel-card
Issuer: Barclays
Card Type: Credit
Network: Visa
Card Tier: Standard
Data Complete: Yes
Created: 01/07/2026 08:21
Last Scraped: 01/15/2026 06:18
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
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: 2,124.00%
Intro BT APR: 0.00%
Intro BT Duration: 15 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $75,000.00
Spending Requirement: $2,000.00
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 Wyndham Hotels & Resorts, 5x Gas, 2x Dining, 2x Grocery Stores (excluding Target & Walmart)
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points expire four years after posting to account. For Diamond members, points do not expire as long as status is maintained.
Transfer Partners: American Airlines AAdvantage, United MileagePlus, Southwest Rapid Rewards, Frontier Miles, Air China PhoenixMiles, Air Canada Aeroplan, Avianca LifeMiles, China Eastern Miles, Etihad Guest, Turkish Airlines Miles&Smiles
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
- Hotel Status: Wyndham Rewards Gold
Approval Criteria
Recommended FICO Range: 670 - 850
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion
Issuer Rules
Rules: For 2026, based on current Barclays and Wyndham Rewards card trends, the primary application and bonus eligibility rules for the Wyndham Rewards Earner Travel Card are projected as follows: **Application Rules:** 1. **Barclays 6/24 Rule:** Applicants are generally ineligible if they have opened more than 6 new credit card accounts (from any issuer) in the past 24 months. This is a strict internal Barclays rule. 2. **Creditworthiness:** Applicants must have excellent credit (typically FICO score 740+) and a strong credit history. 3. **Residency:** Must be a U.S. resident and at least 18 years of age. 4. **Existing Barclays Relationship:** While not a hard rule, Barclays tends to be cautious with applicants who already hold multiple high-limit cards with them. **Bonus Eligibility Rules:** 1. **New Cardmember Bonus:** The sign-up bonus is typically available only to new cardmembers who have not received a new cardmember bonus for this specific product (Wyndham Rewards Earner Travel Card) in the past 24 months. This prevents rapid churning of the same card. 2. **Spend Requirement:** To earn the bonus, new cardmembers must meet a specified spending threshold (e.g., $1,000 - $2,000) within a defined period (e.g., the first 90 days or 3 months) of account opening. The exact bonus points and spend requirement are subject to change annually or quarterly. **General Eligibility:** Barclays reserves the right to deny applications based on various factors including, but not limited to, too many recent inquiries, high existing credit limits across all issuers, or a history of not managing credit responsibly.
Maximum Cards Per Issuer: 3
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS), high cumulative credit limit across all cards (especially with Barclays), rapid application for multiple credit cards (especially within Barclays' ecosystem), frequent product changes, defaulting on payments, unusual spending patterns inconsistent with declared income, abusive bonus churning (e.g., applying for the same card too frequently or immediately closing after bonus), not using the card after meeting the bonus spend.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.6 / 5.0
Top Positive Feedback:
No annual fee, good for Wyndham loyalists, decent earning on Wyndham stays, gas, utilities, and groceries. Welcome bonus is a nice perk.
Top Negative Feedback:
Points value can be low, limited redemption options primarily to Wyndham properties, not ideal for general travel, and has foreign transaction fees.
Approval Experience Score: 75.0 / 100
Recommended Alternatives
- Chase Sapphire Preferred Card
- Capital One VentureOne Rewards Credit Card
- Marriott Bonvoy Boundless Credit Card
Card Value Score: 70.0 / 100
Est. Annual Rewards: $350.00
User Portfolio Metrics
Avg Portfolio Size: 4 cards
Avg Portfolio Age: 60 months
Store vs Co-brand: 80% General / 20% Wyndham
Risk Assessment
Default Risk Group: Low
Predicted Approval Probability: 85.0%
Terms Version Control
Version ID: v2024-02