Barclays
Wyndham Rewards Earner® Card
Key Features
| Annual Fee | $0.00 |
| Sign-up Bonus | Up to 75,000 bonus points |
| Rewards Rate | 1x-5x Points |
| Intro APR | Timeshare Purchases – 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases (See Terms and Conditions for details). Balance Transfers – 0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening. |
| Regular APR | Purchases – 19.24% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Timeshare Purchases – After that, your APR will be 19.24% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. Balance Transfers – After that (and for balance transfers that do not post to your account within 45 days of account opening) your APR will be 19.24% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. APR for cash advances – 29.99%. This APR will vary with the market based on the Prime Rate. |
| Other Fees | Balance transfers – Either $5 or 5% of the amount of each transfer, whichever is greater. Balance transfer fee: 5% (min. $5). Cash advance fee 5% (min. $10). Foreign transaction fee: 0%. The minimum monthly interest charge will be $1.00. |
| Network | Visa |
About this card
The Wyndham Rewards Earner® Card stands out as an excellent option within the no-annual-fee travel rewards credit card category, earning an overall rating of 4.2 out of 5.0. Its strengths are exceptionally strong for a card with no annual fee, making it a highly compelling choice for its target audience. **Strengths:** The card truly excels in its rewards program and fee structure. With a 'Rewards Rating' of 4.5/5.0, it offers market-leading earning rates, particularly 5 points per dollar on eligible Hotels by Wyndham purchases and gas, which is rare for a no-annual-fee card. The generous sign-up bonus of up to 75,000 points and additional perks like automatic Wyndham Rewards Gold status and a 10% redemption discount further amplify its value. The 'Fees Rating' of 4.5/5.0 is also a major highlight, primarily due to the $0 annual fee and, crucially, $0 foreign transaction fees, making it an excellent companion for international travel within the Wyndham network. The introductory APR offers for balance transfers and timeshare purchases also add flexibility for a limited period. **Weaknesses:** The most significant drawback is the 'APR Rating' of 2.5/5.0. While intro offers are good, the regular APR for purchases and balance transfers can range up to a notably high 29.99%. This makes the card unsuitable for individuals who anticipate carrying a balance beyond the introductory periods, as interest charges would quickly negate any rewards earned. Additionally, while the rewards are excellent, they are largely confined to the Wyndham Rewards ecosystem, which might limit flexibility for some travelers. The issuer, Barclays, has a mixed reputation regarding customer service and fraud detection, which can occasionally impact the cardholder experience. The balance transfer and cash advance fees are also on the higher side. **Overall Value Proposition:** For a cardholder who is loyal to Wyndham hotels, spends regularly on gas, dining, and groceries, and importantly, pays off their balance in full each month, this card offers exceptional value. The combination of no annual fee, strong earning rates, valuable sign-up bonus, and no foreign transaction fees makes it one of the best no-annual-fee hotel cards available, firmly placing it in the 'Excellent' category despite its limitations regarding high regular APR and niche redemption options. Its strong fit for its target audience and compelling benefits outweigh its noted weaknesses.
Pros & Cons
What's great
- No annual fee
- Intro APR period
- Generous sign-up bonus
- High rewards rate
- No foreign transaction fees
- Automatic elite status
Things to consider
- High regular APR
- High balance transfer fee
- Limited rewards categories
What this card offers
Sign-up bonuses
- LIMITED-TIME OFFER: Earn up to 75,000 bonus points, enough for up to 10 free nights at participating properties
- Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.
Rewards
- Earn 5 points per $1 spent on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles.
- Earn 2 points per $1 spent on eligible dining, grocery store purchases (excluding Target® and Walmart®) and gas purchases.
- Earn 3 points per $1 spent on eligible Vacation Club, dining and grocery store purchases (excluding Target® and Walmart®).
- Earn 1 point per $1 spent on all other purchases (excluding Wyndham Vacation Club down payments).
Other features
- Earn 7,500 bonus points each anniversary year if you spend $15,000 on eligible purchases—that's enough for up to one free night every year.
- Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like free WiFi, preferred room selection, late checkout, and more.
- Wyndham Rewards Earner Cardmembers can save even more on our Standard Rate at participating Hotels by Wyndham.
- Unlimited Earning – There is no limit to the number of points you can earn.
- Redeem 10% fewer Wyndham Rewards points for free nights, which means you can book free nights starting at just 6,750 points.
- Contactless Technology – Use Tap to Pay for faster, easier, contactless purchasing.
- Chip Technology – so paying for your purchases is more secure at chip-card terminals in the US and abroad.
- $0 Fraud Liability protection – You’re not responsible for charges you did not authorize.
- No foreign transaction fees on international purchases.
Additional Notes
The Wyndham Rewards Earner Cards are issued by Barclays Bank Delaware pursuant to a license from Visa U.S.A. Inc. Visa and Visa Signature are registered trademarks and used under license from Visa U.S.A. Inc.