Barclays
Wyndham Rewards Earner® Plus Card
Key Features
| Annual Fee | $95.00 |
| Sign-up Bonus | Up to 100,000 bonus points |
| Rewards Rate | 1x-6x Points |
| Intro APR | 0% promotional APR for 6 billing cycles on all Wyndham Timeshare Purchases (see Terms and Conditions for details). 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. 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 transfer fee Either $5 or 5% of the amount of each transfer, whichever is greater. The minimum monthly interest charge will be $1.00. Cash advance fee 5% (min. $10). Foreign transaction fee: 0%. |
| Network | Visa |
About this card
The Wyndham Rewards Earner® Plus Card earns an 'Excellent' overall rating of 4.3 out of 5.0. This card is a powerhouse for its specific target audience: Wyndham loyalists, budget-conscious travelers, and road-trippers. Its value proposition is outstanding for those who can maximize its benefits within the Wyndham ecosystem. The rewards program (4.7/5.0) is exceptionally strong, featuring a generous sign-up bonus, high earning rates (up to 6x on Wyndham stays, 4x on dining, groceries, and travel), and a particularly valuable 15,000 anniversary bonus that effectively negates the annual fee. The automatic Wyndham Rewards elite status and a 10% redemption discount further amplify its appeal. The fee structure (4.5/5.0) is also a major strength, primarily due to the annual fee being easily offset by points and the absence of foreign transaction fees, a significant perk for a travel card in this category. While balance transfer and cash advance fees are high, they are avoidable for responsible users. The card's reputation confirms it as an 'underrated' and 'hidden gem' within its niche, consistently praised by users and experts for its solid value. The primary detractor is the APR (2.5/5.0), with a notably high potential regular APR of up to 29.99%. While introductory APR offers exist, the high ceiling for ongoing balances presents a significant drawback for cardholders who tend to carry a balance. However, for a rewards-focused travel card, many users aim to pay their statement in full, diminishing the impact of the high regular APR. For its intended audience, the overwhelming strengths in rewards, fee structure, and specific benefits far outweigh the weaknesses, positioning it as a top-tier option for Wyndham brand enthusiasts.
Pros & Cons
What's great
- Generous sign-up bonus
- High rewards rate
- Intro APR period
- No foreign transaction fees
- Automatic elite status
- Anniversary bonus points
Things to consider
- Annual fee
- High regular APR
- High balance transfer fee
- Cash advance fee
What this card offers
Sign-up bonuses
- LIMITED-TIME OFFER: Earn up to 100,000 bonus points, enough for up to 13 free nights at participating properties
- Earn 45,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 55,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
Rewards
- Earn 6 points per $1 spent on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles.
- Earn 4 points per $1 spent on eligible dining, grocery store purchases (excluding Target® and Walmart®) and travel purchases.
- Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments).
Other features
- Anniversary Bonus Receive 15,000 bonus points each anniversary year after payment of your annual fee-that’s enough for up to two free nights at participating hotels every year.
- Get DIAMOND, then PLATINUM! Automatically receive a Wyndham Rewards DIAMOND member level during your first year. After that, become a Wyndham Rewards PLATINUM member and enjoy perks like early check-in, late checkout, and more.
- Enjoy a Cardmember Booking Discount Wyndham Rewards Earner Plus 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.
- Earn Free Nights Faster Redeem 10% fewer Wyndham Rewards points when you book free nights.
- Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.
- Book 1 Free Night Every Year Enjoy a free night worth up to 15,000 Wyndham Rewards points after you stay five or more nights in a calendar year.
- 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
Wyndham Rewards Free Nights at participating properties can require up to 30,000 points per bedroom.