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 on purchases |
| 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 – 19.49% to 29.99%, based on your creditworthiness and other factors. This APR will vary with the market based on the Prime Rate. After that, your APR will be 19.49% 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 19.49% 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. The minimum monthly interest charge will be $1.00. Balance transfer fee: 5% (min. $5). 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 an outstanding option for its specific target audience: Wyndham loyalists, budget-conscious travelers, and road-trippers who can fully leverage its benefits within the Wyndham ecosystem. Its primary strength lies in its exceptionally robust rewards program (4.7/5.0), featuring a highly generous sign-up bonus, accelerated earning rates on Wyndham stays (6x) and everyday categories like dining, groceries, and general travel (4x). The annual 15,000 bonus points effectively negate the $95 annual fee, providing significant value year after year. Automatic Wyndham Rewards elite status (Diamond in the first year, then Platinum) and a 10% redemption discount further amplify its appeal and value proposition. The fee structure (4.6/5.0) is also a significant plus, mainly due to the annual fee being easily offset by points and the crucial absence of foreign transaction fees, making it an excellent choice for international travel. The card enjoys a very strong reputation (4.6/5.0) as an 'underrated gem' that consistently delivers value, particularly within its niche. The main detractor is the APR (2.5/5.0), with a wide and potentially very high regular APR range up to 29.99%. While introductory APR offers exist, this high ceiling is a notable 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, which diminishes 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 seeking maximized value.
Pros & Cons
What's great
- Introductory APR period on balance transfers and specific purchases
- Generous sign-up bonus opportunity
- Accelerated rewards rate on travel, dining, and grocery purchases
- No foreign transaction fees
- Automatic hotel elite status and related perks
- Annual bonus points
Things to consider
- Annual fee applies
- High regular APR range
- High balance transfer fee
What this card offers
Sign-up bonuses
- Earn up to 100,000 bonus points
- Earn 45,000 bonus points after spending $1,000 on qualifying 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. Timeshare down payment purchases do not qualify. Free nights can require up to 45,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points
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 Wyndham Vacation Club down payments).
Other features
- Contactless Technology – Use Tap to Pay for faster, easier, contactless purchasing.
- $0 Fraud Liability protection – You’re not responsible for charges you did not authorize.
- Chip Technology – So paying for your purchases is more secure at chip-card terminals in the US and abroad.
- No foreign transaction fees on international purchases.
- Receive 15,000 bonus points each anniversary year after payment of your annual fee.
- 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.
- Wyndham Rewards Earner Plus Cardmembers can save even more on our Standard Rate at participating Hotels by Wyndham.
- There is no limit to the number of points you can earn.
- 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.
- Stay 5 nights in a calendar year and earn 15,000 bonus points, enough for a free night.
- Enjoy a 15% discount-or best available offer-on qualifying point purchases with your Wyndham Rewards Earner® Plus Card.