Barclays
Wyndham Rewards Earner® Premier Card
Key Features
| Annual Fee | $395.00 |
| Sign-up Bonus | Up to 120,000 bonus points |
| Rewards Rate | 1x-8x 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 – 19.49% 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® Premier Card earns an 'Excellent' overall rating of 4.1/5.0. This card is a powerhouse for its specific target audience: dedicated Wyndham loyalists who can fully leverage its extensive benefits and pay their balance in full. Its strengths overwhelmingly lie in its exceptional rewards program and how effectively it offsets its high annual fee. **Strengths:** The Rewards Rating of 4.8/5.0 highlights the card's primary appeal. It offers an incredibly generous earning structure, a substantial sign-up bonus, and, most notably, automatic Wyndham Rewards Diamond status. The 30,000-point anniversary bonus and the ability to redeem points at a 25% discount significantly enhance its long-term value. The Fees Rating of 4.2/5.0, despite the $395 annual fee, is also excellent due to the numerous statement credits (totaling $385 annually across hotel, meal delivery, streaming, and wholesale clubs) that effectively neutralize the fee, reducing the net annual cost to just $10 for those who maximize them. The absence of foreign transaction fees is a crucial benefit for a premium travel card. Reputation analysis further confirms its strong positioning as a valuable premium offering for Wyndham enthusiasts, despite some concerns regarding the issuer's general customer service. **Weaknesses:** The most significant drawback is the APR Rating of 2.2/5.0. The regular APR range of 19.49% to 29.99% is notably high, especially for a card designed for individuals with 'Very Good' credit. This makes the card a poor choice for anyone who anticipates carrying a balance, as interest charges could quickly erode the value of earned rewards and benefits. Additionally, the card's value proposition is highly niche; its benefits are almost exclusively tied to the Wyndham ecosystem, limiting its appeal to non-loyalists. The 'coupon-book' nature of its benefits also requires active management to ensure maximum value extraction. **Conclusion:** For a cardholder who frequently stays at Wyndham properties, can utilize the various statement credits, and consistently pays their balance in full, the Wyndham Rewards Earner® Premier Card offers an outstanding value proposition, effectively providing top-tier hotel status and significant rewards for a minimal net annual cost. However, its high APR and strong brand loyalty requirement prevent it from achieving an 'Exceptional' 5.0 rating for a broader audience.
Pros & Cons
What's great
- Intro APR period
- Generous sign-up bonus
- High rewards rate on travel, dining, and groceries
- No foreign transaction fees
- Automatic elite status and luxury travel perks
- Annual bonus points and statement credits
Things to consider
- High annual fee
- High regular APR
- High balance transfer fee
What this card offers
Sign-up bonuses
- LIMITED-TIME OFFER: Earn up to 120,000 bonus points
- Earn 90,000 bonus points after spending $6,000 on qualifying purchases and paying the annual fee in full, both within the first 120 days, and also earn 30,000 bonus points after spending $750 at Hotels by Wyndham in the first 180 days. Timeshare down payment purchases do not qualify.2,3
Rewards
- Earn 8 points per $1 spent on eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles.3
- Earn 4 points per $1 spent on eligible Vacation Club, travel, dining and grocery store purchases (excluding Target® and Walmart®).3
- Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments). That means paying bills, buying home office supplies, car repairs, and more are earning you your next great vacation3
Other features
- Receive 30,000 bonus points each anniversary year after payment of your annual fee-that’s enough for up to four free nights at participating hotels every year.2,3
- Stay 5 nights in a calendar year and earn 30,000 bonus points, enough for a free night.3
- $100: Statement Credit after making Eligible Hotel Purchases You are eligible to receive a single statement credit of $100 back after spending $100 or more in the aggregate at Wyndham® hotels, Wyndham Grand® hotels, Dolce Hotels and Resorts® by Wyndham, Trademark Collection® by Wyndham and/or Registry Collection Hotels® each calendar year.4
- Up to $120: Statement Credit after making Eligible Meal Delivery Purchases Enjoy up to $10 in statement credits back each month--up to $120 each calendar year--after making qualifying meal delivery purchases with your card.5
- Up to $100: Statement Credit after making Eligible Streaming Service Purchases Keep your favorite shows streaming and enjoy up to $100 in statement credits back each calendar year after making qualifying streaming service purchases with your card.6
- $65: Statement Credit after making Eligible Wholesale Membership Club Purchases Receive a $65 statement credit back each calendar year after making qualifying wholesale club membership purchases with your card.7
- $95: Value of Your Complimentary Wyndham Insider Membership Receive a complimentary subscription to Wyndham Rewards Insider (a $95/year value). Unlock a world of exclusive discounts and deals, plus earn points even faster.8
- $120: Statement Credit after applying for TSA Precheck or Global Entry Enjoy up to a $120 statement credit back every 4 years for your TSA PreCheck or Global Entry application fee.9
- Enjoy a Cardmember Booking Discount Wyndham Rewards Earner Premier Cardmembers can save even more on our Standard Rate at participating Hotels by Wyndham.3
- Unlimited Earning There is no limit to the number of points you can earn.3
- Earn Free Nights Faster Redeem 25% fewer Wyndham Rewards points when you book free nights.3
- Get DIAMOND! Automatically receive a Wyndham Rewards DIAMOND member level and enjoy suite upgrades, welcome amenity at check-in at select hotels, and more.3
- Redeem your points for free nights at participating Wyndham Rewards properties, online shopping, gift cards and so much more.3
- 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.1
Additional Notes
The Wyndham Rewards Earner Cards are issued by Barclays Bank Delaware pursuant to a license from Visa U.S.A. Inc.