20.49% - 29.74%
Balance Transfer Fee
5% or $5, whichever is greater
Good - Excellent
If you’re brand loyal to Wyndham and tend to stay at Hotels by Wyndham properties, the Wyndham Rewards Earner Card could be a good option for you. Although the card is less generous compared to other Wyndham co-branded cards, you don’t have an annual fee to worry about. The card also offers automatic Gold status, which can add some nice perks to your stay.
However, if you tend to stay at any chain, you are likely to find that a general travel rewards credit card would be better suited to you. There are a number of no annual fee rewards cards that offer points or cash back on travel and everyday purchases. You can then redeem your rewards via the card issuer’s travel portal for free hotel stays or flights.
- 0% Introductory APR
- Annual Bonus
- Automatic Gold Status
- Booking Discount
- Go Free Faster
- Flexible Redemptions
- No Automatic Free Anniversary Night
- No 0% APR for Purchases
- Not as Rewarding as Other Wyndham Co-branded Cards
What are card income requirements?
There are no official income requirements, but you do need to have good to excellent credit to qualify for the card. This means that while Barclays will evaluate your income, it is not the only factor that will be considered when making an approval decision.
Can I get pre-approved?
Barclays does not offer pre approval on its website, but the bank may send out mailers or other promotional material offering select customers pre approval for this or other cards.
Does the card provide car rental insurance?
Since this is a Visa Signature card, you can receive collision damage waiver cover for your rental vehicles, if you reserve and pay for the entire rental with your card.
In this Review
Estimating Your Rewards: A Practical Simulation
Take a look at the table provided below to discover the potential rewards you could earn by utilizing the Wyndham Rewards card. This simulation calculates the benefits you might receive by considering your everyday expenses across various categories.
Please note that the table serves as an estimate, and your actual rewards may vary depending on your individual spending patterns and other influencing factors. Nevertheless, it offers valuable insights into the potential advantages offered by this card.
Spend Per Category
Wyndham Rewards Earner Card
$10,000 – U.S Supermarkets
$3,000 – Restaurants
$5,000 – Airline
$4,000 – Hotels
$4,000 – Gas
Estimated Annual Miles
Pros and Cons
Just like any other credit card, the Wyndham Rewards credit card has some advantages and disadvantages:
0% Introductory APR
No Automatic Free Anniversary Night
No 0% APR for Purchases
Automatic Gold Status
Not as Rewarding as Other Wyndham Cards
Go Free Faster
If you want to make a balance transfer to the Wyndham Rewards Earner you can benefit from a 0% APR for 15 months on balance transfers made within 45 days of account opening.
A balance transfer fee does apply and after the promotional period, the standard APR of 20.49% – 29.74% will apply.
If you spend $15,000 on eligible purchases during the year, you’ll receive a 7,500 point bonus on each anniversary year.
As a cardholder, you’ll automatically receive Gold member status with the Wyndham Rewards program. This provides a whole host of benefits including preferred room selection, free WiFi, late check out and more.
Cardmembers can receive a booking discount. You will have access to even more Best Available Rates at participating locations.
Unusually for a co-branded card, you can not only redeem your points for free nights at participating Wyndham properties, but also gift cards, online shopping and more.
You won't be charged any fees for making purchases abroad with the Wyndham Rewards credit card.
Although there is an anniversary points bonus, there is a spending requirement to qualify for this. Unlike many other loyalty cards and programs, there is no automatic free night on your cardmember anniversary.
The card does offer 0%, but this only applies to balance transfers. If you're looking for a 0% card for both purchases and balance transfers, other cards may be relevant.
For example, the Wyndham Rewards Earner Plus has a modest annual fee, but the welcome bonus is more generous and you can earn more points per dollar. Additionally, there is automatic Platinum status and an anniversary bonus with no spend requirement.
In addition to having no limits on the amount of points that you can earn, you can benefit from the Go Free Faster program. This means that you will need 10% fewer points when booking Go Free awards.
Who is the Wyndham Rewards Earner Card Best For?
Since this is a co-branded card, it is best for those who are brand loyal to Hotels by Wyndham. You’ll earn the highest rewards rate with Hotels by Wyndham purchases and award stays offer the best redemption value for your accumulated rewards. You can also benefit from Gold member status, which will enhance your stay experience.
The card could also be a good option if you’re carrying a card balance. If you make the transfer within 45 days of opening your account, you’ll qualify for 0% APR for 15 months. Just bear in mind that a 5% or $5 balance transfer fee will apply to the transaction
If you would like to check alternative hotel cards, here are some alternatives:
1X – 4X 4 bonus points per $1 spent for Hyatt stays and experiences including restaurants and spas, 2x for flights purchased directly from the airline, local transit, commuting, restaurants, fitness club, gym memberships and 1 bonus point per $1 spent on all other purchases
30,000 points 30,000 points after you spend $3,000 on purchases within the first 3 months of account opening
2x – 17x Up to 17x points for IHG Hotels and Resorts, 3x points for utilities, dining, gas stations and select streaming, with 2x points for all other purchases.
80,000 points 80,000 bonus points after you spend $2,000 on purchases in the first 3 months your account is open
2X – 5X 5x total points on travel purchased through Chase Ultimate Rewards, 3x points on dining and online grocery purchases and 2x on other travel purchases. Plus, earn 1 point per dollar spent on all other purchases
60,000 points 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening
3X – 7X 7X Hilton Honors Bonus Points for each dollar of eligible purchases charged directly with hotels and resorts within the Hilton portfolio, 5x points at U.S. restaurants (including takeout and delivery) U.S.supermarkets, U.S. gas stations and 3x points for each dollar on other eligible purchases
80,000 points 80,000 Hilton Honors Bonus Points and a Free Night Reward after you spend $1,000 in purchases on the Card in the first 3 months of Card Membership
1x – 17X up to 17X total Bonvoy points per $1 spent at over 7,000 hotels participating in Marriott Bonvoy® with the Marriott Bonvoy Boundless® Card, 3X on the first $6,000 spent in combined purchases each year on grocery stores, gas stations, and dining and 2X Bonvoy points for every $1 spent on all other purchases
5 Free Nights 5 Free Nights (each night valued up to 50,000 points) after qualifying purchases
2X – 6X 6 Marriott Bonvoy points for each dollar of eligible purchases at hotels participating in the Marriott Bonvoy™ program, 3 points at Worldwide restaurants and on flights booked directly with airlines and 2 points on all other eligible purchases
95,000 points 95,000 Marriott Bonvoy bonus points after you use your new Card to make $6,000 in purchases within the first 6 months of Card Membership
Tips for Using the Wyndham Rewards Card
As a hotel credit card, here are the main ways to leverage it maximize your benefits:
As with most reward credit cards, there are some redemption methods that offer a better value compared to others. This program offers Go Free nights and you can receive a 10% discount on the rates, but there is also Go Fast, which allows you to redeem some points and pay the remainder in cash.
If you want to receive the annual bonus, you need to make sure that you hit the minimum spend requirement throughout the year. This requires $15,000 on eligible purchases during the year. So, watch your spending carefully to ensure that you hit this minimum.
This should go without saying, but before you make any bookings be sure to check the best available prices on the Wyndham website. While third party sites may offer good deals, as a cardholder, you can qualify for some excellent discounts when you book directly.
If you want to redeem your accumulated rewards, you will need to log into your Wyndham Rewards account. You can then explore the redemption options including gift cards and online shopping.
However, you can also search for hotel stays and view a point and a cash cost. You can then proceed with your booking as normal.
The card does require good to excellent credit, but other than that there are no specific requirements. So, if you have decent credit, you should not have any problems getting the Wyndham Rewards Earner card.
This card would not be a good idea if you have no brand loyalty to Wyndham. If you don’t regularly stay at Hotels by Wyndham properties, you will struggle to accumulate rewards and get the best redemption value. In this scenario, you would be better suited to a general travel rewards credit card.