Wyndham Rewards Earner Card

Earning Rates

Key Benefits

All Benefits

• Earn 30,000 bonus Wyndham Rewards points after spending $1,000 on purchases in the first 90 days from account opening (enough for up to 4 free nights at participating Wyndham properties when redeemed at the 7,500-points-per-bedroom Free Night minimum; Free Nights cap at 30,000 points per bedroom, are subject to availability, and resort fees still apply and cannot be paid with points)
• $0 annual fee for the life of the account (this is the entry-tier no-fee Wyndham card; the $75-AF Earner Plus and $95-AF Earner Business are separate products)
• Issued by Barclays Bank Delaware on the Visa Signature network under license from Visa U.S.A. Inc. (the Barclays product page explicitly states Wyndham Rewards Visa Signature; cardholders who do not qualify at the Visa Signature credit tier may instead be issued the Visa Platinum variant with reduced benefits, per the issuer's fine print)
• Earn 5 points per $1 spent on eligible purchases made at Hotels by Wyndham (any of the 20+ Wyndham brands such as Days Inn, Super 8, La Quinta, Wyndham Garden, Wyndham Grand, Ramada, Microtel, Howard Johnson, Travelodge, Wingate, etc.) and on qualifying gas purchases
• Earn 2 points per $1 spent on eligible dining and grocery store purchases, excluding Target and Walmart (Barclays codes those two retailers as discount stores rather than grocery, even when grocery is purchased there)
• Earn 1 point per $1 spent on all other purchases, explicitly excluding Wyndham Timeshare resort down payments which do not earn points (the card otherwise carries no spend caps and earning is unlimited)
• Earn 7,500 bonus Wyndham Rewards points each account anniversary year, but only if you spend at least $15,000 on eligible purchases during that anniversary year (this is the gated anniversary bonus; the original ungated 6,000-point anniversary bonus was replaced with the spend-gated 7,500-point version; enough for up to one free night at the 7,500-point Wyndham tier)
• Automatic Wyndham Rewards GOLD Member Level for as long as you are a cardholder (NOT Platinum and NOT Diamond; the personal Earner Plus confers Platinum and the business Earner confers Diamond, while this entry-tier Earner only confers Gold)
• Wyndham Rewards Gold on-property perks: free Wi-Fi, preferred room selection, late checkout, and member-only benefits (per the Wyndham Rewards Member Levels program; specific perks are subject to participating properties)
• Cardmember discount on the Best Available Rate at participating Hotels by Wyndham when booking direct through Wyndham channels (small percentage-off room rate, marketed on the Barclays product page)
• Wyndham Rewards points do not expire as long as the loyalty account remains active with qualifying activity at least once every 18 months (per Wyndham Rewards program terms, not specific to this card but applies to all points earned with it)
• No foreign transaction fees on international purchases (confirmed in the Barclays Interest Rates and Charges Summary at the bottom of the issuer product page: Foreign transaction fee 0%)
• 0% promotional APR for 6 billing cycles on Wyndham Timeshare Purchases made on the card, then the go-to variable purchase APR of 19.24% to 29.49% based on creditworthiness (see Barclays Terms and Conditions for the specific Wyndham Timeshare Purchase classification)
• 0% introductory APR for 15 billing cycles on balance transfers that post within 45 days of account opening, then the variable APR of 19.24% to 29.49%; balance transfer fee is 5% with a $5 minimum
• Cash advance variable APR of 29.74% (varies with Prime Rate); cash advance fee 5% with a $10 minimum; minimum monthly interest charge $0.50
• Chip-and-contactless Visa Signature card with $0 Fraud Liability protection for unauthorized charges (per the Barclays Benefits section)
• Visa Signature network benefits as elected by Barclays in the card's Guide to Benefits (Visa Signature baseline includes Roadside Dispatch pay-per-use, Travel and Emergency Assistance referral services, and the Visa Signature Luxury Hotel Collection; Barclays does not advertise issuer-optional protections like auto rental CDW, trip cancellation, baggage delay, purchase protection, or extended warranty on this card, so cardholders should consult their personal Guide to Benefits before relying on any specific coverage)
• 10% Free Night discount on award redemptions: NOT offered on this card. The 10%-off Free Night discount is exclusive to Earner Plus and Earner Business cardholders; the no-fee Earner card pays the full standard Wyndham award rate (this is the headline differentiator vs the Earner Plus)
• Annual Free Night certificate: NOT offered. Unlike the Earner Plus / Earner Business, this no-fee Earner does not grant an annual Free Night award certificate of any kind
• 10% rebate on gas purchases / gas statement credits: NOT offered. The 10% rebate on the first $6,000 of annual gas spend (delivered as Wyndham points or as a statement credit) is an Earner Business feature, not an Earner feature
• Wyndham Rewards PLATINUM or DIAMOND status: NOT offered. Earner cardholders top out at GOLD; Platinum requires Earner Plus and Diamond requires the Earner Business card
• Caesars Rewards status match via credit card status: NOT offered. Wyndham ended the ability for cardholders to match credit-card-derived status (Gold, Platinum, or Diamond) into Caesars Rewards effective February 1, 2025 (only Wyndham status earned through paid stays still matches into Caesars; documented by Doctor of Credit's November 10, 2024 announcement)
• Vacasa booking perks and 5,000-point-per-Vacasa-stay benefit: NOT offered going forward. Wyndham and Vacasa ended their partnership in late 2025 following Vacasa's acquisition by Casago; new Vacasa reservations via Wyndham could be booked through November 30, 2025 with checkout by January 31, 2026 (per Doctor of Credit, October 30, 2025), so any historical Vacasa cardholder perks are no longer in market
• Airport lounge access: NOT offered (no Priority Pass, no Wyndham-sponsored lounge access, no lounge credits on this card)
• Airline elite status, Hilton/Marriott/Hyatt/IHG status, or any complimentary status outside Wyndham: NOT offered (the only complimentary loyalty status conferred is Wyndham Rewards GOLD)
• Annual statement credits of any kind (travel, dining, streaming, rideshare, Wyndham, gas, Global Entry/TSA PreCheck): NOT offered. Barclays does not provide any recurring statement credits on this card; the value proposition is multiplier points + Gold status + the welcome bonus, not credits
• Cell phone protection: NOT offered. Barclays does not list cellphone protection in the Wyndham Rewards Earner Card benefits section
• Wyndham Rewards points value benchmark: independent loyalty programs typically value Wyndham Rewards points at roughly 1.0 cent per point against the 7,500-point Free Night floor, though actual cents-per-point varies widely by property and cash rate; this card is generally a strong everyday earner only for cardholders who actually stay at Wyndham properties and burn at 7,500-point Free Night tiers