Barclays Wyndham Rewards Earner Card

Quick Snapshot

• Annual Fee: $0
• APR: 20.24%–29.99% variable
• Rewards: 5x on gas/Wyndham hotels, 2x dining/grocery, 1x everything else
• Bonus: 30,000 bonus points after $1,000 spend in 90 days
• Best For: Road trippers, budget hotel stays, no-fee hotel rewards
• Credit Needed: Good to Excellent (690+)

Overview

The Wyndham Rewards Earner Card is an excellent no annual fee hotel credit card for travelers who stay at Wyndham properties and want to maximize everyday spending on gas, dining, and groceries. With 5x points on gas stations and Wyndham hotels, this card stands out among no-fee travel cards by offering category bonuses that align perfectly with road trip travel.

Wyndham Rewards is one of the most generous hotel loyalty programs, with free nights starting at just 7,500 points at many properties. This means the 30,000-point welcome bonus alone can get you up to 4 free nights. Combined with Gold elite status (which typically requires 15 paid nights), this no-fee card punches well above its weight class.

Whether you're a road warrior who fills up frequently, a family taking road trips to Wyndham properties, or someone who appreciates strong everyday earning categories, this card delivers consistent value without an annual fee commitment.

APR Breakdown

• Purchase APR: 20.24%–29.99% variable
• Balance Transfer APR: 0% intro APR for 15 months on balance transfers made within 45 days of account opening, then 20.24%–29.99% variable
• Cash Advance APR: 29.99% variable
• Penalty APR: None specified
• Balance Transfer Fee: Either $5 or 5% of the amount of each transfer, whichever is greater

Note: Extended 15-month 0% intro APR on balance transfers adds debt consolidation value while earning hotel rewards.

Benefits Overview

Travel Benefits

• Wyndham Rewards Gold Status: Complimentary Gold elite status as long as you hold the card
• 5x Wyndham Rewards points on eligible purchases at Wyndham Hotels & Resorts
• 5x Wyndham Rewards points on gas station purchases
• 2x Wyndham Rewards points on eligible dining purchases
• 2x Wyndham Rewards points on eligible grocery purchases
• 15% discount on points redemptions when you have cardholder status
• Go Fast Rewards: Check-in online and skip the front desk at select properties
• No foreign transaction fees
• Trip cancellation/interruption insurance
• Trip delay insurance (12+ hours or overnight stay)
• Baggage delay insurance (6+ hours)
• Auto rental collision damage waiver (secondary coverage)

Everyday Benefits

• Purchase protection against damage or theft
• Extended warranty protection (adds 1 year)
• Points never expire as long as account is open or you have activity every 18 months
• Zero fraud liability protection
• 24/7 customer service

Gold Elite Status Benefits

• 10% bonus points on eligible stays
• Room upgrades (when available)
• Late checkout at 2 PM (when available)
• Dedicated member support line
• Complimentary premium internet access

Lifestyle Benefits

• Free Night Certificates: Redeem points for free nights starting at 7,500 points
• Wyndham Rewards Network: Earn and redeem at 9,000+ hotels worldwide across 24 brands
• Access to exclusive cardholder offers and promotions

Rewards & Earning Structure

• 5x points per dollar on eligible gas station purchases
• 5x points per dollar at Wyndham Hotels & Resorts
• 2x points per dollar on eligible dining purchases
• 2x points per dollar on eligible grocery store purchases
• 1x point per dollar on all other purchases
• 10% Gold status bonus on eligible Wyndham stays
• 15% discount on points redemptions with cardholder status
• No caps or limits on points earned
• Points never expire with account activity every 18 months
• Redemption: Free nights at 9,000+ Wyndham properties worldwide

Wyndham Rewards points are valued at approximately 0.5–1 cent per point depending on redemption, with sweet spots at economy properties where points go further.

Welcome Bonus

Earn 30,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening.

30,000 points can be redeemed for 2–4 free nights at Wyndham properties, depending on the category. With free nights starting at just 7,500 points at many properties, this welcome bonus provides substantial value—potentially $200–$400 worth of free hotel stays with no annual fee required.

Fees Summary

• Annual Fee: $0
• Foreign Transaction Fee: $0
• Balance Transfer Fee: Either $5 or 5% of the amount transferred, whichever is greater
• Cash Advance Fee: Either $10 or 5% of the amount, whichever is greater
• Late Payment Fee: Up to $40
• Returned Payment Fee: Up to $40

Who This Card Is Best For

Ideal For

• Road trippers who spend significantly on gas (maximize 5x earning)
• Budget hotel travelers who stay at economy and mid-tier Wyndham properties
• Families on road trips combining gas, dining, and hotel spending
• RV travelers who fill up frequently and stay at Wyndham properties
• Domestic travelers who prefer hotel chains over Airbnb
• Those wanting complimentary elite status without annual fees or qualifying nights
• Grocery and dining spenders who want 2x on everyday categories
• Balance transfer seekers who also want to earn hotel rewards

Not Good For

• Luxury hotel seekers (Wyndham portfolio is economy to mid-tier)
• Those wanting flexible transfer partners (points locked to Wyndham)
• Infrequent travelers who won't accumulate enough points for redemptions
• Those who don't drive regularly (won't maximize 5x gas earning)
• Premium hotel loyalists focused on Marriott, Hilton, or Hyatt
• Balance carriers (high APR makes carrying balances expensive)
• Those seeking premium travel benefits like lounge access

Key Pros & Cons

Pros

• No annual fee makes it accessible for long-term use
• Strong 5x earning rate on gas stations and Wyndham hotels
• 2x earning on dining and grocery stores (valuable everyday categories)
• 30,000-point welcome bonus worth 2–4 free nights
• Complimentary Wyndham Rewards Gold status (typically requires 15 paid nights)
• 15-month 0% intro APR on balance transfers
• Free nights available starting at just 7,500 points (exceptional value at economy properties)
• 15% discount on points redemptions with cardholder status
• 10% Gold status bonus points on eligible stays
• No foreign transaction fees
• Points never expire with regular account activity
• 9,000+ Wyndham properties worldwide across 24 brands

Cons

• Wyndham portfolio is primarily economy to mid-tier hotels (limited luxury options)
• Points can only be redeemed at Wyndham properties (no transfer partners)
• 1x earning rate on non-bonus categories is basic
• Gas station category may not include warehouse clubs or supermarkets with pumps
• Dining and grocery 2x earning limited to eligible merchants
• High variable APR (20.24%–29.99%) if carrying a balance
• Gold status benefits are modest compared to higher elite tiers
• Room availability for free night redemptions may be limited at peak times
• Points valuation can be inconsistent (0.5–1 cent per point depending on property)

Alternatives to Consider

How the Rewards Add Up

Example Annual Value

Assuming you take 4 road trips per year and spend $15,000 annually:

First Year Total Value: $427
Ongoing Annual Value: $247

With no annual fee, you keep 100% of the value earned. If you redeem strategically at lower-tier Wyndham properties where points go further, you can achieve even better returns—potentially 1 cent per point or more, doubling the effective value.

Strategic Redemption Example:

Redeeming all 40,200 first-year points (including welcome bonus) at properties requiring 7,500 points per night = 5 free nights worth $400–$500.

Should You Get This Card?

You Should Get It If...

• You drive regularly and spend $2,000+ annually on gas (maximize 5x earning)
• You stay at Wyndham properties 2–4 times per year
• You want complimentary Gold elite status without paying an annual fee
• You spend significantly on dining and groceries (maximize 2x earning)
• You take road trips and value gas station rewards
• You prefer budget and mid-tier hotels over luxury properties
• You're looking for 15-month 0% balance transfer intro period while earning travel rewards
• You want simple hotel rewards without annual fee commitment

You Should Skip It If...

• You rarely drive or don't spend much on gas
• You prefer luxury hotels over economy/mid-tier properties
• You want flexible travel rewards that transfer to multiple hotel programs
• You're loyal to Marriott, Hilton, or Hyatt instead of Wyndham
• You need higher earning rates on general purchases (1x is basic)
• You carry balances month-to-month (20–30% APR is expensive)
• You want premium hotel benefits like suite upgrades or lounge access
• You rarely stay at hotels during your travels

Apply Now

Apply for Wyndham Rewards Earner Card

Information accurate as of December 2025. Terms and conditions apply. Please visit the issuer's website for the most current information.