Barclays Wyndham Rewards Earner Plus Card

Quick Snapshot

• Annual Fee: $75
• APR: 20.24%–29.99% variable
• Rewards: 6x on Wyndham/gas, 4x dining/grocery, 1x everything else
• Bonus: 45,000 bonus points after $1,000 spend in 90 days
• Best For: Frequent Wyndham guests, road trippers, elevated hotel rewards
• Credit Needed: Good to Excellent (690+)

Overview

The Wyndham Rewards Earner Plus Card is the upgraded version of the standard Earner Card, offering enhanced earning rates, a larger welcome bonus, and complimentary Platinum elite status for a modest $75 annual fee. This card is designed for travelers who stay at Wyndham properties regularly and want to maximize their points earning on both hotel stays and everyday spending.

What makes the Earner Plus compelling is its elevated earning structure: 6x points on gas stations and Wyndham hotels, plus 4x on dining and groceries. Combined with Wyndham's generous redemption structure (free nights starting at 7,500 points), these accelerated rates help you earn free hotel stays faster than most competing hotel cards.

The Platinum elite status is a significant perk, typically requiring 30 paid nights to earn through regular stays. With Platinum status, you'll enjoy room upgrades, guaranteed 3 PM late checkout, earned points bonuses, and other benefits that enhance every Wyndham stay—making the $75 annual fee worthwhile for anyone staying at Wyndham properties 3–4+ times per year.

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 provides debt consolidation value while earning elevated hotel rewards.

Benefits Overview

Travel Benefits

• Wyndham Rewards Platinum Status: Complimentary Platinum elite status as long as you hold the card
• 6x Wyndham Rewards points on eligible purchases at Wyndham Hotels & Resorts
• 6x Wyndham Rewards points on gas station purchases
• 4x Wyndham Rewards points on eligible dining purchases
• 4x Wyndham Rewards points on eligible grocery purchases
• 15% discount on points redemptions when you have cardholder status
• 10% bonus points on all eligible stays with Platinum status
• Anniversary bonus: 6,000 points on each card anniversary (worth ~$40–$60)
• 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

Platinum Elite Status Benefits

• 10% bonus points on eligible stays
• Room upgrades when available (including suites)
• Guaranteed 3 PM late checkout (vs 2 PM for Gold)
• Earned points bonus: 10% bonus on points earned during stays
• Complimentary premium internet access
• Dedicated Platinum member support line
• Priority consideration for preferred rooms

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

• 6x points per dollar on eligible gas station purchases
• 6x points per dollar at Wyndham Hotels & Resorts
• 4x points per dollar on eligible dining purchases
• 4x points per dollar on eligible grocery store purchases
• 1x point per dollar on all other purchases
• 10% Platinum 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. The 6x gas earning and 4x dining/groceries rates are among the highest in the no-premium-fee hotel card category.

Welcome Bonus

Earn 45,000 bonus points after spending $1,000 on purchases within the first 90 days of account opening.

45,000 points can be redeemed for 3–6 free nights at Wyndham properties, depending on the category and season. With free nights starting at just 7,500 points at many properties, this welcome bonus provides substantial value—potentially $300–$600 worth of free hotel stays. This is 50% more points than the standard Earner Card, making it an excellent value for the additional $75 annual fee.

Fees Summary

• Annual Fee: $75 (not waived first year)
• 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

• Frequent Wyndham guests who stay 3–4+ times per year
• Road warriors who spend heavily on gas (maximize 6x earning)
• Road trip families combining gas, dining, and hotel spending
• RV travelers who fill up frequently and stay at Wyndham properties
• Dining and grocery optimizers who want 4x on everyday categories
• Those wanting Platinum elite status without earning 30 qualifying nights
• Domestic travelers who prefer hotel chains over Airbnb
• Budget hotel travelers who maximize value at economy Wyndham properties
• Balance transfer seekers who also want to earn elevated hotel rewards

Not Good For

• Occasional Wyndham guests (less than 2–3 stays per year—get the $0 fee Earner instead)
• Luxury hotel seekers (Wyndham portfolio is economy to mid-tier)
• Those wanting flexible transfer partners (points locked to Wyndham)
• Those who don't drive regularly (won't maximize 6x 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 or hotel credits

Key Pros & Cons

Pros

• Affordable $75 annual fee delivers strong value for frequent Wyndham guests
• Elevated 6x earning rate on gas stations and Wyndham hotels (among highest in category)
• Strong 4x earning on dining and grocery stores (double the base Earner Card)
• 45,000-point welcome bonus worth 3–6 free nights
• Complimentary Wyndham Rewards Platinum status (typically requires 30 paid nights)
• 6,000 anniversary bonus points every year (worth ~$40–$60, nearly covers annual fee)
• 15-month 0% intro APR on balance transfers
• Free nights available starting at just 7,500 points
• 15% discount on points redemptions with cardholder status
• 10% Platinum status bonus points on eligible stays
• Guaranteed 3 PM late checkout with Platinum status
• Room upgrades including suites when available
• No foreign transaction fees
• 9,000+ Wyndham properties worldwide across 24 brands

Cons

• $75 annual fee (though anniversary bonus nearly offsets it)
• 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 4x earning limited to eligible merchants
• High variable APR (20.24%–29.99%) if carrying a balance
• 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)
• Limited value if you don't stay at Wyndham regularly

Alternatives to Consider

Card	Best For	Annual Fee	Rewards	Welcome Bonus
Wyndham Rewards Earner	Occasional Wyndham guests	$0	5x Wyndham/gas, 2x dining/groceries	30,000 points + Gold status
IHG One Rewards Premier	IHG hotel loyalists	$99	5x–25x IHG, 2x elsewhere	140,000 points
Hilton Honors Surpass	Hilton stays with upgrades	$150	12x Hilton, 6x groceries/gas	130,000 points + Gold status
Marriott Bonvoy Bold	Marriott stays, no annual fee	$0	3x–14x Marriott, 2x elsewhere	50,000 points

How the Rewards Add Up

Example Annual Value

Assuming you stay at Wyndham 5 times per year and spend $18,000 annually:

Category	Annual Spend	Reward Rate	Earned Value
Gas stations	$3,000	6x points	18,000 points ($108)
Wyndham hotels	$2,500	6x points + 10% Platinum bonus	16,500 points ($99)
Dining	$4,200	4x points	16,800 points ($101)
Groceries	$6,000	4x points	24,000 points ($144)
All other purchases	$2,300	1x points	2,300 points ($14)
Welcome bonus (first year)	—	—	45,000 points ($270)
Anniversary bonus	—	—	6,000 points ($40)
Platinum status benefits	5 stays	10% bonus + upgrades	~$100 value

First Year Total Value: $876
Ongoing Annual Value: $606

Minus $75 annual fee = $531 net annual value (after first year)

Strategic Redemption Example:

Redeeming all 83,600 first-year points (including welcome and anniversary bonuses) at properties requiring 7,500 points per night = 11 free nights worth $660–$1,100 in value, depending on cash rates.

The 6,000-point anniversary bonus alone is worth $40–$60, which nearly covers the $75 annual fee before you even consider the elevated earning rates and Platinum status benefits.

Should You Get This Card?

You Should Get It If...

• You stay at Wyndham properties 3–4+ times per year
• You drive regularly and spend $2,500+ annually on gas (maximize 6x earning)
• You want Platinum elite status benefits without earning 30 qualifying nights
• You spend heavily on dining and groceries (maximize 4x earning)
• You take frequent road trips combining gas, dining, and hotel spending
• You prefer budget and mid-tier hotels where points go further
• You're looking for elevated hotel earning rates without a high annual fee
• You value the 6,000 anniversary bonus that nearly offsets the annual fee
• You want room upgrades and guaranteed 3 PM late checkout

You Should Skip It If...

• You stay at Wyndham less than 3 times per year (get the $0 fee Earner Card instead)
• 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 lounge access or resort credits
• You rarely stay at hotels during your travels

Apply Now

Apply for Wyndham Rewards Earner Plus Card

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