Wyndham Rewards Earner Card Review

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The Wyndham Rewards Earner Card, issued by Barclays, offers a relatively easy-to-earn intro bonus and ongoing perks, making it a great fit for Wyndham loyalists who don’t travel frequently or just want to dip their toes into the world of hotel rewards.

Wyndham Rewards® Earner℠ Card

Overall Rating
3.3
Wyndham Rewards® Earner℠ Card
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.99% variable
Annual Fee $0
Rewards Earning Rate 3 points per $1 spent on eligible purchases at Wyndham. 2 points on eligible gas, utility and grocery store purchases (excluding Target and Walmart). Earn 1 point on other eligible purchases.
INTRO PURCHASE APR 0% for 6 Billing Cycles
Foreign transaction fee (%) 0%
Ratings Breakdown
for Interest
3.2
for Fees
3.6
for Rewards
3.4
for Credit
2.2
Current Offer

Earn 30,000 bonus points, enough for up to 4 free nights at participating properties after spending $1,000 on purchases in the first 90 days. Free nights can require up to 30,000 points per bedroom at participating properties and are subject to availability. Resort fees may apply and cannot be paid with points.

Who Is This Credit Card Best For?

  • Avatar for Deal Seeker Persona
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    Deal Seeker
  • Avatar for Road Warrior Persona
    Hits the road often, whether for work or play See more cards
    Road Warrior
  • Avatar for Adventure Seeker Persona
    Loves to explore places and experience new things See more cards
    Adventure Seeker
  • Avatar for Brand Loyalist Persona
    Frequently shops with a particular merchant and wants to be rewarded for their loyalty See more cards
    Brand Loyalist

The Wyndham Rewards Earner Card is worth considering if you like to stay at Wyndham properties but aren’t sure you want to commit to paying an annual fee. It may also be a good choice if you aren’t loyal to any hotel brand and simply want to try out a hotel credit card.

That said, frequent travelers may not get as much value from this card as other hotel credit cards, and the limited redemption options make it a poor choice for travelers who want flexibility.

Pros
  • Easy-to-earn bonus for new cardholders

  • Annual bonus is easy to achieve

  • Gold elite status benefits

  • High gas rewards rate

  • 0% APR balance-transfer offer

Cons
  • No automatic complimentary anniversary night

  • Low base rewards rate

  • Limited redemption options

Pros Explained

  • Easy-to-earn bonus for new cardholders: The card offers a 30,000-point bonus, which is pretty solid for a card with no annual fee. What’s more, you only have to spend $1,000 in 90 days to earn it, which breaks down to roughly $333 per month.
  • Annual bonus is easy to achieve: You can earn 7,500 bonus points every year when you spend $15,000, a benchmark that the average person could hit in around eight months, according to spending data from the Bureau of Labor Statistics. Only a few other hotel cards without annual fees offer this type of perk.
  • Gold elite status benefits: You’ll automatically get Wyndham Gold status, which comes with a points bonus, preferred room choice, late checkout, and more. The benefits you get from Wyndham’s Gold status are similar to the complimentary status boosts you get with similar hotel cards.
  • High gas rewards rate: Most hotel credit cards reserve their highest rewards rate for purchases made with the hotel chain. While this card does that, it also offers 5 points per dollar on eligible gas purchases. Even some of the top gas credit cards can’t match that.
  • 0% APR balance-transfer offer: New cardholders get 15 months of 0% interest on any balances transferred in the first 45 days. A 0% transfer offer on a hotel card is rare if you aren’t paying an annual fee.

Cons Explained

  • No automatic complimentary anniversary night: If you want the annual 7,500-point bonus, you’ll need to meet a spending requirement to get it. And while that’s a huge perk for a hotel card with no annual fee, most annual-fee hotel cards offer a complimentary anniversary night every year with a cash value that exceeds the annual fee.  
  • Low base rewards rate: Although the card offers great rewards on gas and a decent rate on qualifying grocery and dining purchases, it’s likely that most of your purchases will net you 1 point per dollar, which is mediocre.
  • Limited redemption options: As with any hotel credit card, you won’t get a lot of flexibility when it’s time to use your points. You’ll get the most value out of your points by booking reward nights. While Wyndham also allows you to redeem rewards for other things, the value isn’t great. Travelers who want more options may be better off with a general travel credit card.

Wyndham Rewards Earner Card Bonus for New Cardholders

When you first get the card, you’ll receive a welcome offer of 30,000 bonus points after you spend $1,000 in the first 90 days. Based on data collected by The Balance, the bonus is worth $294. 

The value of your welcome bonus is better than a few similar cards but the Hilton Honors from American Express and the Choice Privileges Visa Signature Card have more valuable bonuses.

Earning Points & Rewards

The Wyndham Rewards Earner Card offers three rewards rates to cardholders:

  • 5 points per dollar on eligible Wyndham and gas purchases
  • 2 points per dollar on dining and grocery purchases
  • 1 point per dollar on everything else.

The grocery category does not include Target and Walmart. 

It’s common for a hotel credit card to offer a high rewards rate on purchases made at the hotel chain’s properties. However, most hotel cards don’t match that rate on another spending category. In this case, you’ll earn an impressive 5 points per dollar on gas, which works to your advantage if you commute to work. If you have a partner or spouse who also commutes to work, it may benefit you to add them as an authorized user so they can have their own card to make gas purchases.

The rewards program’s biggest weakness is the base rate of 1 point per dollar. While it’s not uncommon for a tiered reward program to do this, there are other hotel credit cards that offer better.

Redeeming Rewards

The best way to maximize the value of your rewards is to use them to book reward nights. When you redeem them this way, they’re worth .98 cents each on average, though your actual redemption rate can vary based on the number of points required and the cash value of the stay. 

Wyndham has just three category tiers for a night’s stay at one of its more than 9,000 properties worldwide: 7,500 points, 15,000 points, and 30,000 points. Alternatively, you can combine points and cash starting at 1,500, 3,000, or 6,000 points per night.

Caesars hotels charge resort fees, and you can’t pay for those with points. 

Other redemption options include:

  • Tours and activities: You can use points to book local experiences at your destination at a rate of 0.35 cent per point, in some cases. For example, an airboat tour of the Everglades started at $30, or 8,571 points.
  • Gift cards: Wyndham Rewards members can use their rewards to buy gift cards to use at a long list of retailers and restaurants. Redemption values range hover around 0.36 and 0.37 cent per point.
  • Marathon Gas: You can fuel up your car at a Marathon Gas station and use points to get discounts, though it’s unclear what the redemption rate is.
  • Merchandise: Using travel rewards to buy merchandise is common, but you typically won’t get much value using your points that way. For example, you can purchase a Costco membership certificate for 18,693 points. It normally costs $60 for a year, so that redemption gives you just 0.32 cent per point.
  • Charitable donations: If you want to do some good with your points, you can donate to several different nonprofit organizations starting at 500 points.
  • Maintenance and exchange fees: If you own a Wyndham timeshare, you can use your points to pay for various maintenance and exchange fees at a rate of 0.5 cent per point. 

Transferring Points

In addition to redeeming your rewards directly with Wyndham, you also have the option to transfer your points to some of the hotel chain’s 14 hotel, shopping, and airline partners. Unfortunately, most of the transfer ratios are significantly lower than the 1:1 standard for good travel cards, so you won’t get much value. Domestic travelers can get a 5:1 transfer rate on United, Hawaiian Airlines, and Frontier miles. The best transfer option is moving your points to Caesar Rewards because it’s a 1:1 ratio.

How to Get the Most Out of This Card

For starters, track your spending as you work to meet the card’s minimum spending requirement to earn the welcome bonus. Because it’s only $1,000 over three months, it shouldn’t be too difficult.

Also, if you have more than one credit card you use regularly, make sure you know when to use the Wyndham Rewards Earner Card to maximize your rewards, especially on gas purchases. If you have a card that offers a better rate on dining and groceries, though, use that card instead.

When it comes time to redeem your rewards, you’ll get far more value from reward nights, on average, than other options. If you want to dive deeper into points values, you can always calculate the value of your redemption by dividing the cash value of a stay by the number of points required to book a reward night. 

Wyndham Rewards Earner Card’s Excellent Perks 

The card offers one benefit , which is impressive for a card of this caliber:

  • Status upgrade: As a cardholder, you’ll automatically become a Gold member, which comes with a preferred room choice, 10% more points on Wyndham bookings when you pay with cash, late checkout, and a dedicated member services line.

Other Features

  • go free program offers 10% discount on points bookings at certain properties

Customer Experience

Barclays was ranked No. 9 out of 11 national credit card issuers for customer satisfaction in a 2020 J.D. Power study. The card issuer’s 796-point rating was below the average of 810.

The bank offers complimentary FICO score access to its cardholders, and you can also reach a customer service agent 24/7 if you have any questions or concerns.

Security Features 

Barclays employs several standard security measures to protect cardholders from fraud. This includes two-factor authentication for your online account, zero -liability for fraudulent purchases, and contactless technology. You can also lock your card from the Barclays US mobile app, which can help if you’ve misplaced the card or you want to keep yourself or others from using it.

Wyndham Rewards Earner Card’s Fees

The Wyndham Rewards Earner Card doesn’t charge any fees that are out of the ordinary for similar credit cards.

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CURRENT CARD
Wyndham Rewards® Earner℠ Card
overall rating
3.3
Recommended Credit
Score Our recommended ranges are based off of the FICO® Score 8 credit-scoring model. Credit score is one of the many factors lenders review in considering your application.
350 579
580 669
670 739
740 799
800 850
Good - Excellent
Regular APR (%) 15.74% - 24.99% variable
Annual Fee $0
Rewards Earning Rate 3 points per $1 spent on eligible purchases at Wyndham. 2 points on eligible gas, utility and grocery store purchases (excluding Target and Walmart). Earn 1 point on other eligible purchases.
Our Methodology
At The Balance, we are dedicated to giving you unbiased, comprehensive credit card reviews. To do this, we collect data on hundreds of cards and score more than 55 features that affect your finances.
  • Our Reviews Are Always Impartial: No one can influence which cards we review, the way we present them to you, or the ratings they receive. The scores and reviews come directly from the data we collect and our editorial expertise, and we focus on three areas:
  • How Much Does It Cost? With credit card debt at an all-time high, we believe you should know the cost of carrying a balance. Because of that, we give regular purchase APRs significant weight in overall scores, and cards receive low marks if they have an array of pricey fees.
  • What Are the Rewards Worth? Cards accumulate rewards in different currencies—points, miles, cash back—and their values vary widely. To simplify the problem, we built a system that fairly compares rewards and gives them a dollar value. We do this by looking at the ways you can earn and use rewards, which includes evaluating Americans’ typical spending habits and analyzing common travel patterns.
  • Does It Make Your Life Easier? Our scoring system favors cards that accept a wide range of credit profiles and offer simple solutions for things like checking your credit score or contacting customer service. Finally, we give preference to credit cards that have several tools for dealing with fraudulent charges.
  • For every review on The Balance, we hold the credit cards to these standards, and we set the bar high. While we recognize the appeal of splashy features like six-digit sign-up bonuses, our approach ensures that credit cards with the best combination of value, affordability, and accessibility receive the highest scores. See our full methodology for more details.

Article Sources

The Balance requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .
  1. U.S. Bureau of Labor Statistics. "Consumer Expenditures—2019." Accessed Nov. 24, 2020.

  2. Wyndham Rewards. "Wyndham Rewards Earner Card." Accessed Nov. 24, 2020.

  3. Wyndham Rewards. "How to Redeem Points." Accessed Nov. 24, 2020.

  4. Wyndham Rewards. "Discover the Best of Everglades National Park, FL." Enter "Everglades" into the search bar. Accessed Nov. 24, 2020.

  5. Wyndham Rewards. "Gift Cards." Accessed Nov. 24, 2020.

  6. Wyndham Rewards. "Wyndham Rewards Catalog - Costco 1 Year Membership Activation." Accessed Nov. 24, 2020.

  7. Wyndham Rewards. "Wyndham Rewards Catalog - Save the Children." Accessed Nov. 24, 2020.

  8. Wyndham Rewards. "Maintenance Fees." Accessed Nov. 24, 2020.

  9. J.D. Power. "2020 U.S. Credit Card Satisfaction Study." Accessed Nov. 24, 2020.