Our illustration in the card’s colours, not its design
Barclays credit card
Wyndham Rewards Earner® Business Card
- Bonus down · 100,000 to 45,000 · Nov 1, 2026
$149 a year. 45,000 points after you spend $3,000 in 3 months. Purchase APR 19.74–29.74%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Earn 45,000 bonus points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Annual Fee is $149.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Purchases – 19.74% to 29.74%, based on your creditworthiness and other factors.”
- Foreign transactions
- Receipt · Foreign transactionsChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Foreign transaction fee: 0%.”
Select an underlined figure to see where it comes from.
Barclays’s terms
Welcome offer
45,000 points
After you spend $3,000 on purchases in your first 3 months.
- Spending it takes
- $1,000 a month
- for 3 months
- Tracking since
- Nov 1, 2026
- history will chart every change
Earn 45,000 bonus points after spending $3,000 on qualifying purchases and paying the annual fee in full in the first 90 days. Timeshare down payment purchases do not qualify. Free nights can require up to 45,000 points per bedroom at participating properties and are subject to availability.
- Larger than about 70% of the 44 other points bonuses we track.
In dollars
What it’s worth
Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.
| Spending | Value against the fee | First year | After |
|---|---|---|---|
| Light spender | $160 | −$65 | |
| Typical spender | $275 | $50 | |
| Heavy spender | $605 | $380 |
The spending each assumes, and what isn’t counted
- Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month
Assumed: not counted: 5x advertising purchases; not counted: 5x marketing purchases; not counted: 5x office supply store purchases; not counted: 5x shipping purchases; points valued at an assumed 0.5¢.
−$65a year
$160 the first year, with the welcome bonus.
Rewards and credits$85
−$65 after the fee−$150 annual fee
The spending this assumes
A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: not counted: 5x advertising purchases; not counted: 5x marketing purchases; not counted: 5x office supply store purchases; not counted: 5x shipping purchases; points valued at an assumed 0.5¢.
$50a year
$275 the first year, with the welcome bonus.
Rewards and credits$200
You keep $50−$150 annual fee
The spending this assumes
A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: not counted: 5x advertising purchases; not counted: 5x marketing purchases; not counted: 5x office supply store purchases; not counted: 5x shipping purchases; points valued at an assumed 0.5¢.
$380a year
$605 the first year, with the welcome bonus.
Rewards and credits$530
You keep $380−$150 annual fee
The spending this assumes
A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: not counted: 5x advertising purchases; not counted: 5x marketing purchases; not counted: 5x office supply store purchases; not counted: 5x shipping purchases; points valued at an assumed 0.5¢.
Use your own spending
Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards
Against the market
How it compares
Worth more to a typical spender than about 60% of the 732 cards we track.
Other points cards with fees up to $300
- WealthRegions · $125 a year+$575 a year
- Hilton Honors American Express SurpassAmerican Express · $150 a year+$450 a year
- Business Essentials PlusUS Bank · $295 a year+$365 a year
Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Wyndham Rewards
How you earn
- 8×
- eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles
- 5×
- eligible Vacation Club purchasesgas purchasesEV charging purchasesmarketing purchasesadvertising purchasesoffice supply store purchasesshipping purchases
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Wholesale Membership Club Credit: $65 annual
- Automatic Wyndham Rewards DIAMOND member level
- Suite upgrades and welcome amenity at check-in at select hotels (DIAMOND member benefits)
- Cardmember Booking Discount on Standard Rate at participating Hotels by Wyndham
- Redeem 20% fewer Wyndham Rewards points when booking free nights starting at 4,000 points
All 13 benefits
- Anniversary bonus of 15,000 bonus points each anniversary year after annual fee payment
- Unlimited earning: no limit to the number of points you can earn
- No foreign transaction fees on international purchases
- Complimentary Employee Cards at no additional cost
- Visa SavingsEdge turns qualifying business purchases into savings (see visasavingsedge.com)
- Contactless Tap to Pay
- Extended warranty
- Other
Changes
- Nov 1, 2026 Bonus 100,000 to 45,000
Only changes that held for at least three days on both sides count; one-day blips in a reading don’t.
Every figure with its receipt
Rates and fees
| Annual fee | Receipt · Annual feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Annual Fee is $149.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Purchases – 19.74% to 29.74%, based on your creditworthiness and other factors.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Balance transfers – 19.74% to 29.74%, based on your creditworthiness and other factors.” |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Balance transfers – Either $5 or 3% of the amount of each transfer, whichever is greater.” |
| Cash advance APR | Receipt · Cash advance APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “The variable APR for cash advances is 29.99%.” |
| Cash advance fee | Receipt · Cash advance feeChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Either $10 or 3% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “For Account balances equal to or greater than $250: $39 .” |
| Foreign transactions | Receipt · Foreign transactionsChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Foreign transaction fee: 0%.” |
| Grace period | Receipt · Grace periodChecked Nov 1, 2026 Issuer's page · barclaycardus.com “At least 20 days Grace Period for Purchases from the Statement Closing Date on your periodic statement (provided you pay your previous balance in full by the due date).” |
| Minimum interest charge | Receipt · Minimum interest chargeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
Before you apply
- What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
- Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)
Questions
- What is the annual fee?
- $149 · cards.barclaycardus.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 0% of each transaction in U.S. dollars.. · cards.barclaycardus.com, since Oct 8, 2026
- What is the purchase APR?
- 19.74–29.74% APR · cards.barclaycardus.com, since Oct 1, 2026
- Is there an intro APR?
- 0% for 6 billing cycles from the transaction date on all Qualifying Wyndham Timeshare Purchases. · cards.barclaycardus.com, since Sep 29, 2026
- Is there a welcome bonus?
- 45,000 points after $3,000 in purchases in 3 months. · cards.barclaycardus.com, since Nov 1, 2026