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Our illustration in the card’s colours, not its design

Barclays credit card

Wyndham Rewards Earner® Card

  • Bonus down · 75,00045,000 · Nov 1, 2026

No annual fee. 45,000 Wyndham Rewards points after you spend $2,000 in 3 months. Purchase APR 19.49–29.99%, variable.

Checked Nov 8, 2026Updated

Welcome offer
Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

Barclays’s terms

Welcome offer

45,000 points

After you spend $2,000 on purchases in your first 3 months.

Spending it takes
$667 a month
for 3 months
Tracking since
Nov 1, 2026
history will chart every change

Earn 45,000 bonus points after spending $2,000 on qualifying purchases in the first 90 days. Timeshare down payment purchases do not qualify. Free nights can require up to 45,000 points per bedroom and are subject to availability. Resort fees may apply and cannot be paid with points.

  • Below its best earlier offer we’ve seen: 75,000 Wyndham Rewards points.

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.

SpendingValue against the feeFirst yearAfter
Light spender$335$110
Typical spender$485$260
Heavy spender$805$580
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: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); not counted: 3x Vacation Club purchases (excluding Vacation Club down payments); points valued at an assumed 0.5¢.

$110a year

$335 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); not counted: 3x Vacation Club purchases (excluding Vacation Club down payments); points valued at an assumed 0.5¢.

$260a year

$485 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); not counted: 3x Vacation Club purchases (excluding Vacation Club down payments); points valued at an assumed 0.5¢.

$580a year

$805 the first year, with the welcome bonus.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500. Assumed: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); not counted: 3x Vacation Club purchases (excluding Vacation Club down payments); points valued at an assumed 0.5¢.

Use your own spending

Estimates from the published terms above, as checked Nov 8, 2026; not advice. How we value cards

Against the market

How it compares

Worth more to a typical spender than about 65% of the 732 cards we track.

  • No annual fee, like about 85% of the 711 cards we track.

Other points cards with no annual fee

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

5×
Hotels by Wyndham, including Wyndham Travel Bundles
3×
Vacation Club purchases (excluding Vacation Club down payments)dining purchasesgrocery store purchases (excluding Target and Walmart)
1×
Everything else

Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.

Benefits

  • Automatic Wyndham Rewards GOLD member level
  • GOLD level perks include free WiFi, preferred room selection and late checkout.
  • Cardmember Booking Discount on the Standard Rate at participating Hotels by Wyndham.
  • Save 15% (or best available offer) when purchasing Wyndham Rewards points online with the card, for purchases of at least 3,000 points per transaction; annual purchase cap of 100,000 points per calendar year.
  • No foreign transaction fees on international purchases.
All 7 benefits
  • $0 Fraud Liability protection: not responsible for charges you did not authorize.
  • Chip and contactless (Tap to Pay) technology.

Changes

75,000 Wyndham Rewards points45,000 Wyndham Rewards points since Nov 1Sep 29Today
  • Nov 1, 2026 Bonus 75,00045,000

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
Purchase APRvariable
Intro APR6 billing cycles
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. 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).
  2. 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?
$0 · 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?
19.49–29.99% APR · cards.barclaycardus.com, since Sep 29, 2026
Is there an intro APR?
0% on Wyndham Timeshare Purchases for 6 billing cycles. · cards.barclaycardus.com, since Nov 1, 2026
Is there a welcome bonus?
45,000 Wyndham Rewards points after $2,000 in purchases in 3 months. · cards.barclaycardus.com, since Nov 1, 2026
See it on cards.barclaycardus.com

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