Our illustration in the card’s colours, not its design
Barclays credit card
Wyndham Rewards Earner® Plus Card
- Bonus down · 100,000 to 90,000 · Nov 1, 2026
$95 a year. 90,000 points welcome bonus. Purchase APR 19.49–29.99%, variable.
Checked Nov 1, 2026Updated
- Welcome offer
- Receipt · Welcome offerChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Earn up to 90,000 bonus points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Annual Fee is $95.”
- Purchase APR · variable
- Receipt · Purchase APRChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Purchases – 19.49% to 29.99%, 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
90,000 points
Earn 45,000 bonus points after spending $1,000 on qualifying purchases in the first 90 days, and 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
Timeshare down payment purchases do not qualify. Free nights can require up to 45,000 points per bedroom at participating properties, subject to availability; resort fees may apply and cannot be paid with points. Offer subject to credit approval.
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 | $580 | $35 | |
| Typical spender | $790 | $245 | |
| Heavy spender | $1,300 | $755 |
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); points valued at an assumed 0.5¢.
$35a year
$580 the first year, with the welcome bonus.
Rewards and credits$130
You keep $35−$95 annual fee
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); points valued at an assumed 0.5¢.
$245a year
$790 the first year, with the welcome bonus.
Rewards and credits$340
You keep $245−$95 annual fee
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); points valued at an assumed 0.5¢.
$755a year
$1,300 the first year, with the welcome bonus.
Rewards and credits$850
You keep $755−$95 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: +$600 if a current cardholder refers you (FRONTIER Airlines World Mastercard refer-a-friend); 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 65% of the 732 cards we track.
- Lower annual fee than about 25% of the 171 cards on our Sign-up bonuses list (see the list).
Other points cards with fees up to $100
- Bilt ObsidianBilt · $95 a year+$300 a year
- Chase Sapphire PreferredChase · $95 a year+$240 a year
- Citi Strata Premier - TravelCiti · $95 a year+$225 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
- 6×
- eligible purchases made at Hotels by Wyndham including Wyndham Travel Bundles
- 4×
- eligible dining purchaseseligible grocery store purchases (excluding Target® and Walmart®)travel purchases
- 1×
- Everything else
Points per dollar. “What it’s worth” values a point at an assumed 0.5¢.
Benefits
- Meal Delivery Credit: $25 semiannual
- Automatically receive Wyndham Rewards DIAMOND member level during the first year; after that, become a Wyndham Rewards PLATINUM member.
- Platinum-level perks include early check-in and late checkout.
- Receive 15,000 bonus points each anniversary year after payment of the annual fee.
- Stay 5 nights in a calendar year and earn 15,000 bonus points.
All 13 benefits
- Cardmembers can save on the Standard Rate at participating Hotels by Wyndham through a cardmember booking discount.
- Redeem 10% fewer Wyndham Rewards points when booking free nights.
- Save 15% on qualifying Wyndham Rewards point purchases when purchasing at least 3,000 points in a single transaction online through points.com; the annual purchase cap is 100,000 points per calendar year.
- Free nights and discounted nights with Points + Cash apply at participating properties, subject to availability, blackout dates/rates and other restrictions.
- Free nights range from 5,000–45,000 points per bedroom; discounted nights with Points + Cash range from 500–9,000 points per bedroom plus cash.
- No foreign transaction fees on international purchases.
- Contactless and chip technology.
- $0 Fraud Liability protection.
Changes
- Nov 1, 2026 Bonus 100,000 to 90,000
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 $95.” |
|---|---|
| Purchase APR | Receipt · Purchase APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Purchases – 19.49% to 29.99%, based on your creditworthiness and other factors.” |
| Intro APR | Receipt · Intro APRChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “0% introductory APR for the first 15 billing cycles following each balance transfer that posts to your account within 45 days of account opening.” |
| Balance transfer APR | Receipt · Balance transfer APRChecked Nov 1, 2026 Issuer's page · barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Receipt · Balance transfer feeChecked Nov 1, 2026 Issuer's page · cards.barclaycardus.com “Balance transfer fee: 5% (min.” |
| 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 5% of the amount of each cash advance, whichever is greater.” |
| Late payment | Receipt · Late paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| Returned payment | Receipt · Returned paymentChecked Nov 1, 2026 Issuer's page · barclaycardus.com “Up to $41 (the amount of the fee varies by state, see below)” |
| 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 · cards.barclaycardus.com The source states this figure; we have no exact sentence on file yet. |
| 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?
- $95 · 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 Oct 11, 2026
- Is there an intro APR?
- 0% for six billing cycles. · cards.barclaycardus.com, since Oct 12, 2026
- Is there a welcome bonus?
- 90,000 points after $1,000 in purchases. · cards.barclaycardus.com, since Nov 1, 2026