Our illustration in the card’s colours, not its design
Barclays credit card
Wyndham Rewards Earner Premier Card
$395 a year. 120,000 Wyndham Rewards 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 120,000 bonus points”
- Annual fee
- Receipt · Annual feeChecked Nov 1, 2026
Issuer's page · cards.barclaycardus.com
“Annual Fee is $395.”
- 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
120,000 points
Earn 90,000 bonus points after spending $6,000 on qualifying purchases and paying the annual fee in full within the first 120 days; earn an additional 30,000 bonus points after spending $750 at Hotels by Wyndham within the first 180 days.
Timeshare down payment purchases do not qualify. Offer and conditions are subject to the terms and conditions.
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 | −$265 | −$265 | |
| Typical spender | $545 | −$55 | |
| Heavy spender | $1,095 | $495 |
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: 4x eligible Vacation Club purchases (excluding Target and Walmart); points valued at an assumed 0.5¢; welcome bonus needs $6,000 in 3 months.
−$265a year
The same in the first year and after.
Rewards and credits$130
−$265 after the fee−$395 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); not counted: 4x eligible Vacation Club purchases (excluding Target and Walmart); points valued at an assumed 0.5¢; welcome bonus needs $6,000 in 3 months.
−$55a year
$545 the first year, with the welcome bonus.
Rewards and credits$340
−$55 after the fee−$395 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); not counted: 4x eligible Vacation Club purchases (excluding Target and Walmart); points valued at an assumed 0.5¢.
$495a year
$1,095 the first year, with the welcome bonus.
Rewards and credits$890
You keep $495−$395 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); not counted: 4x eligible Vacation Club purchases (excluding Target and Walmart); 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
Other points cards with fees over $300
- PalladiumBilt · $495 a year+$270 a year
- American Express The American Express® Gold CardAmerican Express · $325 a year+$105 a year
- Atmos Rewards Summit Visa InfiniteBank of America · $395 a year+$30 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
- 4×
- eligible Vacation Club purchases (excluding Target and Walmart)eligible travel purchases (excluding Target and Walmart)eligible dining purchases (excluding Target and Walmart)eligible grocery 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
- $120 Annual Meal Delivery Services Credit: $10 monthly
- $100 Annual Streaming Credit: $100 annual
- Global Entry or TSA PreCheck Application Fee Credit: $120 every 4 years
- Complimentary Wyndham Rewards Insider (Valued at $95/year. Continues while the Card Account is open and in Good Standing; enrollment email sent within 2-4 weeks after approval. Ends immediately if the card is closed or downgraded to a different Wyndham product. Wyndham may change or cancel the program at any time.)
- Up to $120 statement credit for a Global Entry or TSA PreCheck application fee every 4 years.
All 15 benefits
- Automatic Wyndham Rewards DIAMOND member level, including suite upgrades and a welcome amenity at check-in at select hotels.
- No foreign transaction fees on international purchases.
- Cardmembers can save on the Standard Rate at participating Hotels by Wyndham through a Cardmember Booking Discount.
- Redeem 25% fewer Wyndham Rewards points when booking free nights.
- Receive 30,000 bonus points each anniversary year after payment of the annual fee.
- Stay 5 nights in a calendar year and earn 30,000 bonus points.
- Complimentary Wyndham Rewards Insider subscription while the Card Account is open and in Good Standing.
- Contactless Technology for Tap to Pay purchases.
- $0 Fraud Liability protection for unauthorized charges.
- Chip Technology for purchases at chip-card terminals in the US and abroad.
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 $395.” |
|---|---|
| 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?
- $395 · 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% APR on all Wyndham Timeshare Purchases for six billing cycles. · cards.barclaycardus.com, since Nov 1, 2026
- Is there a welcome bonus?
- 120,000 Wyndham Rewards points after $6,000 in purchases. · cards.barclaycardus.com, since Sep 29, 2026