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Wyndham Rewards® Earner℠ Plus Card review

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Get 6x points on Wyndham purchases and a 0% intro APR period on Wyndham stays.

  • Get this card if you stay at Wyndham properties every year and you want to get the highest value.
  • Pick something else if you want a Wyndham card with no annual fee.
  • Apply with a good to an excellent credit score of 670 or higher.

45,000

Points as welcome offer

Up to 6x

Points

$75

Annual fee

0%

Intro purchase APR

for the first 6 billing cycles on Wyndham timeshares (then 15.74%, 19.99% or 24.99% variable)

Details

Product NameWyndham Rewards® Earner℠ Plus Card
Card typeVisa
Annual fee$75
Purchase APR0% intro for the first 6 billing cycles on Wyndham timeshares (then 15.74%, 19.99% or 24.99% variable)
Balance transfer APR0% intro for the first 15 billing cycles (then 15.74%, 19.99% or 24.99% variable)
Balance transfer fee$5 or 3% of the transaction, whichever is greater
Cash advance rate25.24% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Foreign transaction feeNone
Interest free periodUp to 23 days
Late payment feeUp to $40
Returned payment feeUp to $40

Expert review

Kliment Dukovski

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Wyndham Rewards® Earner℠ Plus Card comes with a $75 annual fee. This may sound like a lot, especially because you can get a similar Wyndham card with no annual fee. However, this card offers a higher rewards rate on select categories and you get a higher signup bonus. You can redeem your signup bonus for up to six nights at Wyndham properties.

Another valuable perk that makes this card a prudent choice is the 7,500 bonus points you get every year on your card anniversary. For comparison, you need to spend $15,000 every year with the no-annual-fee Wyndham card to earn the same bonus. In cash value, 7,500 can be worth between $40 and $100, which basically cancels out the card’s annual fee.

How to apply for the Wyndham Rewards® Earner℠ Plus Card

You can easily apply for the Wyndham Rewards® Earner℠ Business Card. Here’s how:

  1. Visit the Barclaycard website.
  2. Find the Wyndham Rewards® Earner℠ Plus Card.
  3. Click Learn more and then Apply now.
  4. Fill out the application form.
  5. Review the application form and submit.

What credit score do I need?

Increase your chances of approval with a good to excellent credit score of 670 or higher.

Wyndham Rewards® Earner℠ Plus Card benefits

  • Rewards. Earn 6x points on Wyndham hotels and gas purchases, 4x points on dining and groceries (excluding Walmart and Target purchases), and 1x points on all other purchases.
  • Signup bonus. Earn 45,000 bonus points after you spend $1,000 in your first 90 days of card membership. This is worth between one and six nights depending on which location you redeem your points for.
  • Annual bonus. Get 7,500 bonus points every year on your card anniversary.
  • Platinum elite status. As a cardmember, you automatically get Wyndham’s PLATINUM membership level. This comes with benefits like early check-in and late checkout, Avis and Budget car rental upgrades, free Wi-Fi and more. Without the card, you would need nine stays to get this membership status.
  • Intro APR period. Get 6 billing cycles on Wyndham timeshares of 0% intro APR period on Wyndham timeshare purchases, and a 0% intro APR period on balance transfers for 15 billing cycles from the moment you open your account. After that, a variable APR of 15.74%, 19.99% or 24.99% applies on purchases and balance transfers.

What to watch out for

  • Annual fee. The card costs $75. This can be easily offset with the annual 7,500 bonus points you get every year on your card anniversary, which can be worth anywhere from $40 to $100.
  • Intro APR period on purchases. Your intro APR period applies only on Wyndham stays and not on all purchases.

Compare travel credit cards

Name Product Welcome offer Rewards Annual fee Filter values
American Express® Gold Card
60,000 points after spending $4,000 in the first 3 months
3x points on directly-booked flights; 4x at restaurants; 4x at US supermarkets on up to $25,000 annually (then 1x points)
$250
Earn up to 4x points on select purchases, a bevy of travel perks, and a welcome offer worth up to $600 with this upper-mid tier travel card. Rates & fees
Chase Sapphire Preferred® Card
60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
$95
Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.
The Platinum Card® from American Express
75,000 points after spending $5,000 in your first 6 months, plus 10x points at US gas stations and US supermarkets on up to $15,000 in combined purchases in the same timeframe
10x points at US gas stations and US supermarkets on up to $15,000 combined in the first 6 months, 5x points on directly-booked flights or on flights and hotels on Amex Travel. 1x points on all other purchases. Starting January 1, 2021, your 5x points on flights will be capped on up to $500,000 annually (then 1x points).
$550
One of the most valuable premium travel cards, featuring two welcome offers worth up to $4,500, multiple travel credits and unrivaled lounge access. Rates & fees
Chase Sapphire Reserve®
50,000 points after spending $4,000 in the first 3 months
10x points on Lyft rides, 3x points on dining and travel after earning your $300 travel credit and 1x points on all other purchases
$550
Get a generous $300 in annual travel credits, 3x points on travel and dining, and a 50% bonus on point redemptions with Chase's premier card.
Marriott Bonvoy Brilliant™ American Express® Card
75,000 points after spending $3,000 in the first 3 months
6x points at Marriott Bonvoy hotels, 3x at US restaurants and on flights booked directly with airlines and 2x for all other purchases
$450
Earn 75,000 bonus points when you spend $3,000 or more within your first 3 months. Rates & fees
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Compare up to 4 providers

Bottom line

The Wyndham Rewards® Earner℠ Plus Card costs $75 annually, but it may be the better choice for Wyndham regulars. Those who occasionally stay at Wyndham locations and still want to earn rewards, could find the Wyndham Rewards® Earner℠ Card to be more valuable.

As an alternative, a general travel card may sometimes be a better choice, so make sure you compare your options before you apply.

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