Barclays Wyndham Rewards Earner Card Review 2026
Wyndham Rewards Earner Card is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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Your card estimate
Net first-year value
First year
+$300
Rewards + bonus - fee - interest drag
Ongoing year
+$300
Excludes one-time welcome offer
SwitchWize take
No-fee everyday card
Bonus value
See terms
Rewards
1x points
Annual fee
$0
APR
19.49% to 29.99%
Quick summary
What this card is, in plain words
Wyndham Rewards Earner Card has no annual fee and a variable purchase APR of 19.49% to 29.99%. It charges no foreign transaction fee.
What to consider
- The APR is 19.49% to 29.99% and it can change. Interest on a carried balance is usually larger than the rewards.
Pros & cons
- No annual fee
No material drawbacks found in the data we track.
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- None
- Balance transfer fee
- Greater of $5 or 5% of each transfer
- Cash advance fee
- 5% of each advance (minimum $10)
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Offer history
How today's bonus compares
Current public welcome offer
45,000 points
Observed Nov 13, 2026
12-month best
See terms
1 tracked observation
Signal
At or near tracked best
Last history update Nov 13, 2026
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
19.49%-29.99% variable
Spend requirement: $2,000 in purchases in the first 90 days
Barclays terms control approval, pricing, and rewards
How you earn
Caps, exclusions, merchant coding, and redemption values can change the real return. Verify issuer terms before applying.
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
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Questions
Common questions
What is the annual fee for the Wyndham Rewards Earner Card?
The Wyndham Rewards Earner Card has no annual fee, according to Barclays's page checked Nov 13, 2026.
Does the Wyndham Rewards Earner Card charge foreign transaction fees?
No. Barclays lists no foreign transaction fee for the Wyndham Rewards Earner Card.
What is the APR on the Wyndham Rewards Earner Card?
The purchase APR is 19.49% to 29.99%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://cards.barclaycardus.com/banking/cards/wyndham-rewards-earner-card/ · checked Nov 13, 2026
We could not verify the late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Wyndham Rewards Earner Card worth it?
Wyndham Rewards Earner Card is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term