Wyndham Earner Card
Barclays
No Annual Fee
Annual Fee
visaGoodhotelno-annual-fee6 months ago
Welcome Offer
45,000 pts(≈ $450)Spend $1,000 within 3 months
OpenCard analysis
Is the Wyndham Earner Card right for you?
The Wyndham Earner is a no-annual-fee co-branded card from Barclays. Its strongest everyday earning is 5x on gas stations, with 1x on most other purchases. With no fee, the question is simply whether 5x on gas stations beats what your current card earns there.
Who it's for
- ✓ People who spend steadily on gas stations, where it earns 5x
- ✓ Anyone who wants gas stations rewards without paying an annual fee
Who should skip it
- — Heavy spenders outside gas stations — everything else earns 1x
First-year value estimate
Welcome bonus
$450
Rewards on spending
$240
Annual fee (year 1)
−$0
Year 1, before credits
$690
Year two, without the welcome bonus: about $240 before credits ($240 in rewards minus the $0 fee).
Assumptions
- $3,000 a year in gas stations (5x) and $9,000 on everything else (1x) — $12,000 total, about $1,000 a month.
- Rewards valued at 1¢ per point or 1% cash back (cash-equivalent).
- Welcome bonus: 45,000 points at 1¢ each (OpenCard valuation) ≈ $450.
- No annual fee in any year.
An illustration, not a promise of value. Change the spending to match yours; rewards are not cash until redeemed. Card data reviewed 2026-04-16.
How it compares
Hilton Honors American Express →
American Express, same $0 annual fee; earns 7x on hotels.
Choice Privileges Mastercard →
Wells Fargo, same $0 annual fee; earns 10x on Choice Hotels.
IHG One Rewards →
Chase, same $0 annual fee; earns 17x on IHG Hotels & Resorts.
Rules and gotchas
- The welcome bonus requires $1,000 in 3 months — roughly $333 a month. That fits inside the $1,000 a month in our illustration.
Frequently asked questions
- Does the Wyndham Earner have an annual fee?
- No. Our record lists a $0 annual fee for the Wyndham Earner.
- What does the Wyndham Earner earn?
- 5x on Wyndham Hotels, 5x on gas stations, and 1x on other purchases.
- Is the Wyndham Earner worth it in the first year?
- Using our illustration ($12,000 of yearly spending, $3,000 of it in gas stations), the first year comes out around $690 before credits, including a welcome bonus valued at $450. Year two drops to about $240 before credits.
- What credit do I need for the Wyndham Earner?
- Our record lists "Good" credit as the typical target for the Wyndham Earner. Barclays makes the final decision based on its own criteria.
Earning Rates
5×Wyndham Hotels
5×Gas stations
1×All other purchases
Insurance
Sources
Last Updated: Apr 16, 2026