Points · Visa · No annual fee
Last verified 2026-09-09. Review issuer source
Barclays Wyndham Rewards Earner is a no-annual-fee points card from Barclays. Its best everyday rates are 3x on dining, 3x on gas stations, and 3x on grocery stores; everything else earns 1x. There is also 5x on Wyndham Hotels & Resorts, a single-merchant rate. Rewards are Wyndham Rewards points that only spend inside that program, so we value them at roughly a third of a cent each.
On our reference budget of $24,600 a year it returns about $162, an effective 0.7% back. The welcome bonus, 75,000 points after $1,000 in 90 days, is the strongest reason to open it in a given year.
Get it if you already fly or stay with Wyndham Rewards often enough to use the free night. A general travel card earns points that go more places.
Earn 3 points per $1 spent on dining
Earn 3 points per $1 spent on qualifying gas and EV charging purchases
Earn 3 points per $1 spent on grocery store purchases (excluding Target® and Walmart®)
Earn 5 points per $1 spent on on eligible purchases made at Hotels by Wyndham, including hotels through Wyndham Travel Bundles
Earn 30,000 bonus points after spending $1,000 on purchases in the first 90 days and also earn 45,000 bonus points after spending $500 at Hotels by Wyndham in the first 180 days.
You’re not responsible for charges you did not authorize.
Receive 7,500 bonus points each anniversary year after spending $15,000 on eligible purchases-that’s enough for up to one Free Night at participating hotels every year.
Redeem 10% fewer Wyndham Rewards points for free nights, which means you can book free nights starting at just 6,750 points.
Wyndham Rewards Earner Cardmembers can save even more on our Best Available Rate at participating Hotels by Wyndham.
Automatically receive a Wyndham Rewards GOLD member level and enjoy perks like preferred room selection, late checkout, and more.
Enjoy a 15% discount-or best available offer-when you purchase points with your Wyndham Rewards Earner® Card.
These come from Visa, not from Barclays. Every card on the Visa Signature tier carries them, so they should not decide between two cards.
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Benefit descriptions are the issuer’s and network’s own wording, trimmed for length. Limits and exclusions are in the guide to benefits.
| Card | Annual fee | Rewards earned | Net after fee | Rank |
|---|---|---|---|---|
| Wyndham Rewards Earner®This card · 3x on dining | None | $162 | +$162 | 904th of 1,291 |
| The AARP® Travel Rewards Mastercard®Barclays's most-held other card · 3% on airfare | None | $342 | +$342 | 519th of 1,291 |
| Savor RewardsThe strongest no-fee card on this budget · 3% on dining | None | $642 | +$642 | 4th of 1,291 |
| Robinhood Gold CardHighest net return on this budget · 3% on everything | $50 | $798 | +$748 | 1st of 1,291 |
Reference budget: groceries $6,000, dining and restaurants $3,600, gas and ev charging $2,400, travel and transit $3,000, online shopping $2,400, entertainment and streaming $1,200, everything else $6,000. Points are valued at 1¢ unless the program is worth less; statement credits, welcome bonuses, and perks are left out. Run it with your own spending.
