The Wyndham Rewards Earner Plus Card, issued by Barclays, is a solid choice in the market.
Wyndham Rewards Earner Plus Card Payoff Analysis
Wyndham Rewards Earner® Plus Card Payoff Analysis
This tool is provided "AS IS" for informational purposes. It does not constitute financial or legal advice. Projections are based solely on user inputs and may not reflect current issuer terms. Users must verify all data against their official cardmember agreements. See full Terms.
Time to Pay Off
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Rewards Earned
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Interest Paid
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Interest Earned
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Interest earned by keeping your cash in a yield-bearing account during the grace period.
Formula: Balance × (APY / 365) × Days. --
Formula: Balance × (APY / 365) × Days. --
* Estimates use live economic data (Prime Rate: 6.75%) and daily compounding. Does not include new purchases or late fees.
Snapshot
Wyndham Rewards Earner® Plus Card | |
|---|---|
| Issuer | Barclays |
| Network | Visa (Visa Signature) |
| Card Material | Plastic |
| Annual Fee | $75.00 Effective: $0.00 • $75 7,500 Anniversary Bonus Points |
| Base Rate | 1.00% |
| Travel Rewards | 6.00x |
| Authorized User Fee | $0.00 |
| Foreign Transaction Fee | None |
| Credit Reporting | Ex, Eq, Tu |
| Product Lifecycle | Available (5y ago) |
| Minimum Credit Line | $1000 |
Welcome Offer
| Bonus | 45,000 Points |
| Spend Requirement | $1,000 |
| Timeline | 90 days |
| Efficiency Score | 45.00 pts/$1 |
| Cash Back Value | — |
| Portal Travel Value | — |
| Transfer Estimated Value | — |
Rewards Breakdown
| Base Rate | 1.00% |
| Dining and grocery store purchases (excluding Target and Walmart) | 4.0% |
| Hotels by Wyndham and qualifying gas purchases | 6.0% |
| Anniversary Bonus | None |
| Portal Boost | 1x |
Pricing Details
| Purchase APR | 27.99% - 36.74% |
| Cash Advance Fee | 5% |
| Balance Transfer Fee | 5% |
| Late Payment Fee | Up to $40 |
| Minimum Interest Charge | $0.50 |
| Grace Period | 23 days |
| Penalty APR | None |
Official Resources
Usability & Experience
| Digital Wallets | apple-pay, google-pay, samsung-pay |
| Customer Service | Unverified |
| Instant Use | No |
Strategy & Eligibility
| Min. Credit Score | 700+ |
| Recommended Range | Good to Excellent |
| Chase 5/24 Rule | No |
| Lifetime Restriction | None |
| Active Family Restriction | Yes (You may not be eligible for this offer if you currently have or previously had an account with us in this program.) |
| Closure Grace Period | None |
Comparisons
See how the Wyndham Rewards Earner Plus Card compares to other cards.