Barclays Wyndham Earner Business Credit Card Review (2026.6 Update: 100k Offer; Benefits Refreshed)

physixfan 2026-06-18 2026-06-19

[2026.6 Update] The new welcome offer is 100k: earn 45,000 Wyndham Points after spending $3,000 within the first 90 days, plus another 55,000 Wyndham Points after spending $500 at Wyndham within the first 180 days.Given the structure of this offer, it is only suitable for people who already plan to make Wyndham purchases.The benefits on this card have also been refreshed:

The annual fee has increased from $95 to $149.

The award redemption discount has increased from 10% to 20%.

New benefit: $65 Wholesale Membership Club Credit.

The earning structure has been adjusted: gas has been changed from 8x to 5x, and utilities have been removed from the 5x categories.

In exchange for the higher annual fee, the main new benefit is basically just the $65 wholesale club membership fee credit.Overall, this refresh is somewhat negative.

Note that the annual fee and benefits for existing cardholders remain unchanged for now.

The changes above only apply to new cardholders.

[2025.3 Update] The new offer is 75k, note that the spending requirement is high: $12k in 12 months.[Expired]

Application Link

Benefits

100k offer: earn 45,000 Wyndham points after spending $3,000 in the first 90 days, and also earn 55,000 Wyndham points after spending $500 at Hotels by Wyndham in the first 180 days.The best recent offer was 100k points with no Wyndham-specific spending requirement.
Wyndham points are valued around 0.7 cents/point (Hotel Points Value), and the redemption structure is very simple with only three tiers of redemption: 7.5k/15k/30k points.So the 100k highest welcome offer is worth about $700.
[New] Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham; Earn 5 points per $1 spent on eligible Vacation Club, gas, EV charging, marketing, advertising, office supply store and shipping purchases; Earn 1 point per $1 spent on all other purchases (excluding Vacation Club down payments).
Anniversary Bonus: Receive 15,000 bonus points each anniversary year after payment of your annual fee.
[New] Redeem 20% fewer Wyndham Rewards points for award nights.
That means you only need 6k/12k/24k points for redemption.
Automatically receive a Wyndham Rewards Diamond Membership.
[New] $65 Wholesale Membership Club Credit.
Cardmember discount for Wyndham paid stays.
No foreign transaction fee.

Disadvantages

[New] $149 annual fee, NOT waived for the first year.
The free night is typically not worth a lot since most Wyndham hotels are not very expensive.
Note that Wyndham points expire after 18 months for inactivity, and expire after 4 years no matter what.Therefore it is not a good idea to accumulate a lot of Wyndham points if you don’t plan to stay in Wyndham in the near future.

Recommended Application Time

Barclays value the number of recent hard pulls a lot, we recommend you apply when you have less than 6 hard pulls in the past 6 months.
[6/24 rule] Similar to Chase 5/24 rule, Barclays will reject your application if you have 6 or more new accounts in the past 24 months.Note that this is a soft rule for Barclays.
We recommend you apply for this card after you have a credit history of at least one year.

Summary

The welcome offer is quite valuable.Even for Wyndham enthusiasts, after the June 2026 changes, the Barclays Wyndham Earner Plus is a simpler card with better returns.

Benefits before 2026.6

75k offer: earn 50,000 Wyndham points after spending $4,000 in the first 90 days; earn an additional 25,000 Wyndham points after spending $12,000 in total in the first 365 days.
That’s 75k points in total.The best recent offer is 100k.
Wyndham points are valued around 1.0 cents/point (Hotel Points Value), and the redemption structure is very simple with only three tiers of redemption: 7.5k/15k/30k points.
Earn 8 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 5 points per $1 spent on eligible marketing, advertising services, and utilities; Earn 1 point per $1 spent on all other purchases (excluding Wyndham Timeshare resorts down payments).
Anniversary Bonus: Receive 15,000 bonus points each anniversary year.
Redeem 10% fewer Wyndham Rewards points for award nights.That means you only need 6.75k/13.5k/27k points for redemption.
Automatically receive a Wyndham Rewards Diamond Membership.
Cardmember discount for Wyndham paid stays.
No foreign transaction fee.
$95 annual fee, NOT waived for the first year.

If you frequently stay at Wyndham hotels, the 15,000 annual points can offset its annual fee.The Diamond membership, which is the highest level of Wyndham memberships, is also useful.

So among the three cobranded cards, this business card is more worth holding than the other two if you stay in Wyndham a lot.The earning rate on gas stations is strong.If you don’t have plans to stay at Wyndham hotels, then be careful about the fact that Wyndham points expire in 4 years no matter what.

Related Credit Cards

Barclays Wyndham EarnerBarclays Wyndham Earner PlusBarclays Wyndham Earner BusinessBarclays Wyndham Earner Premier Annual Fee$0$95$149$395 Annual Points7,500 (if spending $15,000 or more)15,00015,00030,000 Discount on Award Nights10%10%20%25% Wyndham Elite MembershipGoldDiamond 1st year, then PlatinumDiamondDiamond Coupon book-$50 Meal Delivery Credit ($25 semi-annually)$65 Wholesale Club Credit$100 Wyndham Credit; $120 Meal Delivery Credit ($10/month); $65 Wholesale Club Credit; $100 Streaming Credit.

After Applying

Click here to check Barclays application status.

Barclays reconsideration backdoor number: 866-408-4064.Barclays tends to ask various questions and you must know all the answers about personal information and credit report.

Besides, you may get HP again, but will be informed in advance.Therefore, think carefully before calling.

Historical Offers Chart

Application Link

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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

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Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

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