Barclays · Mastercard

Wyndham Rewards Earner Plus Card

$95 annual fee · 1x on everything else · no foreign transaction fees

Earn rates · how we got this

Category	Rate	Cap
Gas	4x	uncapped
EV charging	4x	uncapped
Travel	4x	uncapped
Rideshare	4x	uncapped
Dining	4x	uncapped
Groceries	4x	uncapped
Everything else	1x	uncapped
Hotels at Wyndham only — anywhere else in this category the card earns its base rate, so it is excluded from every ranking on this site	6x	uncapped

See how it ranks: best gas cards · best EV charging cards · best travel cards · best rideshare cards.

Signup bonus: 45,000 points after $1,000 in 3 months. We never count unearned bonuses in savings math — a bonus you don't clear is worth zero. Plus a further 55,000 points after $500 at Hotels by Wyndham in the first 180 days (up to 100,000 total); we count only the spend-anywhere tier Bonus figure confirmed on the issuer's page 2026-09-14.

Non-cash perks

Wyndham Rewards Platinum elite status (Diamond in the first year)
15,000 anniversary bonus points after paying the annual fee (was 7,500 pre-refresh)
15,000 bonus points after 5 paid Hotels by Wyndham nights in a calendar year (capped at 15,000/yr)
$50 meal-delivery credit ($25 semi-annually)
10% fewer points needed on award nights
National Car Rental Emerald Club Executive status
Points expire after 18 months of inactivity

Does the fee earn out? · how we got this

The $95 fee minus $0 in printed credits leaves $95/yr to earn back through rewards — roughly $3,959 of gas spending at 4x (valuing Wyndham Rewards at the same mid-range value the optimizer uses). Whether that clears depends on your actual spending.

Is this $95 fee worth it? See the break-even math →

Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.

Who this card is not for

Every point below is a term the issuer prints, read off this card's own row in our database — not an opinion about the card. two things on this card rule out a kind of spender:

Anyone who doesn't spend at Wyndham. Its largest printed rate, 6x on hotels, pays only at Wyndham. Anywhere else it earns its base 1x, so the headline number is a loyalty rate rather than a category rate — which is why no ranking on this site counts it.
Spending outside its bonus categories. Everything else earns 1x, worth about 0.6¢ per dollar at our value for Wyndham Rewards — less than the 1¢ a plain cash-back card pays on the same dollar. This card only wins where its bonus categories do.

Compared head-to-head

Comparing cards in the same currency? See the best cards that earn Wyndham Rewards →