Barclays Wyndham Earner Business Credit Card Review (2025.3 Update: 75k Offer)

physixfan 2025-03-04 2025-03-04

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

2025.1 Update: The higher offer is expired, and there’s only a 45k offer now.

2024.9 Update: The new offer is 80k, note that the spending requirement is high: $15k in 12 months.

Application Link

Benefits

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 recent best 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.k/15k/30k points.
“go free Faster”: Redeem 10% fewer Wyndham Rewards points for award nights.That means you only need 6.75k/13.5k/27k points for redemption.
Cardmember discount: 7% or 12% off of the Best Available Rate for card member (5% or 10% off for regular member).
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.
Automatically receive a Wyndham Rewards Diamond Membership.
No foreign transaction fee.

Disadvantages

$95 annual fee, NOT waived for the first year.
Typically the free night cannot worth a lot since most Wyndham hotels are not very expensive.
Note that Wyndham points expires after 18 months for inactivity, and expires 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

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 BusinessAnnual Fee$0$75$95Annual Points7,500 (if spending $15,000 or more)7,50015,000Bonus CategoriesEarn 5 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 2 points per $1 spent on eligible dining and grocery purchases (excluding Target and Walmart)Earn 6 points per $1 spent on eligible purchases made at Hotels By Wyndham as well as on qualifying gas purchases; Earn 4 points per $1 spent on eligible dining and grocery purchases (excluding Target and Walmart)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 utilitiesWyndham Elite MembershipGoldPlatinumDiamondBest Sign-up Bonus60,00090,00090,000

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.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

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.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.