Advertiser Disclosure — This site may receive compensation when you click links and apply for credit cards. Compensation may impact which products appear and their placement. We strive to provide accurate information but cannot guarantee all details are current. This site does not include every credit card available. Always verify terms with the card issuer before applying. Full disclosure
The Wyndham Rewards Earner Business is a points rewards card from Barclays that carries a $95/yr on the visa network. At its core it earns 1.0X Wyndham Rewards Points on everyday purchases, making it straightforward for cardholders who want predictable, consistent returns.
Points enthusiasts will find the most flexibility with the Wyndham Rewards Earner Business. Wyndham Rewards Points can be redeemed for travel, gift cards, statement credits, or transferred to loyalty partners. Cardholders who maximize transfer partners often extract 1.5–2+ cents per point, well above face value.
The $95/yr fee is the key variable — run the numbers against your actual spending. If the rewards and benefits offset the fee, this card earns its place in your wallet. If not, consider a comparable no-fee alternative.
The Wyndham Rewards Earner Business charges $95 per year. To justify this fee, you need to earn at least $95 in rewards and benefits annually.
At the base 1X earn rate (valued at ~1 cent per dollar), you would need to spend approximately $9,500/year on the card to break even on the annual fee through rewards alone — not counting perks and benefits.
Click any MCC code or merchant name to see all cards that earn bonus rewards there.
Benefits
Effective Annual Fee
Annual fee–$95
Net annual cost–$95 effective cost
Financial disclaimer: PointsPick is not a financial advisor. Credit card terms, APRs, and fees are set by Barclays and subject to change. Verify all information on the issuer's website before applying.
You can apply for the Wyndham Rewards Earner Business directly through Barclays's website. The application takes about 5 minutes and requires your Social Security number, annual income, and housing payment information. Most applicants receive an instant decision. Note that the $95 annual fee is typically not charged until your first statement closes.
Before applying, check if you are pre-approved on Barclays's website — a pre-approval uses a soft pull and does not affect your credit score.
Is the Wyndham Rewards Earner Business worth $95/year?
For moderate spenders, generally yes. The Wyndham Rewards Earner Business offers rewards and benefits that typically exceed the $95 annual fee for anyone who uses the bonus categories regularly.
What credit score is needed for the Wyndham Rewards Earner Business?
Most successful applicants have a credit score of 670 or higher. Higher scores significantly improve approval odds.
Does the Wyndham Rewards Earner Business have a foreign transaction fee?
No. The Wyndham Rewards Earner Business does not charge a foreign transaction fee, making it a good option for international purchases and travel abroad.
Can you transfer Wyndham Rewards Earner Business rewards to airlines?
No. The Wyndham Rewards Earner Business does not offer transfer partners. Rewards are typically redeemed as statement credits, direct deposits, or gift cards.
Wyndham Rewards Earner Business vs Marriott Bonvoy Boundless: which is better?
Both cards compete in the same category. The Wyndham Rewards Earner Business and Marriott Bonvoy Boundless each have strengths depending on your spending patterns. See our detailed comparison for a side-by-side analysis.
How to downgrade the Wyndham Rewards Earner Business to avoid the annual fee?
Call Barclays and ask to product-change the Wyndham Rewards Earner Business to a no-annual-fee card in the same family. This preserves your credit history and credit limit. The best time to downgrade is within 30 days of your annual fee posting for a full refund.
Methodology
This review draws on data from 35+ independent sources including official product pages, the CFPB Credit Card Agreements Database, community approval datapoints, expert point valuation sources, and our proprietary MCC verification database. Rankings are data-driven with no affiliate influence on placement. Card terms were last verified on March 08, 2026. Full methodology: www.pointspick.com/methodology.
