Wyndham Rewards Earner Business Card by Barclays: 8x gas stations, 8x hotels, 5x advertising (search / social media), 5x utilities (phone / internet /…
The Wyndham Rewards Earner Business Card is Barclays's mid-tier credit card. The $95/yr annual fee includes a 100,000-point welcome bonus after spending $3,500 in the first 6 months. Beyond the welcome bonus, here's what the card actually delivers.
Welcome bonus value (year one): ~$700. Annual statement credits: $0. Minus the $95 annual fee = ~$605 in year-one net value before any spending earn. RewardsGuru rating: 3.9/5 — based on our net-value methodology.
Best fit: small-business owners who can run business expenses through one card and want the welcome bonus + category multipliers. Skip if: you don't have separate business spend or you'd struggle to hit the welcome-bonus spending requirement.
100,000 points after spending $3,500 in the first 6 months. At our ~0.7¢/pt valuation, that's roughly $700 in real value.
Year-one math: welcome bonus value (~$700) + annual credits ($0) − $95 fee = ~$605 net before spending earn. Year-two onward, the credits alone need to clear $95 — they do not. Worth it if you'll use the credits, skip if you'd let them expire.
Check the card's terms — most premium travel cards waive foreign transaction fees, while no-fee and entry-tier cards usually charge 2-3%. Barclays's product page has the current rate.